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Basel II: The New Basel Capital Accord

Type
Publication
Series
Consultative
Date Published
29 April 2003
Status
Closed
Sources
BCBS
Topics
Operational risk Credit risk Disclosure

The Basel Committee on Banking Supervision has issued a third consultative paper on the New Basel Capital Accord.

Comments are due by 31 July 2003, and will be helpful to the Committee as it makes the final modifications to its proposal for a new capital adequacy framework. The goal of the Committee continues to be to complete the New Accord by the fourth quarter of this year, with implementation to take effect in member countries by year-end 2006. To that end, work already has begun in a number of countries on draft rules that would integrate Basel capital standards with national capital regimes.

An overview paper accompanies the third consultative document. This paper provides a summary of the new capital adequacy framework. It also outlines changes to the proposal since the release in October 2002 of the QIS 3 Technical Guidance, which banks used to assess the impact of the New Accord on their portfolios. The Committee issued the results of the QIS 3 impact study on 5 May 2003. The Committee issued supplementary information on QIS 3 on 27 May 2003.

 


Comments received

The Committee wishes to thank those who have taken the time and effort to express their views on the above consultation. The comments received are available in PDF format below.

Allen, M and Sharifi, S PDF: 4 pages, 44 KB
America's Community Bankers PDF: 7 pages, 149 KB
Aon Professional Risks Scanned PDF: 3 pages, 144 KB
Appraisal Institute PDF: 3 pages, 90 KB
Asian Bankers Association Scanned PDF: 10 pages, 3370 KB
Assifact PDF: 25 pages, 290 KB
Assilea PDF: 5 pages, 230 KB
Assocation Française des Sociétés Financiers PDF: 30 pages, 537 KB
Association of Supervisors of Banks of the Americas Scanned PDF: 6 pages, 294 KB
Associazione Bancaria Italiana Scanned PDF: 57 pages, 269 KB
Australia and New Zealand Banking Group PDF: 27 pages, 215 KB
Austrian Authorities PDF: 11 pages, 116 KB
Aviation Working Group Scanned PDF: 2 pages, 102 KB
Bahamas Central Bank Scanned PDF: 7 pages, 1829 KB
Banco Centroamericano de Integracion Economica Scanned PDF: 2 pages, 94 KB
Banco de Mexico PDF: 9 pages, 235 KB
Banco de Portugal PDF: 3 pages, 74 KB
Bank Leumi Israel PDF: 1 page, 55 KB
Bank Negara Malaysia Scanned PDF: 5 pages, 175 KB
Bank of America Scanned PDF: 10 pages, 3307 KB
Bank of Guyana PDF: 2 pages, 89 KB
Bank of Jamaica Scanned PDF: 13 pages, 545 KB
Bank of Thailand Scanned PDF: 7 pages, 371 KB
Bank One Corporation PDF: 7 pages, 183 KB
Bank Van de Nederlandse Antillen Scanned PDF: 5 pages, 209 KB
Bankenfachverband PDF: 49 pages, 562 KB
Bankers Association for Finance and Trade PDF: 2 pages, 114 KB
Bankers Association of the Republic of China PDF: 2 pages, 58 KB
Banking Regulation and Supervision Agency of Turkey PDF: 10 pages, 177 KB
Barclays Group PDF: 3 pages, 41 KB
Bayerische Staatsminister fur Wirtschaft, Verkehr und Technologie Scanned PDF: 14 pages, 676 KB
Belgian Bankers Association PDF: 38 pages, 222 KB
Belize Central Bank PDF: 2 pages, 76 KB
BNP Paribas PDF: 34 pages, 326 KB
Bodurtha, J PDF: 1 page, 72 KB
Brazil Central Bank Scanned PDF: 5 pages, 1047 KB
British Virgin Islands Financial Services Commission PDF: 3 pages, 210 KB
Bundesverband der Deutschen Industrie Scanned PDF: 3 pages, 103 KB
Bundesverband deutscher Banken PDF: 14 pages, 706 KB
Bundesverband Investment and Asset Management PDF: 10 pages, 63 KB
Burundi Central Bank PDF: 2 pages, 84 KB
Canadian Bankers Association PDF: 43 pages, 358 KB
Capital One Financial Corporation PDF: 31 pages, 235 KB
Caribbean Group of Bank Supervisors PDF: 13 pages, 133 KB
Central Bank of Barbados PDF: 6 pages, 83 KB
Central Bank of Oman Scanned PDF: 5 pages, 250 KB
Central Bank of the United Arab Emirates Scanned PDF: 2 pages, 80 KB
Central Bank of Trinidad and Tobago PDF: 6 pages, 118 KB
Centre National des Professions Financières Scanned PDF: 7 pages, 352 KB
Chile Superintendent of Banks PDF: 1 page, 54 KB
China Banking Regulation Commission Scanned PDF: 7 pages, 562 KB
Citigroup PDF: 17 pages, 77 KB 22 Aug 03
Commission de Surveillance du Secteur Financier Scanned PDF: 7 pages, 273 KB
Commonwealth Bank Group PDF: 9 pages, 140 KB
Companhia Portuguesa de Rating PDF: 11 pages, 112 KB
Consumer Mortgage Coalition PDF: 4 pages, 119 KB
Corporación Andina de Fomento Scanned PDF: 14 pages, 687 KB
Council of Mortgage Lenders PDF: 3 pages, 13 KB
Credit Suisse Group PDF: 48 pages, 216 KB
Czech National Bank and Czech Banking Association PDF: 15 pages, 97 KB
Danish Bankers Association PDF: 3 pages, 65 KB
Danish FSA PDF: 3 pages, 83 KB
De Lage Landen International BV PDF: 5 pages, 120 KB
Deutscher Industrie und Handelskammertag PDF: 5 pages, 34 KB
Ecuador Superintendency of Banks and Insurance PDF: 13 pages, 168 KB
Embrechts P, Furrer H, and Kaufmann R PDF: 17 pages, 201 KB
Estonian FSA Scanned PDF: 1 page, 40 KB
Eurochambres PDF: 7 pages, 167 KB
Euroclear PDF: 8 pages, 73 KB
European Association of Co-operative Banks PDF: 8 pages, 44 KB
European Central Bank PDF: 13 pages, 64 KB 19 Sep 03
European Institute for International Economics PDF: 11 pages, 237 KB
European Mortgage Federation PDF: 6 pages, 134 KB
European Private Equity and Venture Capital Association Scanned PDF: 7 pages, 275 KB
European Savings Banks Group - World Savings Banks Institute PDF: 7 pages, 146 KB
European Shadow Financial Regulatory Committee Scanned PDF: 4 pages, 246 KB 22 Aug 03
European Union of Housebuilders and Developers PDF: 11 pages, 120 KB
Experian-Scorex PDF: 5 pages, 147 KB
FBE PDF: 63 pages, 693 KB
FEBRABAN PDF: 11 pages, 177 KB
Federation Bancaire Française Scanned PDF: 37 pages, 518 KB
FEFSI PDF: 8 pages, 46 KB
Financial Guardian Group PDF: 27 pages, 100 KB
Financial Services Roundtable PDF: 16 pages, 262 KB
Finnish Authorities PDF: 10 pages, 119 KB
Finnish Bankers' Association PDF: 6 pages, 85 KB
Fitch Ratings PDF: 8 pages, 60 KB
FleetBoston Financial Corporation PDF: 9 pages, 188 KB
Förderungsverein der Primärbanken PDF: 2 pages, 71 KB
Fortis Bank PDF: 12 pages, 297 KB
Gecalux Group Scanned PDF: 2 pages, 108 KB
German Bausparkassen PDF: 5 pages, 116 KB
Goldman Sachs Scanned PDF: 5 pages, 228 KB
Griffith-Jones, S and Spratt, S PDF: 18 pages, 151 KB
Hiroyuki, Ota PDF: 2 pages, 25 KB
Hong Kong Association of Banks PDF: 8 pages, 213 KB
Hungarian authorities PDF: 7 pages, 159 KB
Industrial Bank of Taiwan PDF: 4 pages, 34 KB 19 Sep 03
Inner City Press Scanned PDF: 9 pages, 475 KB
Institut der Wirtschaftsprufer PDF: 7 pages, 68 KB
Institute of Chartered Accountants in England & Wales Scanned PDF: 7 pages, 344 KB
Institute of International Bankers PDF: 11 pages, 41 KB
Institute of International Finance PDF: 48 pages, 146 KB
International Air Transport Association Scanned PDF: 2 pages, 2220 KB
International Monetary Fund Scanned PDF: 7 pages, 366 KB
International Valuation Standards Committee PDF: 3 pages, 330 KB
ISDA-TBMA PDF: 45 pages, 377 KB
Japanese Bankers Association PDF: 21 pages, 295 KB
JP Morgan Chase Scanned PDF: 21 pages, 1362 KB
KeyCorp PDF: 13 pages, 149 KB
KPMG Scanned PDF: 13 pages, 585 KB 19 Sep 03
Kredittilsynet-Norges Bank PDF: 16 pages, 161 KB
Leaseurope PDF: 19 pages, 120 KB
Lehman Brothers Scanned PDF: 9 pages, 464 KB
LIBA and BBA PDF: 20 pages, 270 KB
Linklaters Business Services PDF: 6 pages, 117 KB
Loan Market Association Scanned PDF: 30 pages, 768 KB
Malta Financial Services Authority PDF: 4 pages, 127 KB
Marsh Inc PDF: 12 pages, 78 KB
Massachusetts Bankers Association PDF: 2 pages, 9 KB
Mauritius Banks PDF: 7 pages, 119 KB
MBNA America Bank Scanned PDF: 26 pages, 1598 KB
McHenry Savings Bank PDF: 1 page, 24 KB
Mellon Financial Corporation PDF: 3 pages, 91 KB
Merrill Lynch PDF: 6 pages, 41 KB
Moody's PDF: 4 pages, 169 KB
Mortgage Bankers Association of America PDF: 5 pages, 108 KB
Mortgage Insurance Companies of America PDF: 9 pages, 223 KB
National Association of Home Builders Scanned PDF: 13 pages, 452 KB
National Association of Realtors PDF: 6 pages, 131 KB
National Bank of Slovakia PDF: 3 pages, 93 KB
National Housing Federation PDF: 2 pages, 76 KB
Netherlands Bankers Association PDF: 16 pages, 159 KB
New York Clearing House PDF: 9 pages, 154 KB
New York Foreign Exchange Committee PDF: 5 pages, 164 KB
New York State Banking Department PDF: 8 pages, 112 KB
Norinchukin Bank PDF: 5 pages, 59 KB
Norwegian Financial Services Association Scanned PDF: 3 pages, 167 KB
Norwegian Savings Banks Association PDF: 7 pages, 142 KB
Österreichische Verband der Immobilientreuhänder PDF: 2 pages, 58 KB
PNC Financial Services Group PDF: 8 pages, 36 KB
Polish Banking Supervisory Authority PDF: 5 pages, 110 KB
Raiffeisen Bankengruppe - Austria PDF: 19 pages, 110 KB
Rating and Investment Information Inc PDF: 2 pages, 52 KB
Real Estate Roundtable PDF: 3 pages, 1357 KB
Regional Banks Association of Japan PDF: 1 page, 119 KB
Reserve Bank of India PDF: 14 pages, 146 KB
Reserve Bank of Zimbabwe PDF: 3 pages, 88 KB
Resti, A and Sironi, A PDF: 44 pages, 368 KB
Risk Management Association PDF: 37 pages, 312 KB
RMA Committee on Security Lending PDF: 15 pages, 133 KB
Royal Bank of Scotland Group Scanned PDF: 5 pages, 328 KB
Royal Institution of Chartered Surveyors PDF: 8 pages, 117 KB
Saudi Arabian Monetary Agency Scanned PDF: 8 pages, 332 KB 11 Nov 03
Securities Industry Association PDF: 4 pages, 88 KB
Securitisation Associations PDF: 41 pages, 1290 KB
South African Reserve Bank Scanned PDF: 17 pages, 144 KB
Spanish Banking Association PDF: 55 pages, 928 KB
Standard & Poors PDF: 18 pages, 88 KB 30 Sep 03
Standard Chartered Scanned PDF: 4 pages, 238 KB
State Street Scanned PDF: 6 pages, 434 KB
Suntrust Scanned PDF: 5 pages, 292 KB
Superintendencia de Banca y Seguros Peru PDF: 14 pages, 163 KB
Swedish Bankers Association PDF: 10 pages, 130 KB
Swiss Bankers Association Scanned PDF: 26 pages, 1741 KB
Synovus Financial Corporation PDF: 5 pages, 127 KB
Talbot Underwriting PDF: 11 pages, 197 KB
Tanzanian Banking Industry Scanned PDF: 3 pages, 124 KB
Taylor, C PDF: 37 pages, 320 KB
Thirlwell, J PDF: 5 pages, 77 KB
Treasury Strategies Scanned PDF: 8 pages, 166 KB 22 Aug 03
UBS PDF: 8 page, 156 KB
UEAPME PDF: 6 pages, 124 KB
Universität Heidelberg Scanned PDF: 2 pages, 44 KB
Universität Karlsruhe PDF: 7 pages, 215 KB
University of Regensburg PDF: 7 pages, 143 KB
Verband der Burgschaftsbanken PDF: 3 pages, 74 KB
Wachovia PDF: 24 pages, 277 KB
Washington Mutual Scanned PDF: 6 pages, 439 KB 22 Aug 03
Wells Fargo Scanned PDF: 16 pages, 1048 KB 19 Sep 03
Westpac PDF: 21 pages, 212 KB
Willis Limited PDF: 5 pages, 122 KB
Wirtschaftskammer - Österreich PDF: 34 pages, 316 KB
World Bank Scanned PDF: 5 pages, 234 KB
World Council of Credit Unions PDF: 5 pages, 61 KB
Zentraler Kreditausschuss PDF: 82 pages, 407 KB
Zentralverband des Deutschen Handwerks Scanned PDF: 5 pages, 206 KB

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