The New Basel Capital Accord: Comments received on the Second Consultative Package

As noted in the Basel Committee's Overview of The New Basel Capital Accord, the Committee wishes to increase transparency of the consultative process by publishing on its website all comments received during the second consultative period. Comments that were clearly marked as confidential have not been published.

The Committee wishes to thank those that have taken the time and effort to express their views. These comments will no doubt assist the Committee in its efforts to finalise The New Basel Capital Accord.

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ABN AMRO PDF: 7 pages, 30 KB 1 June
ABS Issuers PDF: 22 pages, 72 KB 6 June
Adelaide Bank PDF: 3 pages, 11 KB 6 June
AIG Europe Scanned PDF: 3 pages, 140 KB 1 June
Alexey Simanovskiy, Bank of Russia PDF: 5 pages, 72 KB 1 June
Algorithmics PDF: 12 pages, 58 KB
PDF: 16 pages, 258 KB
1 June
Alistair Milne PDF: 20 pages, 83 KB 1 June
Altman and Saunders PDF: 34 pages, 222 KB end-June
America's Community Bankers PDF: 13 pages, 46 KB end-June
American Bankers' Association PDF: 13 pages, 64 KB end-June
AmSouth Bancorporation Scanned PDF: 4 pages, 173 KB 12 June
Arthur Andersen Scanned PDF: 9 pages, 585 KB 6 June
Asian Development Bank Scanned PDF: 24 pages, 1151 KB 1 June
Asociación Bancaria Costarricense PDF: 8 pages, 24 KB 6 June
Asociación Bancaria y de Entidades Financieras de Colombia, Universidad de los Andes de Colombia, Federación Latinamericana de Bancos PDF: 2 pages, 14 KB 6 June
Assifact PDF: 15 pages, 96 KB 1 June
Association for Financial Professionals PDF: 5 pages, 77 KB
PDF: 6 pages, 198 KB
6 June
Association Française des Sociétés Financières (ASF) Scanned PDF: 35 pages, 1278 KB 1 June
Association of Financial Guaranty Insurors PDF: 2 pages, 10 KB 6 June
Association of Foreign Banks in Germany Scanned PDF: 2 pages, 79 KB 6 June
Associazione Bancaria Italiana (ABI) PDF: 21 pages, 72 KB
PDF: 3 pages, 31 KB
1 June
ASSOFIN Scanned PDF: 3 pages, 146 KB 1 June
Austega Risk Services PDF: 4 pages, 43 KB 6 June
Australia and New Zealand Banking Group Limited PDF: 50 pages, 305 KB 6 June
Australian Association of Permanent Building Societies PDF: 3 pages, 11 KB 6 June
Australian Prudential Regulation Authority (APRA) PDF: 63 pages, 573 KB 1 June
Australian Securitisation Forum PDF: 9 pages, 37 KB 6 June
Austrian Banking Industry PDF: 71 pages, 174 KB 6 June
Austrian Federal Economic Chamber PDF: 115 pages, 245 KB end-June
Austrian Ministry of Finance and the Austrian Central Bank Scanned PDF: 8 pages, 475 KB 1 June
Autoridade Monetária de Macau Scanned PDF: 2 pages, 81 KB 1 June
Aviation Working Group PDF: 5 pages, 309 KB 1 June
AXA Colonia Konzern AG Scanned PDF: 1 page, 46 KB 1 June
AXA Investment Managers Scanned PDF: 6 pages, 279 KB 1 June
Bahrain Monetary Agency Scanned PDF: 6 pages, 274 KB 1 June
Banco Central de la República Argentina Scanned PDF: 22 pages, 1266 KB 6 June
Banco Central del Paraguay Scanned PDF: 1 page, 36 KB 1 June
Banco de Mexico PDF: 3 pages, 12 KB 1 June
BanConsult SA PDF: 39 pages, 143 KB 6 June
Bank Gesellschaft Berlin PDF: 6 pages, 307 KB 1 June
Bank Indonesia Scanned PDF: 2 pages, 80 KB 1 June
Bank Negara Malaysia Scanned PDF: 8 pages, 270 KB 12 June
Bank of America Scanned PDF: 13 pages, 800 KB 6 June
Bank of Korea Scanned PDF: 4 pages, 103 KB 1 June
Bank of Mauritius Scanned PDF: 7 pages, 233 KB 6 June
Bank of Thailand PDF: 11 pages, 39 KB
PDF: 3 pages, 11 KB
1 June
Bank One Corporation PDF: 7 pages, 26 KB 6 June
Bankenfachverband PDF: 11 pages, 433 KB 6 June
Barclays PDF: 70 pages, 563 KB end-June
Barnhill, T. and Gleason, K PDF: 27 pages, 101 KB 7 June
Basel Accord Insurance Working Group PDF: 16 pages, 93 KB
PDF: 14 pages, 71 KB
1 June
Belgian Bankers' Association PDF: 2 pages, 13 KB
PDF: 4 pages, 24 KB
end-June
BIPOP-CARIRE Scanned PDF: 9 pages, 172 KB 1 June
British Bankers' Association PDF: 100 pages, 553 KB 6 June
Bundesaufsichtsamt für das Kreditwesen PDF: 7 pages, 30 KB 1 June
Bundesverband Deutscher Investment-Gesellschaften (BVI) PDF: 4 pages, 16 KB 1 June
Bundesverband der Deutschen Industrie e.V. Scanned PDF: 5 pages, 291 KB 1 June
Bundesverband der Wertpapierhandelsfirmen e.V. Scanned PDF: 2 pages, 98 KB 6 June
CAPCO PDF: 17 pages, 238 KB 1 June
Capital One Financial Corporation PDF: 6 pages, 26 KB end-June
Carlo Acerbi / Dirk Tasche (Abaxbank) PDF: 9 pages, 218 KB 1 June
Central Bank of Iceland Scanned PDF: 1 page, 38 KB 6 June
Central Bank of Ireland PDF: 3 pages, 182 KB 1 June
Central Bank of Malta PDF: 7 pages, 102 KB 1 June
Central Bank of Sri Lanka PDF: 2 pages, 12 KB 1 June
Central Bank of the UAE Scanned PDF: 2 pages, 86 KB 1 June
Central Bank of Trinidad and Tobago PDF: 3 pages, 10 KB 6 June
Christian Plaetevoet Scanned PDF: 7 pages, 379 KB 1 June
Citigroup PDF: 56 pages, 251 KB 6 June
Clearstream International Scanned PDF: 7 pages, 26 KB end-June
Commission de Surveillance du Secteur Financier Scanned PDF: 27 pages, 1436 KB 6 June
Companhia Portuguesa de Rating PDF: 4 pages, 13 KB 1 June
Compass Bancshares Inc PDF: 5 pages, 19 KB 6 June
Conference of State Bank Supervisors PDF: 4 pages, 23 KB 1 June
Corporación Andina de Fomento Scanned PDF: 6 pages, 279 KB 1 June
Credit Suisse Group PDF: 37 pages, 273 KB 1 June
Credit Union Central of Canada PDF: 4 pages, 25 KB 1 June
Credit Union Services Corporation PDF: 8 pages, 41 KB 6 June
Czech National Bank Scanned PDF: 13 pages, 520 KB 6 June
Danish Bankers Association PDF: 6 pages, 29 KB end-June
Danish Financial Supervisory Authority PDF: 5 pages, 16 KB end-June
Danmarks Nationalbank Scanned PDF: 3 pages, 125 KB 1 June
David Rowe, SunGard Trading and Risk Systems PDF: 1 page, 36 KB
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PDF: 1 page, 720 KB
1 June
Deutscher Factoring-Verband e.V. Scanned PDF: 3 pages, 192 KB 6 June
Der Deutsche Industrie- und Handelstag Scanned PDF: 6 pages, 347 KB 6 June
Der Wirtschaftsminister des Landes Baden-Württemberg Scanned PDF: 4 pages, 184 KB 1 June
Dexia Group Scanned PDF: 4 pages, 175 KB 6 June
Dominion Bond Rating PDF: 5 pages, 18 KB 6 June
DGZ DekaBank PDF: 10 pages, 90 KB
PDF: 5 pages, 101 KB
1 June
Dutch Bankers Association PDF: 73 pages, 264 KB 6 June
EMEAP Working Group PDF: 7 pages, 19 KB 1 June
Eurochambres PDF: 3 pages, 39 KB end-June
Euroclear PDF: 17 pages, 331 KB 6 June
Eurocontrol Scanned PDF: 4 pages, 170 KB 1 June
Eurofinas PDF: 1 page, 6 KB
PDF: 3 pages, 12 KB
end-June
European Asset Management Association PDF: 5 pages, 18 KB
PDF: 7 pages, 60 KB
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1 June
European Bank for Reconstruction and Development Scanned PDF: 28 pages, 1691 KB 1 June
European Central Bank Scanned PDF: 14 pages, 843 KB 6-12 June
European Cooperative Banks PDF: 44 pages, 153 KB 1 June
European Federation of Finance House Associations Scanned PDF: 3 pages, 12 KB 6 June
European Mortgage Federation Scanned PDF: 3 pages, 151 KB
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1 June
European Savings Banks Group PDF: 2 pages, 9 KB
PDF: 54 pages, 171 KB
6-12 June
European Securities Forum PDF: 7 pages, 41 KB 1 June
European Securitisation Forum - 1 PDF: 32 pages, 129 KB 1 June
European Securitisation Forum -2 Scanned PDF: 30 pages, 127 KB
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Scanned PDF: 50 pages, 463 KB
6 June
EWB Scanned PDF: 20 pages, 126 KB
Scanned PDF: 1 page, 172 KB
1 June
Fat Tails Financial Analysis PDF: 2 pages, 17 KB 1 June
FCE Bank plc PDF: 7 pages, 50 KB 6 June
Federal Reserve Bank of Chicago PDF: 12 pages, 137 KB
PDF: 2 pages, 96 KB
6 June
Federal Reserve Bank of Richmond Scanned PDF: 5 pages, 251 KB 1 June
Fédération Bancaire de l'Union Européenne PDF: 55 pages, 269 KB 12 June
Fédération des Experts Comptables Européens Scanned PDF: 4 pages, 246 KB end-June
Fédération Européenne des Fonds et Sociétés d'Investissement Scanned PDF: 3 pages, 119 KB 6 June
Fédération Française des Sociétés d'Assurances Scanned PDF: 2 pages, 80 KB 12 June
Federazione Lombarda Banche di Credito Cooperativo Scanned PDF: 8 pages, 452 KB 1 June
Finance and Technology Management PDF: 5 pages, 37 KB end-June
Financial Analytics Limited PDF: 3 pages, 14 KB 6 June
Financial Guardian Group PDF: 10 pages, 44 KB 6 June
Financial Markets Group, London School of Economics PDF: 17 pages, 70 KB end-June
Financial Supervisory Authority in Iceland PDF: 9 pages, 35 KB 6 June
Financial Supervisory Service of Korea PDF: 2 pages, 9 KB end-June
Finnish Authorities PDF: 15 pages, 54 KB 1 June
Finnish Bankers' Association Scanned PDF: 14 pages, 591 KB end-June
First Union Corporation PDF: 17 pages, 74 KB 6 June
FITCH IBCA PDF: 8 pages, 33 KB 1 June
FleetBoston Financial Corporation PDF: 10 pages, 88 KB 6 June
FM Watch PDF: 5 pages, 17 KB 6 June
Fortis Bank PDF: 8 pages, 30 KB
PDF: 2 pages, 11 KB
PDF: 7 pages, 33 KB
6 June
Freddie Mac Scanned PDF: 6 pages, 293 KB 12 June
French Banking Federation PDF: 65 pages, 251 KB
PDF: 26 pages, 277 KB
PDF: 15 pages, 63 KB
12 June
Fund Managers' Association PDF: 2 pages, 6 KB 6 June
GE Capital PDF: 6 pages, 21 KB 1 June
GE Capital Mortgage Corporation PDF: 18 pages, 329 KB 6 June
Gene Álvarez PDF: 21 pages, 348 KB 12 June
Guernsey Financial Services Commission PDF: 4 pages, 13 KB 1 June
Hellenic Bank Association PDF: 23 pages, 111 KB 6 June
Hong Kong Monetary Authority and the Hong Kong banking industry PDF: 11 pages, 32 KB 1 June
Hungarian Financial Supervisory Authority Scanned PDF: 7 pages, 380 KB 6 June
IBM PDF: 20 pages, 80 KB 1 June
Inner City Press PDF: 4 pages, 25 KB 1 June
Institute of Chartered Accountants PDF: 9 pages, 30 KB 6 June
Institute of Development Studies (University of Sussex) PDF: 23 pages, 139 KB 1 June
Institute of International Bankers PDF: 8 pages, 149 KB 6 June
Institute of International Finance PDF: 47 pages, 189 KB
PDF: 60 pages, 229 KB
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1 June
Institut der Wirtschaftsprüfer Scanned PDF: 15 pages, 745 KB 6 June
International Actuarial Association Scanned PDF: 10 pages, 652 KB 6 June
International Credit Insurance Association Scanned PDF: 17 pages, 501 KB 6 June
International Finance Corporation Scanned PDF: 48 pages, 3315 KB 1 June
International Monetary Fund Scanned PDF: 21 pages, 1100 KB
Scanned PDF: 10 pages, 576 KB
1 June
International Swaps and Derivatives Association (ISDA) Scanned PDF: 2 pages, 154 KB
Scanned PDF: 105 pages, 702 KB
1-7 June
International Valuation Standards Committee - 1 PDF: 44 pages, 1581 KB
PDF: 5 pages, 30 KB
PDF: 9 pages, 44 KB
1 June
Investment Company Institute Scanned PDF: 3 pages, 167 KB 1 June
IOSCO PDF: 9 pages, 32 KB 1 June
IQ Financial Systems (Singapore) Pte Ltd Scanned PDF: 34 pages, 1813 KB 1 June
Irish Association of Investment Managers Scanned PDF: 7 pages, 317 KB 1 June
Irish Life Investment Managers Scanned PDF: 1 page, 37 KB 1 June
ISMA Scanned PDF: 3 pages, 146 KB 1 June
Japanese Bankers Association PDF: 21 pages, 66 KB 6 June
Japan Center for International Finance PDF: 5 pages, 86 KB 1 June
Jean-Marc Schwob PDF: 1 page, 5 KB 1 June
JP Morgan Chase Scanned PDF: 36 pages, 2697 KB 6 June
Kazuhiro Goto PDF: 1 page, 5 KB 1 June
KeyCorp PDF: 6 pages, 33 KB 6 June
KPMG PDF: 45 pages, 239 KB 1 June
Kreditanstalt für Wiederaufbau Scanned PDF: 28 pages, 1194 KB 6 June
Kredittilsynet and Norges Bank Scanned PDF: 40 pages, 2714 KB 6 June
Latin American Banking Federation PDF: 11 pages, 76 KB 1 June
Latin American Shadow Financial Regulatory Committee PDF: 6 pages, 26 KB 1 June
Lawrence J White PDF: 40 pages, 94 KB 1 June
Leaseurope Scanned PDF: 28 pages, 1102 KB 1 June
Lloyds TSB Group plc PDF: 21 pages, 87 KB 6 June
Loan Market Association PDF: 7 pages, 36 KB 1 June
London Investment Banking Association (LIBA) PDF: 100 pages, 553 KB 1 June
Macquarie Bank Limited PDF: 4 pages, 16 KB 6 June
Marsh Inc PDF: 4 pages, 14 KB 1 June
MBIA Insurance Corporation PDF: 4 pages, 23 KB 6 June
MBNA America Bank PDF: 17 pages, 74 KB 6 June
Mellon Financial Corporation PDF: 11 pages, 44 KB 1 June
Mercatus Center, George Mason University PDF: 11 pages, 77 KB 6 June
Merrill Lynch PDF: 27 pages, 188 KB 1 June
Midwest Independent Bank Scanned PDF: 2 pages, 69 KB 1 June
Ministry of Finance, Columbia PDF: 9 pages, 52 KB 6 June
Monetary Authority of Singapore Scanned PDF: 8 pages, 359 KB 7 June
Moody's Investors Service PDF: 12 pages, 71 KB
PDF: 2 pages, 13 KB
1 June
Mortgage Insurance Companies of America (MICA) PDF: 8 pages, 25 KB 6 June
Mortgage Insurance Trade Association Scanned PDF: 3 pages, 151 KB 12 June
Multi-Seller ABCP Conduit Sponsors PDF: 22 pages, 463 KB
PDF: 7 pages, 22 KB
7 June
National Australia Bank PDF: 38 pages, 191 KB 7 June
National Bank of Slovakia PDF: 2 pages, 44 KB 6 June
National City Corporation Scanned PDF: 4 pages, 292 KB 6 June
Nayar, SD PDF: 3 pages, 12 KB
PDF: 1 page, 4 KB
1 June
Neil Schwartz (City Consultants Ltd) PDF: 1 page, 5 KB 1 June
Okobank Group PDF: 6 pages, 32 KB 1 June
Oliver, Wyman & Company PDF: 10 pages, 106 KB 6 June
Operational Risk Research Forum PDF: 65 pages, 246 KB 6 June
OpRisk Ltd and The FICON Group PDF: 4 pages, 14 KB 1 June
People's Bank of China Scanned PDF: 4 pages, 310 KB 7 June
PNC Financial Services Group PDF: 10 pages, 36 KB 6 June
Polish Commission for Banking Supervision PDF: 12 pages, 776 KB 1 June
PricewaterhouseCoopers PDF: 16 pages, 215 KB 1 June
Private Research Group for Financial IT Risk, Tokyo PDF: 10 pages, 40 KB 6 June
Quadrant Risk Management Ltd PDF: 8 pages, 46 KB 1 June
R+V Allgemeine Versicherung Scanned PDF: 17 pages, 1102 KB 1 June
Rating and Investment Information PDF: 2 pages, 14 KB end-June
RealBiz International AB PDF: 6 pages, 32 KB 1 June
Regional Banks Assocation of Japan PDF: 6 pages, 66 KB 1 June
Reserve Bank of India PDF: 14 pages, 53 KB 1 June
Reserve Bank of NewZealand Scanned PDF: 4 pages, 242 KB 1 June
Risk Management Association (RMA) Scanned PDF: 27 pages, 1642 KB
Scanned PDF: 75 pages, 523 KB
1-7 June
Riyad Bank PDF: 5 pages, 27 KB 1 June
Royal Bank of Scotland PDF: 50 pages, 306 KB 1 June
Royal Institute of Chartered Surveyors PDF: 5 pages, 22 KB 1 June
Saudi American Bank PDF: 3 pages, 24 KB
PDF: 18 pages, 114 KB
1 June
Saudi Arabian Monetary Agency Scanned PDF: 13 pages, 585 KB 7 June
Securities Industry Association PDF: 3 pages, 21 KB 12 June
Servite Houses Pension Scheme PDF: 2 pages, 11 KB 6 June
Shadow Financial Regulatory Committee PDF: 7 pages, 33 KB 1 June
Shinkin Central Bank PDF: 3 pages, 9 KB 7 June
Southern Connecticut State University Scanned PDF: 6 pages, 228 KB 6 June
Southside Bank Scanned PDF: 3 pages, 195 KB 1 June
Spanish Banking Association Scanned PDF: 25 pages, 165 KB 12 June
Sparkassen Versicherung Scanned PDF: 3 pages, 148 KB 1 June
Standard & Poor's PDF: 23 pages, 129 KB 1 June
Standard Chartered Scanned PDF: 15 pages, 954 KB 1 June
Standard Life PDF: 2 pages, 9 KB 1 June
State Street Scanned PDF: 7 pages, 354 KB 6 June
Stefan Jaschke PDF: 8 pages, 179 KB 6 June
Sumitomo Mitsui Banking Corporation Scanned PDF: 23 pages, 129 KB
Scanned PDF: 18 pages, 646 KB
Scanned PDF: 12 pages, 144 KB
7 June
Superintendence of Banks of Chile PDF: 3 pages, 13 KB 1 June
Superintendencia de Bancos Guatemala PDF: 3 pages, 12 KB 6 June
Svensk KommunRating AB PDF: 16 pages, 93 KB 1 June
Swedish Bankers Association PDF: 22 pages, 128 KB 1 June
Swedish Securities Dealers Association Scanned PDF: 9 pages, 306 KB 6 June
Swiss Bankers Association Scanned PDF: 36 pages, 1742 KB 1 June
The Banking Council of South Africa PDF: 17 pages, 65 KB 1 June
The Bond Market Association PDF: 1 page, 24 KB
PDF: 11 pages, 65 KB
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1-7 June
The European Group of Valuers Associations Scanned PDF: 4 pages, 205 KB 1 June
The Financial Services Roundtable PDF: 14 pages, 87 KB 6 June
The Investment Funds Institute of Canada Scanned PDF: 2 pages, 81 KB 6 June
The National Association of Shinkin Banks PDF: 6 pages, 22 KB end-June
The New York Clearing House Association PDF: 19 pages, 31 KB 6 June
The New York State Banking Department PDF: 7 pages, 38 KB 6 June
The Norinchukin Bank PDF: 4 pages, 15 KB 7 June
The Property & Casualty Insurance Industry Working Group PDF: 15 pages, 1020 KB 6 June
The Saudi British Bank Scanned PDF: 4 pages, 153 KB 1 June
The Second Association of Regional Banks PDF: 12 pages, 35 KB 6 June
UBS PDF: 8 pages, 52 KB
PDF: 38 pages, 321 KB
12 June
United Bank of Egypt Scanned PDF: 1 page, 25 KB
Scanned PDF: 1 page, 32 KB
1 June
Verband der Bürgschaftsbanken Scanned PDF: 4 pages, 177 KB 6 June
VISA USA Inc PDF: 3 pages, 13 KB 6 June
Wachovia Corporation and Wachovia Bank PDF: 7 pages, 39 KB 6 June
Washington Mutual PDF: 4 pages, 11 KB 6 June
Westpac PDF: 20 pages, 68 KB 6 June
Willis Limited PDF: 14 pages, 809 KB 1 June
World Bank Scanned PDF: 12 pages, 583 KB 12 June
World Council of Credit Unions Scanned PDF: 20 pages, 910 KB 1 June
Zentraler Kreditausschuss PDF: 150 pages, 549 KB
PDF: 13 pages, 39 KB
6-end-June
Zentralverband des Deutschen Handwerks Scanned PDF: 4 pages, 241 KB 6 June
Zurich IC Squared Scanned PDF: 2 pages, 64 KB
Scanned PDF: 6 pages, 49 KB
1 June