Masterarbeit, 2013
70 Seiten, Note: 5
This dissertation aims to analyze the Basel III framework and its implications on the banking industry, with a particular focus on the Swiss Banking Sector. The analysis will examine the impact of Basel III on the profitability of banking business models, funding strategies, and compliance requirements.
The dissertation begins by providing an overview of the Basel Accords, starting with Basel I and its evolution through Basel II. It examines the successes and criticisms of each accord, highlighting the key drivers behind their development.
The second section delves into the global financial crisis, exploring its causes and the potential role of Basel II in contributing to it. This chapter also analyzes the impact of the crisis on the Swiss banking industry.
The third section focuses on Basel III, outlining its key focus areas and how it addresses the shortcomings of Basel II. It explores the concerns surrounding Basel III and its anticipated impact on European banks, particularly the Swiss banking industry. This section also includes an analysis of financial results to assess the effectiveness of Basel III.
The final section examines the role of central banks in implementing and enforcing Basel III regulations, analyzing the impact on monetary and fiscal policies. This chapter provides insights into the broader regulatory landscape and its implications for the banking sector.
This dissertation focuses on the Basel III framework, its implications for the Swiss banking industry, and the broader regulatory landscape. Key terms and concepts include: Basel Accords, banking regulation, capital requirements, liquidity, risk management, financial crisis, Swiss banking sector, central bank policy, monetary policy, fiscal policy, and regulatory compliance.
The core goal of Basel III is to ensure that governments will never have to bail out banks again by imposing much higher capital, liquidity, and funding requirements.
Basel III forces Swiss banks, especially system-relevant ones, to review their business models and funding strategies due to increased capital costs and intensified compliance pressure.
The regulations began with Basel I in 1988, evolved into Basel II (which some view as a catalyst for the financial crisis), and finally led to the more stringent Basel III framework.
Key areas include significantly higher capital requirements, improved risk management, and the introduction of new liquidity ratios to withstand economic stress.
The Basel III Accord was designed to be gradually implemented over a transition period from 2013 to 2018, with final targets set for early 2019.
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