Basel III, regulating the solvency of banks, is to be fully implemented by 2027 while Solvency III directed at insurers … the solvency of banks and insurers in the same way? The first question is motivated by an earlier finding that Basel I and … II risked inducing more rather than less risk-taking by banks, which also holds for Solvency I and II w.r.t. insurers …

(CRE) exposures in Norway, applicable to the largest banks. CRE is the sector where banks have historically incurred the … weight floor is high enough to cover banks' CRE loan losses[1] during the downturn in 2002-03, but lower than the CRE loan … cover some of the losses. On the other hand, risk weight floors should not be set to a level that weakens banks' incentives …

(CRE) exposures in Norway, applicable to the largest banks. CRE is the sector where banks have historically incurred the … weight floor is high enough to cover banks' CRE loan losses[1] during the downturn in 2002-03, but lower than the CRE loan … cover some of the losses. On the other hand, risk weight floors should not be set to a level that weakens banks' incentives …

important characteristics of banks and institutions. At the micro level, banks that are politically connected are larger and … more profitable than other banks, despite being less leveraged and having less risk. At the country level, this …

In this paper, we analyse the appropriate capital adequacy ratio for banks from a socio-economic perspective. More … equity capital in banks can contribute to financial stability by reducing the risk of costly banking crises, but lending may … become more expensive if banks are required finance their assets with more equity. When assessing optimal capital adequacy …

"double state-dependence". The first state-dependence relates to the characteristics of banks. Specifically, the transmission … of lower capital requirements to lending is stronger for banks with lower capital ratios. We interpret this result as …

regulators, politicians, and banks within developing countries, and international actors including investors, peer regulators …