By R. Gottschalk
This booklet is ready the hot capital adequacy framework – referred to as Basel II – licensed via the Basel Committee in 2004. It goals to debate Basel II implementation in numerous different types of constructing nations, together with rising industry economies, corresponding to Brazil and low-income international locations resembling Ethiopia and Zambia.
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Additional info for The Basel Capital Accords in Developing Countries: Challenges for Development Finance
The present chapter is organised in six sections. 2 discusses why it is important to address the possible negative developmental impacts of prudential norms. 3 reviews the empirical literature on the macroeconomic and credit impacts of Basel I. 4 reports our findings on the impacts of Basel I implementation in Brazil and India. 5 briefly highlights the key changes in Basel II relative to Basel I and discusses the possible implications of these changes for development finance and macroeconomic stability.
Our assessment is that this is not the case at present. The New Basel rules, as Brazil’s and Indian regulators intend to apply in their countries, may have at least two effects that can affect credit to the SMEs and the poor negatively: further banking concentration and banking portfolio concentration away from the SMEs. Moreover, the New Accord may lead to increased credit pro-cyclicality. These possible effects are currently not part of the concern of Brazilian or Indian regulators. But it is important that this be so.
6 Basel II in Brazil – announced Chronogram for implementation Period Measures/Action Until end of 2005 Review of capital requirements for credit risk under the standardised approach; new capital requirements for those market risks still not covered by current rules; impact studies regarding operational risk Until end of 2007 Establishment of capital requirement for operational risk. 2008 Eligibility criteria for adoption of internal models for market risk; establishment of the layout of the database for the internal models for credit risk.