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February 26, 2013
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  Credit Markets 
 
  • European banks eye higher capital ratios in recalculating risks
    Large European banks are recalculating risks in their trading books and loan portfolios to increase the ratio of capital to risk-weighted assets. Such recalculations are fairly standard, but analysts say some banks are accelerating the move amid increased pressure to bolster capital ratios as Basel III rules start coming into effect. The Wall Street Journal (2/21) LinkedInFacebookTwitterEmail this Story
  • Business lending surges as banks seek growth
    U.S. businesses are inundated with so many inexpensive loans that banks' margins are coming under pressure. Commercial and industrial loans increased 16% in 2012, according to SNL Financial. A Federal Reserve survey found narrowing loan spreads and relaxed lending standards. The Wall Street Journal (2/19) LinkedInFacebookTwitterEmail this Story
  • Solvency II delays let insurers expand SME business loans
    Anticipated delays in the implementation of Solvency II have given insurers an opportunity to take advantage of relatively high yields on loans to small- to medium-sized enterprises (SMEs). Most insurance firms want three-year and four-year loans so they will have the flexibility to adjust their portfolios when the Solvency II rules take effect. Risk.net (subscription required) (2/20) LinkedInFacebookTwitterEmail this Story
  • BoJ roadshow urges banks to boost business lending
    Bank of Japan officials have finished a 10-city tour to encourage banks to increase low-cost loans to businesses to revive the economy. The central bank plans to launch a program in June to make unlimited, cheap, long-term funds available to local and regional banks if they request the money for corporate loans. Reuters (2/26) LinkedInFacebookTwitterEmail this Story
CreditSights is the premier provider of independent credit research in the Capital Markets, producing analysis that is globally respected for its integrity and quality. Our analysis spans 40 industries and is focused on U.S. & European High Grade/High Yield issuers and in the last six months we have begun to roll out Asian companies coverage. Click here to learn more.
  Regulatory and Accounting Issues 
  • EU officials strive for progress on Basel III accord
    EU Internal Market Commissioner Michel Barnier says officials must move forward with Basel III rules governing bank capital to avoid further delay and uncertainty. "We need agreed rules as soon as possible so that banks know which way they are going," Barnier said. Bloomberg (2/26) LinkedInFacebookTwitterEmail this Story
  • FSA focuses on banks' risk assessment
    Banks are concerned that the U.K. Financial Services Authority will become overenthusiastic in policing banks that seek to tailor risk assessment to avoid higher capital requirements. Applying a universal system is one possible solution, but that could unfairly punish banks and require them to hold more capital than necessary, hurting economic growth, experts say. Reuters (2/25) LinkedInFacebookTwitterEmail this Story
  • EBA plans to develop scorecard of asset liquidity
    The European Banking Authority says it will rank financial assets according to liquidity as regulators begin to implement Basel III rules. The rankings are intended to help banks meet the liquidity-coverage ratio. Bloomberg (2/21) LinkedInFacebookTwitterEmail this Story
  • Fed's Rosengren: Big banks' capital surcharges could be too low
    The capital surcharges being proposed for the biggest of the systemically important banks definitely aren't excessive and may, in fact, be too low, said Boston Fed President Eric Rosengren. He based the opinion upon an internal Fed study of capital buffers for systemically important financial institutions. The full text of the Boston Fed study hasn't been made public. Reuters (2/24) LinkedInFacebookTwitterEmail this Story
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