A different view on Basel II

National discretion will play a big part in how Basel II is implemented by banking regulators – so much so that international banks have long voiced their fears that the new regime will create an uneven playing-field. But wouldn't it be more damaging to pretend that all the world's banking markets are exactly the same? Spanish banks have good reason to fear such a scenario – or so they believe. "I suspect that Spain is different from most other countries. I think our risk profile is

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