Bank business models changing due to Basel III, says EY

Half of G-Sifis face demands to change business mix or deleverage, survey finds

Concept image representing cutting the combined code

Basel III bank capital rules are having an impact on banks' business models – for instance, by pushing them out of more complex, less liquid products and forcing them to limit the number of geographies in which they are active, a recent survey by consultancy EY has found.

Finalised in the aftermath of the global financial crisis, the rules adopted by the Basel Committee on Banking Supervision impose a common equity Tier 1 capital ratio of 4.5%, along with a 2.5% capital conservation buffer. For

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