Articles

Basel III Criteria And Effects Of The Turkish Banking System(02.02.2013 was published in the newspaper World Dated.)

I-BASEL III AND THE NATURE OF SUPPLY

Basel Committee on Banking Supervision, banking supervision, and in order to ensure that international cooperation in the countries of the G-10 Central Bank Governors in December 1974, by the "banking regulation and supervisory practices Committee" (Committee on Banking Regulations and Supervisory Practices). BIS (Bank for International Settlements) in our country, is released in 1989 by April/2001 remains to be implemented out of Basel I standards, risk measurement, June/the final text of Basel II in 2004 with improved banking risk management by creating standards was enacted. However, in 2008, resulting in serious financial risks that arise in conjunction with the global crisis, questioning the adequacy of Basel II. Therefore, the criteria for decisions on the agenda and the necessity of Basel III as regards this first draft prepared by the Basel Committee on Banking Supervision at the Central Bank Chairmen and the 9 meeting of the heads of the accepted decisions of the ultimate application Control Authority has been released.

Basel III decisions, but not for the purpose of Basel II is completely eliminated in the 2008 global crisis resulting from Basel II is organized for the purpose of eliminating the shortcomings. One of the most important changes made to the banks under the Basel III capital adequacy calculations they use to change the definition of capital. So under the Basel III capital increase in banks ' risky decisions should parallel operations. This exaggeration more capital, according to Basel II. Especially the last financial crisis remains weak liquidity adequacy and Basel II applications leverage ratios are not risk-based, such as the new arrangements have been made with the Basel III risk points. These regulations together; Banking-financial system, increase the resistance of the financial and economic shocks, risk management practices, improving corporate governance, enabling Banks to increase public understanding of an open and transparent manner. Edits made for this purpose are:

Increasing the quantitative and qualitative aspects of capital

* Minimum capital requirement corresponds to the increase of the proportion of troubled periods and, if necessary, the introduction of the standard,

* Regulations on the minimum liquidity ratios,

* Trading accounts, changes to capital adequacy calculations,

* Counter party credit risk for calculating the changes,

* The development of cross-border banking rules,

* Review of the banking control Active again and develop standard control applications

Since the application of the principles of Basel II regulations in question, however, does not present significant deviations in Basel II and further increasing the obligations property points, while the banking system is able to adapt to these regulations literally can continue until 2019.

II-THE EFFECTS OF THE TURKISH BANKING SYSTEM AND RESULT OF BASEL III

Prepared by the global crisis in 2008, the post should’nt interested in only the amount of capital the banks ' Basel III regulations bring new regulations. Edits made in previous years and considering new studies; reaching the total assets of a $ 1.3 billion, a strong capital adequacy rate of 16.5 % capital structure within the scope of the Turkish banking system with applications that might not need to a serious capital requirements Basel, subordinated loans is lower and at the same time, the share of equities in the paid-in capital, profit reserves and retained earnings are seen as core capital items is higher. The Turkish banking system Basel III on the basis of a very high level of compliance with the regulations being introduced in 2001 in the wake of the banking crisis lessons learned and effectively discipline and reorganisation of the system. Hence BDDK((Banking Regulation and Supervision Board) positive contribution in this regard is undeniable. All this information was evaluated in the light of Turkey's economy and the Basel III the possible effects of Turkish Banking System can be listed as follows:

Ø Core capital adequacy ratio and the Turkish banking system capital adequacy ratio of the difference between the United States and Europe are expected to be lower than the banks. in 2008, the global crisis in Turkey, the banking sector among OECD countries public is the only country that has no need for capital support.

Ø Examined the basic fundamentals of Basel III applications especially the "related to" liquidity "and" capital buffer regulations prior to the crisis, BDDK (Banking Regulation and Supervision Board ) "proactive measures" taken by the significantly with which remind of. Within the framework of the road map that the brsa also the Turkish banking system is an important challenge for Basel III would have no show.

Ø "Target capital adequacy regulation on" implementation and crisis Responses such as "flexibility" in the crisis thanks to the proactive measures, members of the Turkish banking sector also remain extremely robust echo all over the world. In the new European Banking measures in question being discussed in terms of the Turkish banking system comes from the point of pride. Hence the BDDK(banking regulation and supervision Board )with sectoral needs in the future considering the risk of sector regulation and control to give utmost importance to develop systems and related modelling also increases the durability of the Turkish banking system against possible risks. Within the framework of this regulation, Inform About the mandatory Provisions No. 1/2005, Communiqué No. 7/6/2012 A Compulsory item on the amendment, the obligation corresponding to the Leverage Ratio is based on has been added.

Ø Between the application of Basel III in the "cyclical capital buffer" and "capital conservation buffer" implementation of Basel III capital requirements added over a period of time can cause a parallel provisions could adversely affect banks' equity is assumed that the measures set out in the medium and long term economic growth. However, due to the separation of the possible crisis periods correspond to the needs of capital, will raise the cost of credit will be extended, will give rise to decrease a rate of profitability of the banking system.

Ø Basel III has a much stronger capital structure, together with the banking system will create a positive impact on the macro-economic balances.

Ø Decisions of a more transparent financial sector structure of Basel III.

Ø The systematic risk in macro and micro level the process of Basel III will help limitation.

Ø Impact of Basel III process perhaps most importantly the shadow economy will daraltılmasında this is also working with the banking surveillance and control system more effective refactoring.

Ø Asset-liability management is enabled through the implementation of market risk management and the link between the flow of information with will become strong.

Ø The banks ' risk appetite and risk perceptions bring important changes.

In the process of institutionalization of the banks ' commercial and corporate customers,

Ø A positive development to help improve the asset quality of banks, as it led to support.

Ø Customer portfolio preferences of banks, in the direction of high credibility, rating companies on good, solid companies with good credit rating will change, the average rate of interest on the loan disbursement loan lower rate may be in question.

As a result I believe the Turkish banking system must have sufficient capital support, risk management, effective control and internal control system with sound equity structure, high liquidity level, low leverage rate, and the implementation of the resolutions of the welded deposit funding structure of Basel III isnt lived an important problem for the process. And at the same time, a strong banking system will support Basel III criteria ready to reel is the notion that a healthy momentum in the sustainable development of the economy.

Gökhan TAŞPINAR

Denizbank Branch Manager


SOURCES

1. Bankacılık Düzenleme Ve Denetleme Kurumu'nca (BDDK) kamuoyunu bilgilendirme amacıyla hazırlanan "Sorularla Basel III(29.11.2010)
2. Basel-III: Uluslararası Bankacılık ve Finans Sisteminin Yeni Mimarisi ve Türk Bankalarına Etkileri Konferansı
3. DEMİRKOL,Ö. Basel II Sermaye Yeterliliği Uzlaşısı Süreci İçinde Gelen Ek Düzenlemeler Seti:BASEL III KRİTERLERİ
4. Bankacılık ve Sigortacılık Araştırmaları Dergisi Cilt 1 Sayı 3-4 (Ocak 2012),
5. “10 Soruda Yeni Basel Sermaye Uzlaşısı”, BDDK Araştırma Dairesi, Ocak/2005
6. BDDK’nın 30.11.2012 tarihli günlük Bankacılık Sektörü Raporu
7. “Basel II’ye Geçişe İlişkin Yol Haritası” BDDK Araştırma Dairesi, 30.05.2005
8. “Bankacılık Sektörü Basel II Gelişme Raporu”, BDDK Araştırma Dairesi, 19.06.2006
9. BULUT, B. “Basel III ve Getirdikleri1”KOBİTEK
10. AKSOY,M. “Basel III'ün etrafından dolanmak” Para Dergisi Sayı:355
11. TAŞPINAR,G. “Basel II Sürecinin Türk Bankacılık Sistemine Yansımaları” 30.01.2007 tarihli Dünya Gazetesi
12. İnternet Kaynakları
http://www.bddk.org.tr
http://www.tbb.org.tr
http://www.bis.org/bcbs/basel3.htm
www.kobitek.com
www.guardian.co.uk/business/basel-iii.
http://www.businessweek.com/articles/2012-11-15/bloomberg-view-basel-iiis-bedeviling-complexity


 

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