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  • Open Daily: 10am - 10pm
    Alley-side Pickup: 10am - 7pm

    3038 Hennepin Ave Minneapolis, MN
    612-822-4611

Open Daily: 10am - 10pm | Alley-side Pickup: 10am - 7pm
3038 Hennepin Ave Minneapolis, MN
612-822-4611
Finance and Economics Discussion Series: Potential Competitive Effects of Basel II on Banks in SME Credit Markets in the United States

Finance and Economics Discussion Series: Potential Competitive Effects of Basel II on Banks in SME Credit Markets in the United States

Berger, Allen N.
United States Federal Reserve Board

Paperback

General Political Science

ISBN10: 1288713339
ISBN13: 9781288713332
Publisher: Bibliogov
Published: Feb 6 2013
Pages: 52
Weight: 0.24
Height: 0.11 Width: 7.44 Depth: 9.69
Language: English
We examine the likely competitive effects of the proposed implementation of the Basel II capital requirements on banks in the market for credit to SMEs in the U.S. Specifically, we address whether reduced risk weights for SME credits extended by large banking organizations that adopt the Advanced Internal Ratings-Based (A-IRB) approach of Basel II might significantly adversely affect the competitive positions of organizations that do not adopt A-IRB. The analyses suggest only a relatively minor competitive effect on the majority of community banks primarily because the organizations that are likely to adopt A-IRB tend to make very different types of SME loans to different types of borrowers than community banks. However, the analyses suggest the possibility of significant adverse effects on the competitive positions of large banking organizations that do not adopt A-IRB because the data do not suggest any strong segmentation in SME credit markets among large organizations.

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