NoWay
It's time to play the game
Beh... finchè si può dire e fare qualsiasi cosa senza subirne le conseguenze...
Obbligazioni perpetue e subordinate Tutto quello che avreste sempre voluto sapere sulle obbligazioni perpetue... - Cap. 3
- Creatore Discussione Joe Silver
- Data di Inizio
Beh... finchè si può dire e fare qualsiasi cosa senza subirne le conseguenze...
Vet
Forumer storico
ai tempi delle menzogne sul Banco in merito al superamento degli stress .... sembrava che dovesse partire una denuncia con relativa richiesta di risatcimento danni.... ma non se ne fatto nulla ......chissa perche'?....,., e gli azionisti pagano e si ritrovano un azione che un'anno fa valeva sui 12/ 13 ... e ora meno di 2 euro.... questo d' altronde e' il mercato azionario....
NoWay
It's time to play the game
Sarà pure il mercato, ma secondo me se un'azione passa da 13 a meno di 2 (con in mezzo alcune cosette dirette a rafforzarne la solidità) o la società è prossima a cappottare o c'è qualcosa che puzza...
nik.sala
Money Never Sleeps
può essere detto per una miriade di società/banche quotate se è per questo.
NoWay
It's time to play the game
Lo so, lo so...
NoWay
It's time to play the game
Banche - Commissione Ue: limite del 3% alla leva finanziaria
La Commissione Europea ha presentato oggi un pacchetto di regole volte ad aggiornare i requisiti di capitale delle banche europee, allo scopo di rafforzare la riduzione dei rischi. Questo pacchetto ingloba anche i nuovi standard decisi a Basilea per le banche sistemiche.
In particolare, per le banche sistemiche dell’Ue, e' stata fissata la soglia del 3% da rispettare nel rapporto tra la base di capitale e le attivita' totali.
In pratica, le nuove regole mirano a porre un limite alla cosiddetta leva finanziaria, che quando diventa eccessiva ha un effetto negativo sulla solvibilita' della banca.
L’obiettivo del provvedimento emanato dell’esecutivo comunitario e' quello di riparare dai rischi di shock gli istituti di credito considerati troppo grandi per fallire (too big to fail), e anche quelli attorno ai quali poggia il sistema economico dell’Ue.
E' stato fissato anche un livello minimo di capacita' di assorbimento delle perdite (Tlac), volto ad azzerare i rischi di un eventuale fallimento delle banche sistemiche.
Inoltre, e' stato introdotto un nuovo buffer di liquidita' che imporra' alle banche di finanziare i loro prestiti di lungo termine con risorse stabili.
Un'altra novita' rilevante riguarda il fatto che e' diventato permanente il sistema che prevede accantonamenti piu' bassi per le banche che concedono prestiti alle piccole e medie imprese, tenendo pero' conto della specificita' di ciascuna banca.
Le banche principalmente interessate sono i 13 istituti creditizi (Barclays, Bbva, Bnp Paribas, Credit Agricole, Deutsche Bank, Group Bpce, Hsbc, Ing, Royal Bank of Scotland, Banco Santander, Societe' Generale, Standard Chartered e Unicredit) europei riconosciuti come troppo grandi per fallire dal Financial Stability Board, l’organismo internazionale che ha il compito di monitorare il sistema finanziario mondiale.
La Commissione Europea ha presentato oggi un pacchetto di regole volte ad aggiornare i requisiti di capitale delle banche europee, allo scopo di rafforzare la riduzione dei rischi. Questo pacchetto ingloba anche i nuovi standard decisi a Basilea per le banche sistemiche.
In particolare, per le banche sistemiche dell’Ue, e' stata fissata la soglia del 3% da rispettare nel rapporto tra la base di capitale e le attivita' totali.
In pratica, le nuove regole mirano a porre un limite alla cosiddetta leva finanziaria, che quando diventa eccessiva ha un effetto negativo sulla solvibilita' della banca.
L’obiettivo del provvedimento emanato dell’esecutivo comunitario e' quello di riparare dai rischi di shock gli istituti di credito considerati troppo grandi per fallire (too big to fail), e anche quelli attorno ai quali poggia il sistema economico dell’Ue.
E' stato fissato anche un livello minimo di capacita' di assorbimento delle perdite (Tlac), volto ad azzerare i rischi di un eventuale fallimento delle banche sistemiche.
Inoltre, e' stato introdotto un nuovo buffer di liquidita' che imporra' alle banche di finanziare i loro prestiti di lungo termine con risorse stabili.
Un'altra novita' rilevante riguarda il fatto che e' diventato permanente il sistema che prevede accantonamenti piu' bassi per le banche che concedono prestiti alle piccole e medie imprese, tenendo pero' conto della specificita' di ciascuna banca.
Le banche principalmente interessate sono i 13 istituti creditizi (Barclays, Bbva, Bnp Paribas, Credit Agricole, Deutsche Bank, Group Bpce, Hsbc, Ing, Royal Bank of Scotland, Banco Santander, Societe' Generale, Standard Chartered e Unicredit) europei riconosciuti come troppo grandi per fallire dal Financial Stability Board, l’organismo internazionale che ha il compito di monitorare il sistema finanziario mondiale.
Fabrib
Forumer storico
Ancora più in dettaglio:
11/23/2016 | 09:47am EST
The European Commission proposed new capital rules for banks on Wednesday in line with those agreed by global regulators but with several tweaks, in a sign of a growing fragmentation of financial rulebooks around the world.
The EU's executive arm proposed adapting its rules on capital requirements and loss-absorbing buffers to agreements reached in the Basel Committee of global financial regulators, which oversees U.S., European and Japanese lenders.
But instead of simply replicating the rules agreed with its international partners, the Commission proposed changes and some new provisions that may upset non-EU banks and regulators.
After the 2007-2008 financial crisis, governments of major economies pledged to keep their banking rules closely harmonised.
But that close alignment is starting to fray, with the EU trying to reduce the impact of the rules on economic growth and the region's beleaguered banking industry.
"We have put forward new risk reduction proposals that build on the agreed global standards while taking into account the specificities of the European banking sector," said Valdis Dombrovskis, the EU commissioner on financial services.
The move comes as the European Union is battling a new set of reforms expected to be adopted by the Basel Committee in the coming weeks on banks' models for calculating risk, which the EU thinks may favour U.S. banks.
In another sign of the fragmentation of global financial regulation, U.S. President-elect Donald Trump has talked about possibly reviewing ruled introduced after the financial crisis.
"We expect our international partners to stick to globally-agreed standards," Dombrovskis told reporters when asked about the Trump's intentions.
And in what could be an area of disagreement between the EU and other major economies, Brussels is proposing the EU operations of top U.S. or Asian banks hold enough capital so they could face a crisis without help from their headquarters.
The proposal mirrors U.S. legislation which forces foreign banks' subsidiaries to hold capital buffers in their U.S. outposts provision which is likely to increase safety but also costs for lenders.
"The problems are that this new (EU) rule is inflexible, and looks like an aggressive reaction to developments in the U.S., at a moment when greater regulatory co-operation and convergence are seen as critically important in the market," said James Perry, financial regulation partner at law firm Ashurst.
MEASURES PROPOSED
The Commission has also proposed a new set of requirements for European banks aimed at keeping their lending in check and ensuring they have stable funding sources.
Under the proposals, EU lenders would be required to hold a binding 3 percent leverage ratio. The measure will be integrated at a later stage with higher requirements for systemic banks, the Commission said in a note.
Banks would also have to meet a Net Stable Funding Ratio (NSFR) aimed at limiting excessive reliance on the type of short-term funding that was among the causes of the global financial crisis.
Brussels is also proposing tighter capital requirements on banks' trading of shares, bonds or derivatives, because of their higher volatility.
In a deviation from global rules, the Commission said the new rules will be phased in beyond the globally-agreed 2019 starting date. Brussels is also proposing several exceptions for the NSFR.
European banks welcomed the Commission's proposals as they softened some global requirements.
"This package is about implementing global standards and about re-calibrating provisions where evidence has established that the earlier regulatory response was heavy-handed," Wim Mijs, head of the European Banking Federation, said, praising the reduction of regulatory complexity sought by the proposals.
As widely anticipated, new global rules to force systemic banks to hold sufficient capital buffers to absorb losses, the so-called Total loss absorbing capacity (TLAC), will be introduced in the EU legislation with tweaks to the EU's standard called Minimum Requirement for own funds and Eligible Liabilities (MREL).
In changing the rules governing MREL, the Commission also proposed tweaks to bail-in regulations which are aimed at reducing losses for taxpayers in case of a bank crisis, while hitting the lenders' creditors.
With the aim of increasing the funding of the real economy, which is still struggling in some euro zone countries, the Commission also proposed lower requirements for bank lending to small companies and for infrastructure projects.
The proposals made by the Commission need the approval of EU states and European lawmakers to become law.
(Reporting by Francesco Guarascio; Editing by Robin Pomeroy)
By Francesco Guarascio
11/23/2016 | 09:47am EST
The European Commission proposed new capital rules for banks on Wednesday in line with those agreed by global regulators but with several tweaks, in a sign of a growing fragmentation of financial rulebooks around the world.
The EU's executive arm proposed adapting its rules on capital requirements and loss-absorbing buffers to agreements reached in the Basel Committee of global financial regulators, which oversees U.S., European and Japanese lenders.
But instead of simply replicating the rules agreed with its international partners, the Commission proposed changes and some new provisions that may upset non-EU banks and regulators.
After the 2007-2008 financial crisis, governments of major economies pledged to keep their banking rules closely harmonised.
But that close alignment is starting to fray, with the EU trying to reduce the impact of the rules on economic growth and the region's beleaguered banking industry.
"We have put forward new risk reduction proposals that build on the agreed global standards while taking into account the specificities of the European banking sector," said Valdis Dombrovskis, the EU commissioner on financial services.
The move comes as the European Union is battling a new set of reforms expected to be adopted by the Basel Committee in the coming weeks on banks' models for calculating risk, which the EU thinks may favour U.S. banks.
In another sign of the fragmentation of global financial regulation, U.S. President-elect Donald Trump has talked about possibly reviewing ruled introduced after the financial crisis.
"We expect our international partners to stick to globally-agreed standards," Dombrovskis told reporters when asked about the Trump's intentions.
And in what could be an area of disagreement between the EU and other major economies, Brussels is proposing the EU operations of top U.S. or Asian banks hold enough capital so they could face a crisis without help from their headquarters.
The proposal mirrors U.S. legislation which forces foreign banks' subsidiaries to hold capital buffers in their U.S. outposts provision which is likely to increase safety but also costs for lenders.
"The problems are that this new (EU) rule is inflexible, and looks like an aggressive reaction to developments in the U.S., at a moment when greater regulatory co-operation and convergence are seen as critically important in the market," said James Perry, financial regulation partner at law firm Ashurst.
MEASURES PROPOSED
The Commission has also proposed a new set of requirements for European banks aimed at keeping their lending in check and ensuring they have stable funding sources.
Under the proposals, EU lenders would be required to hold a binding 3 percent leverage ratio. The measure will be integrated at a later stage with higher requirements for systemic banks, the Commission said in a note.
Banks would also have to meet a Net Stable Funding Ratio (NSFR) aimed at limiting excessive reliance on the type of short-term funding that was among the causes of the global financial crisis.
Brussels is also proposing tighter capital requirements on banks' trading of shares, bonds or derivatives, because of their higher volatility.
In a deviation from global rules, the Commission said the new rules will be phased in beyond the globally-agreed 2019 starting date. Brussels is also proposing several exceptions for the NSFR.
European banks welcomed the Commission's proposals as they softened some global requirements.
"This package is about implementing global standards and about re-calibrating provisions where evidence has established that the earlier regulatory response was heavy-handed," Wim Mijs, head of the European Banking Federation, said, praising the reduction of regulatory complexity sought by the proposals.
As widely anticipated, new global rules to force systemic banks to hold sufficient capital buffers to absorb losses, the so-called Total loss absorbing capacity (TLAC), will be introduced in the EU legislation with tweaks to the EU's standard called Minimum Requirement for own funds and Eligible Liabilities (MREL).
In changing the rules governing MREL, the Commission also proposed tweaks to bail-in regulations which are aimed at reducing losses for taxpayers in case of a bank crisis, while hitting the lenders' creditors.
With the aim of increasing the funding of the real economy, which is still struggling in some euro zone countries, the Commission also proposed lower requirements for bank lending to small companies and for infrastructure projects.
The proposals made by the Commission need the approval of EU states and European lawmakers to become law.
(Reporting by Francesco Guarascio; Editing by Robin Pomeroy)
By Francesco Guarascio
Vet
Forumer storico
Si vero...ma la discesa azionaria ,del banco, può essere in termini numerici per il periodo 2016 ,paragonata solo a MPS.......banca di fatto fallita
Myskin
Forumer stoico
svuotare il mare con un secchiello
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