Analýza vybraných dopadov zavedenia nového regulačného systému basel III. na stabilitu a výkonnosť bankového sektora

Abstract

Basel III. recommendations have been created in response to the financial crisis, which showed that the banking sector (especially in developed countries) did not have sufficient quality and capital to absorb potential losses in case of banks’ insolvency. Aim of this article is to analyze selected impacts of implemented new rules of Basel III. in relation to the stability, security and performance of banking sector. Contribution focuses on questions of principle, whether the introduction of Basel III. could be resistant to future crisis and also how bank could reach consensus between the interests and requirements of the shareholders (expected profit), regulator (capital adequacy) and management (bank’s performance in relation to their risks). Achieving higher capital requirements of Basel III. doesn’t automatically mean that bank will be safe and profitable also. Growth equity is a necessary but not sufficient condition for achieving greater security of the banking sector. In addition, essential macro- and microeconomic factors would take place in an appropriate regulatory system.