Basel Ii Implementation - The 4 Most important Differences in the middle of the Usa and the European Union

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1. Scope of application

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How is Basel Ii Implementation - The 4 Most important Differences in the middle of the Usa and the European Union

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Only a few financial institutions have to implement Basel Ii in the Unites States. Only core banks (0 billion or more consolidated total assets, or billion or more total on-balance sheet foreign exposure) have to implement Basel ii. These banks will implement the advanced approaches only.

All financial institutions have to implement Basel ii in the European Economic Area. These banks do not have to implement the advanced approaches only. They may implement simpler approaches, especially for a part of their portfolio.

2. Pillar 2

Financial institutions in the European Economic Area have to implement the detailed guidelines of the Committee of European Banking Supervisors (Cebs) for the application of the Supervisory reveal Process.

The rules in the United States are more general. There are fewer guidelines or details.

3. Definition of Default

In the United States, for wholesale exposures, default is triggered by the non-accrual status, i.e. It includes well-secured past due amounts. For retail exposures, there are two benchmarks at 180 days and 120 days respectively.

In the European Economic Area they follow the general 90 days definition of the Basel ii Accord.

4. The predicted Loss Given Default (Elgd)

In the Us, for each wholesale exposure and each segment of retail exposures, banks must directly assessment the parameters for the calculation of the:

A. Loss Given Default (Lgd)
B. predicted Loss Given Default (Elgd)

In the Basel papers (and the European implementation) there is nothing about the Elgd.

Lgd is defined as our best guess of the economic loss that would be incurred if the exposure were to default within one-year while economic downturn conditions.

Elgd is defined as our best guess of a bank's empirically based best assessment of the default-weighted average economic loss per dollar of Ead, which the bank expects to incur in the event that the obligor of the wholesale exposure defaults; or the loss the bank would expect to incur on a segment of retail exposures that defaults within a one-year horizon. The Elgd estimates must concentrate a mix of economic conditions.

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