Internship Report of Corporate Credit in Bank - 2405 Words

CHAPTER I INTRODUCTION 1.1 Background Basel Capital accord is a capital adequacy framework developed by the Basel committee. In 1988, the Basel Committee decided to introduce a capital measurement system commonly referred to as the Basel Capital Accord. This system provided for the implementation of a credit risk measurement framework with a minimum capital requirement of 8% on banks Risk Weighted Assets (RWA). The 1988 framework is also known as Basel – I. Since 1988, this framework has been progressively introduced not only in member countries but also virtually in all other countries. The international convergence on capital measurement and capital standard -2004 is popularly known as Basel-II. It is a capital†¦show more content†¦The rationale of Basel II was to reduce the scope for regulatory arbitrage and make regulatory capital requirements more risk-sensitive by incorporating advances made in banks‟ internal risk management practices in calculating regulatory capital requirements. The „International Convergence of Capital Measurement and Capital Standards: A revised Framework‟, known as Basel II, was agreed in 2004 and consisted of three pillars corresponding to minimum regulatory capital requirements in Pillar 1, the supervisory review process in Pillar 2 and market discipline in Pillar 3. 1. First Pillar The first pillar deals with maintenance of regulatory capital calculated for three major components of risk that a bank faces: credit risk, operational risk, and market risk. Other risks are not considered fully quantifiable at this stage. Credit Risk | Operational Risk | Market Risk | -Standardized Approach-Foundation IRB Approach-Advanced IRB Approach | -Basic Indicator Approach- Standardized Approach-Advanced Measurement Approach | -Standardized Approach-Internal Model Approach | 2. Second Pillar This is a regulatory response to the first pillar, giving regulators better tools over those previously available. It also provides a framework for dealing with systemicShow MoreRelatedInclusive Study to Know the Prospective of Askari Bank Essay1537 Words   |  7 PagesINTERNSHIP LETTER â€Æ' EXECUTIVE SUMMARY The inclusive study of Askari bank helps to suggest the organizational wide plans that verify the long run success of the organization, finding new ways to add value, flexibility, and developing unique skills and ideas to manage people. After studying one can simplify that how a bank can provide various products services to the customers in order to provide them best value. 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