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Magical cash Can't Fix Europe's Banks

Spain's largest lender says it has found a approach to raise 4 billion euros overnight. The country's second largest lender claims it can pull 2. 1 billion euros out of a hat. But, as most of us learned as children, money will not appear in the wave of a magic wand.

They'll just have distinct numbers within their spreadsheets. To fulfill the spirit of the law, banks would need to either raise new capital by selling assets and tapping shareholders, or they would have to curtail their lending. Regulations on capital ratios are an vital part of the Basel Accords, which set international banking standards. For Europe's regulatory standards to work, regulators need to specify positive ranges of assumptions thin they will accept as reasonable and force banks to change or justify formulas that imply too-rosy scenarios. To fulfill the spirit of the law, banks would call for to either raise new capital by selling assets and tapping shareholders, or they would have to curtail their lending. business insiders have unique expertise regarding how their companies the truth is work, and can offer useful and necessary critiques.

Regulations on capital ratios are an essential part of the Basel Accords, which set international banking standards. , capitalization rules have also been an essential topic of discussion recently, as banking executives, notably JPMorgan Chase CEO Jamie Dimon, have argued that the Basel III standards discriminate against American banks. In a second round of tests last summer, Europe's banks blithely assumed that no nation on the continent would default on its sovereign debt, even as Greece was already on the verge of Doing just that. The thought that troubles might be assumed out of existence is a massive part of what allowed the global monetary crisis to obtain so large and last so long. "Regulators demand to work with the industries they monitor.

But the results lacked credibility and carried out little. The banks' announcements came in response to an order from European regulators last month that demands banks to significantly improve their ratios of core capital to potentially risky assets by June. The two Spanish banks, Banco Santander and Banco Bilbao Vizcaya Argentaria (BBVA), won't in fact be any richer due to their plans. Making assumptions that are obviously unrealistic simply puts off real change and undermines the public's trust that change will come. The risk is that It is counterproductive, due to the fact There is even significantly less faith in what the banks are telling you. S.

In a second round of tests last summer, Europe's banks blithely assumed that no nation on the continent would default on its sovereign debt, even as Greece was already on the verge of Doing just that. Following the United States' highly successful "stress tests" in 2009, Europe attempted a similar move toward transparency. The banks' announcements came in response to an order from European regulators last month that requires banks to a lot improve their ratios of core capital to potentially risky assets by June. business insiders have special expertise regarding how their businesses the reality is work, and can offer useful and necessary critiques. The banks, therefore, have to make authentic and visible efforts to strengthen their capital base.

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