ABA Banking Journal - March 2014 - (Page 16)

community banking BASEL III Basel III is bad fit for smaller banks A robust ERM program must be in place to show you've got appropriate capital I spent many of my years as a regulator with FDIC and the New Jersey Department of Banking and Insurance. During that time, I was on the Basel Committee on Bank Supervision and was part of the Basel II deliberations. I regularly argued for a Basel leverage ratio. So one may think that I would be wholeheartedly embracing a rule that was designed as ". . . a comprehensive set of reform measures to strengthen the regulation, supervision, and risk management of the banking sector," as the Basel III rules have been described. 16 | ABA BANKING JOURNAL | March 2014 As a matter of fact, I still have the T-shirt that was given to me by my students in a BankSim class at Stonier in the 1980s, and it spells out FDIC in a new way: Forever Demanding Increased Capital. I do understand the need for the development and implementation of Basel III as it relates to large, complex, internationally active financial institutions. But when I look at the regulatory requirements and burden as well as the resultant economic effects that the Basel III rules will have on community banks, I find pHoTo: SHuTTERSToCK.CoM BY NICK KETCHA http://www.SHUTTERSTOCK.COM

Table of Contents for the Digital Edition of ABA Banking Journal - March 2014

Chairman's View
Editor's Column
The Economy
Bank Notes
Picture This
Basel III a bad fit for smaller banks
Tech Topics
Mortgage reboot
5 revenue ideas for the real world
Compliance Clinic
Compliance Inbox
ABA At Your Service
First Person

ABA Banking Journal - March 2014

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