awareness of all the risks in the banking sector through a process of detailed disclosure. It also helps align economic capital data to book and risk capital data. Further, this pillar reveals the annual losses incurred by business lines and asset classes. This helps increase transparency. IMPLICATIONS OF BASEL II Basel II is designed to overcome the drawbacks of the earlier accord and once achievement of its set targets is complete implementation by banks and financial organizations worldwide will be mandated. ORGANIZATIONS AFFECTED BY BASEL II All banks and financial institutions in the G10 countries intend to incorporate the Basel II Accord through local regulators. A high possibility of the earlier accord being replaced by Basel II in the other countries also exists. The European Union is the first adopter of this accord, and the recommendations of this accord are being integrated into a new EU directive. Additionally, the European Commission intends to apply this accord to all investments, businesses and credit institutions. The accordÆs adoption in other continents like Australia, Asia and in North and South America would be phased-in. Adoption would depend primarily upon proposals submitted by the respective regulatory authorities on implementation of the accord. The accordÆs scope of application includes banks and enterprises involved in securitization and with long-term equity holdings such as private equity and venture capital. It will also apply to all the parent and subsidiary companies of banking groups. Basel II is applicable to organizations offering the following financial services: 1. Corporate Finance 2. Retail Banking 3. Asset Management 4. Trading and Sales 5. Payments and Settlements 6. Commercial Banking 7. Retail Brokerage 8. Agency and Custodial Services Basel II facilitates data and system integration across banking groups. Organizations will be required to adopt the implementation of the accordÆs requirements to maintain consistency across the board. THE IMPACT AND CHALLENGES OF BASEL II Major banks and financial institutions in Europe and the United States have already started incorporating Basel II as part of their systems. The effect in the G-10 countries, where the Accord is still being analyzed, will lead to a further regulation of banks, insurance and investment agencies.Japan, along with many developing economies, may be affected due to a lack of transparency in their banking sector. The new accord will
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Kohl Mynah Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Kohl Mynah Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Kohl Mynah Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Kohl Mynah Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Kohl Mynah Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Kohl Mynah Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Kohl Mynah Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs.
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