Utilize este identificador para referenciar este registo: http://hdl.handle.net/10400.22/5441
Título: The impact of the implementation of the Basel III recommendations on the capital of portuguese banks
Autor: Silva, Amândio
Fernandes, Joel
Data: 2014
Editora: The International Journal Research Publications
Resumo: This paper analyses the impact of the implementation of the Basel III recommendations, using the standard method, in Portugal. For our study, we used the annual reports of 31st of December of 2012, and found out that out of the fourteen banks that published annual reports, only six satisfied the minimum ratios laid out by BCBS. Till 2012, Portuguese banks used an internal ratings method based on the Basel II recommendations known as notice 6/2010 of the Portuguese central bank, Banco de Portugal. As the implementation of the recommendations of Basel III in the EU via the Credit Review Directive IV is scheduled for 2014 and later years, Portuguese banks may severely contract credit upon implementation, as that is the easiest, fastest and cheapest way for banks to satisfy the minimum ratio requirements as compared to an increase of capital or credit spreads.
Peer review: yes
URI: http://hdl.handle.net/10400.22/5441
ISSN: 2251-1555
Versão do Editor: http://www.theinternationaljournal.org/ojs/index.php?journal=rjebs&page=article&op=view&path%5B%5D=3277
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