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Outside the U.S., usually supervisors require all banks to comply with the new Basel II, but banks provide an option the choice between different approaches to calculating credit and operational requirements for venture capital. For banks in the United States only the most large and active international banks to comply with Basel II, but they just follow the approaches developed for the calculation of credit and risk requirements Operating capital (IRB methods AMA only).
In the United States There are 4 agencies involved in Basel II, the interpretations and implementation: the Office of the Comptroller Currency (OCC), the Board of Governors of the Federal Reserve System (Board), the Federal Deposit Insurance Corporation (FDIC) and Office of Thrift Supervision (OTS).
These 4 agencies have identified 3 groups of banks (this is unique in the United Kingdom United States does not is the group and in the newspapers Basel II):
1. Banks CORE (The term "banks" includes banks, associations savings and BHC – Bank Holding Companies).
This internationally active banks are large. They have to accept for advanced approaches. These modern approaches to provide more incentives for banks to improve their practices for risk management.
Core Banks must meet one of the following two threshold independent criteria:
A. 250 billion U.S. dollars or more consolidated total assets. B. 10 billion U.S. dollars or more generally, balance sheet exposure to foreign data.
2. Opt-in banks
These are banks that voluntarily adopt advanced approaches.
3. GENERAL BANKS
Other banks that adopt advanced approaches
Foreign banks (banks outside dollars) with U.S. subsidiary
Subsidiary of a foreign bank is subject to U.S. regulatory capital requirements of U.S. to Internal Market the property of the U.S. Dis. If the subsidiary of a foreign bank in the United States meets all threshold criteria, is a major bank and is the subject of approaches developed.
If the foreign bank branch in the U.S. not meet any of the threshold criteria, the DI is common SU Bank (unless you choose to opt in advanced approaches).
Conclusion
There are significant differences in implementing Basel II framework in the United States and other world countries.
Basel II applies only to a limited number of institutions in the United States.
Most discussions of the need From
A. Existing international institutions:
1. Adopt more advanced risk-sensitive approach to the most important part of their portfolios.
2. You can apply a simplified approach to a limited portion of their portfolio.
B. General Banking:
1. Submission of standardized approach.
2. Avoiding a disadvantage as the Basel Accord and banks and Basel II.
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