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Regulators Release Basel lll Calculator

Posted on 10/8/2012

The federal banking regulators have released a Basel III calculator intended to help estimate the impact of the proposed new capital rules on their institutions.

"The tool is intended to help institutions estimate the potential effect the proposals could have on their capital ratios," the regulators said. "It should not be relied on as an indicator of an institution's actual regulatory capital ratios and is not part of the [proposals] nor of any final rule(s) that the agencies may adopt."

The calculator is useful as a starting point for bankers to consider the effect of the proposed rules on their banks and customers. The proposals' actual impact is heavily dependent on technical new definitions, individual loan underwriting data, and changing market conditions.

NDBA WARNING: As you use the calculator, keep this in mind. The calculator is accurate, but reflects results for only a single point in time. Now, many banks have unrealized portfolio gains which increase their capital under the proposed rules. When interest rate rise in the future, banks will have unrealized portfolio losses which will reduce their capital under the proposed rules.

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