Preparing for the worst

Small and medium-sized banks in the US and Europe are bracing themselves for Basel II. Gallagher Polyn examines how these institutions plan to adapt to the new Accord.

In the US and Europe, small and medium-sized banks greeted the publication in January of the Basel Committee on Banking Supervision’s proposals for a new Accord on bank regulatory capital with a collective moan. The new rules will impose significant costs for banks that wish to comply with the Accord’s foundation and advanced internal ratings-based (IRB) approaches.

While the US Federal Reserve has promised to soften the blow for US small and medium-sized banks by issuing special rules for

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