In transitional period, it is a practical choice for commercial banks taken into consideration changes in industrial policy, trends in sectoral development and the advantages and disadvantages of businesses in decisions concerning asset pricing and capital allocation. B. It is crucial to cultivating potential customers and generating profits that the commercial banks to take full advantage of risk pricing and differentiate customers.
In other words, ladies and gentlemen, what has changed is the composition of capital to improve its loss absorbing capacity. I have been asked why we appear to be in a hurry to implement Basel 3. It’s true we are ahead of the Basel timeframe of 2019, but we are actually behind our EMEAP counterparts. (Australia and NZ have implemented in full in 2013.)