The Potential Impact of Explicit Basel II Operational Risk Capital Charges on the Competitive Environment of Processing Banks in the United States

Topics:
Commercial Banking,
Risk Analysis and Management
Tags:
Bank,
Basel II,
Environment,
Federal Reserve Bank Of Boston,
Financial Services,
Management,
Risk,
Strategy
Source:
Federal Reserve Bank of Boston

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Overview: Basel II replaces Basel I's implicit capital charge on operational risk with an explicit charge. Certain U.S. banks concentrated in processing-related business lines - which have significant operational risk - could thus face an increase in overall minimum regulatory capital requirements. Some have argued that, as a result, these so-called "processing banks" would be disadvantaged vis-à-vis competitors not subject to regulatory capital requirements for operational risk. This paper evaluates these concerns.

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Format: PDF | Size: 316KB | Date: Jan 2005 | Pages: 69

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