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The application of Basel III in Portugal: previsions based on 2012 and 2013 banking balance-sheets
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The Basel Committee on Banking Supervision (BCBS) introduced new regulations for banking
supervision in December 2010, better known as Basel III recommendations that aimed at guaranteeing
the solidity of banks worldwide and the mitigation of new banking crises risks. The European Union
transposed these directives through the Credit Review Directives IV (CRD IV). Portugal adopted CRD
IV by a new decree-law no. 157/2014, on 24 th October 2014, enforced from 24 th November 2014.
While individual banks have been given the option of using the internal ratings based method, this
study analyses the compliance levels of all Portuguese banking institutions using the standard method,
also prescribed by BCBS. Our results show that out of thirteen banks on 31-12-2013 only five banks
were in a comfortable position and the remaining eight could not reach the minimum requirements set
up by BCBS for 1-1-2014.
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Basel III CRD IV Tier I Tier II Capital ratios