In 2013, KPMG predicted the emergence of ‘Basel 4’ even before Basel 3 had been fully implemented. Looking back, we see much of what we predicted has come to pass, and in some cases where international standards and national regulation have become more onerous for banks.

Despite what the standard setters may say, Basel 4 is real and it will increase capital requirements and funding costs, which will impact banks’ ability to lend and therefore hit the wider economy.

This page features a number of reports and articles from KPMG that have been forecasting the emergence of Basel 4.

The world awaits – Basel 4 nears completion

The Basel Committee is expected to finalise in early 2017 its revisions to a number of papers.

 
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Capital myths and realities

This paper unpacks six myths around regulation and their impact on banks’ strategies...

 
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EU Banking Reform

From Basel to Brussels: revising CRR, CRD4 and the BRRD.

 
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The profitability of EU banks

This paper analyses five drivers of bank profitability and their combined...

 
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Basel 4 revisited

In 2013, KPMG predicted the emergence of Basel 4 even before Basel 3 had been fully...

 
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It has been almost a decade since the start of the financial crisis, and the existing pipeline of regulation is still far from completion – that’s without even considering new rules that will emerge as business models change and technology evolves. Regulatory compliance dominates bank’s priorities; strategic thinking and innovation need to be at the forefront.

As Basel 4 has evolved, the strategic and business implications for banks we put forth in Basel 4 – Emerging from the mist have become even more pronounced. Banks have raised more capital and/or reduced their on- and off-balance sheet activities, which in turn has increased costs and reduced the availability of bank finance for lending, among other issues. The multiple regulatory and commercial pressures on banks are making it more difficult for banks to develop and implement viable and sustainable business strategies, and to meet the expectations of their customers, investors and regulators simultaneously.

Basel 4 – Emerging from the mist

Since 2013, there have been signs we were moving beyond Basel 3.

 
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