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Measuring The Capital Adequacy Of Banks: Introducing Our Newly Amended Risk-Adjusted Capital Framework Apr 09
Standard & Poors, April 2009
Abstract
Everyone these days seems to have an opinion about banks and capital. The conventional wisdom is that banks need more. But nobody knows precisely how much the world's financial institutions need, nor what the right benchmark is for measuring it. The recent Group of Twenty summit and the Financial Stability Forum have said that Basel II, which banks are just starting to implement, will need to be improved and supplemented by complementary measures. In today's global recessionary environment we believe the marketplace would benefit from a clear capital benchmark, to help participants assess and compare the capital adequacy of banks. In our view, the lack of such a measure makes it more difficult for them to develop informed opinions about...
Standard and Poors RatingsXpress Credit Research provides in-depth coverage of international corporates, financial institutions, insurance companies, utilities, sovereigns and structured finance programs. RatingsXpress Credit Research lets users determine the credit rating of holdings and identify key factors underlying an issuer's creditworthiness, distinguishes the different risk exposures for new and existing deals, and provides an understanding of how their analysts interpret key regulatory, political and environmental events and their economic impact.
Research Type: Commentary
Criteria articles describe the thought process and methodology Standard & Poor's analysts use in determining ratings. These commentary pieces discuss both the quantitative (economic and financial) and qualitative (business analysis and caliber of management) aspects of the analysis, as well as legal issues.
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