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Bank Capital and Loan Pricing: Implications of Basle II

In: Frontiers of Banks in a Global Economy

Author

Listed:
  • Ted Lindblom
  • Magnus Olsson

    (University of Gothenburg)

Abstract

For a long period of time, the regulation of banking activities was top-down and highly centralized. Major decisions were in principle determined independently by regulators, with little involvement by bank management. After deregulation, which occurred in the 1980s in most European countries, regulations were relaxed and even abolished in many areas. The overall aim was to open up for decentralized decision-making in a competitive environment. Conservative regulation should be replaced with good management and sound risk appetite in banks by creating a competitive arena, directed towards both customers as well as investors. However, not all bank regulations were removed. On the contrary, at the end of the 1980s the first Basle Capital Accord, Basle I, was launched by the Bank for International Settlement (BIS).

Suggested Citation

  • Ted Lindblom & Magnus Olsson, 2008. "Bank Capital and Loan Pricing: Implications of Basle II," Palgrave Macmillan Studies in Banking and Financial Institutions, in: Philip Molyneux & Eleuterio Vallelado (ed.), Frontiers of Banks in a Global Economy, chapter 4, pages 78-102, Palgrave Macmillan.
    • Handle: RePEc:pal:pmschp:978-0-230-59066-3_4
    DOI: 10.1057/9780230590663_4
    as

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