Basel III meaning

This timeline outlines key developments relating to the Capital Requirements Directive IV (Directive 2013/36/EU) (CRD IV) and the Capital Requirements Regulation (EU) 575/2013 (EU CRR) from January 2024 onwards. For earlier developments, see: Capital Requirements Directive IV (CRD IV) and Capital Requirements Regulation (CRR)-timeline [Archived]. 2026 8 May 2026 - EBA The EBA consults on amendments to the RTS on the assignment of risk weights to specialised lending exposures under the Supervisory Slotting Criteria Approach. Consultation on Regulatory technical standards on specialised lending exposures. The European Banking Authority (EBA) is seeking views on proposed changes to its regulatory technical standards (RTS) governing how risk weights are allocated to specialised lending under the Supervisory Slotting Criteria Approach (SSCA). The update reflects revisions introduced by the Capital Requirements Regulation (EU) 2024/1623 (EU CRR3) and is intended to improve the framework’s risk sensitivity, clarity and usability. Collectively, the RTS pursue a harmonised and sound prudential treatment of specialised lending exposures under the SSCA...

In this issue: Banking and Finance case round-up Lending Security Debt capital markets Derivatives Regulation for derivatives lawyers Securitisation and structured products Restructuring Technology in banking & finance transactions Regulation for banking lawyers Scotland Daily and weekly news alerts New and updated content Useful information Banking and Finance case round-up Banking & Finance—November 2024 case round-up For a summary of the cases we flagged in Banking & Finance during October 2024, refer to News Analysis: Banking & Finance—November 2024 case round-up. Lending Re KRF Services (UK) Ltd [2024] EWHC 2978 (Ch) The judgment addressed a High Court application for an administration order, heard in that court, and centred on two key points of interest: (i) whether the sole director’s resolution to seek an administration order was effective; and (ii) the effect of the sanctions regime. On the first question, the court examined the company’s unamended Model...

In this issue: UK, EU and international regulators and bodies Prudential requirements Operational resilience Financial crime and sanctions Complaints, compensation and claims management Investigations, enforcement and discipline Regulation of derivatives Sustainable finance and ESG Banks and mutuals UK MiFID II Consumer credit, mortgage and home finance Regulation of insurance Payment services and systems Fintech and cryptoassets Dates for your diary Financial Services Enforcement Database New and updated content Daily and weekly news alerts Intraday news alerts LexTalk®Financial Services: a Lexis®Nexis community UK, EU and international regulators and bodies FSCS confirms unchanged levy for 2025/26 and provides early forecast for 2026/27 The Financial Services Compensation Scheme (FSCS) has issued its latest Outlook levy update for 2025/26, stating the levy will hold at £356m—as projected in May 2025—with no further levy anticipated for firms across the rest of this financial year. A preliminary view for...

In this issue: Commercial Competition Corporate Data protection and cybersecurity Free movement, immigration and employment Financial services Energy Environment Life sciences Regulatory TMT International trade Daily and weekly news alerts New and updated content Trackers Commercial Commission consults on evaluation of market surveillance regulation The European Commission has launched a consultation to assess and, if needed, update the Market Surveillance Regulation (EU) 2019/1020. It aims to strengthen the operation of the single market by boosting compliance with EU product harmonisation rules, with any amendments scheduled for Commission adoption in Q3 2026. The consultation closes on 4 February 2026. See: LNB News 12/11/2025 22. Commission consults on New Legislative Framework revision The Commission’s Directorate-General for Internal Market, Industry, Entrepreneurship and SMEs (DG GROW H4) has opened a consultation to underpin the revamp of the New Legislative Framework (NLF) governing product law, seeking to capture stakeholder views on...

Banking regulation—Singapore—Q&A guide This Practice Note provides a jurisdiction-specific Q&A guide to banking regulation in Singapore, published as part of the Lexology Getting the Deal Through series by Law Business Research (Law stated at: 17 January 2023). Authors: WongPartnership LLP—Elaine Chan; Chan Jia Hui 1. What are the principal governmental and regulatory policies that govern the banking sector? Robust local banks remain central to Singapore’s banking landscape, and the policy of preserving domestic banks’ share of total resident deposits at not less than 50% continues unchanged. In view of their systemic significance to the Singapore economy and financial system, local banks must meet capital adequacy standards that exceed Basel III requirements. Alongside this, the government has progressively liberalised the industry to encourage greater participation by foreign banks in wholesale and retail banking, fostering dynamism and innovation. This phased liberalisation has resulted in the award of qualifying full bank (QFB) licences to 10 foreign banks, enabling them to carry out retail banking. ...

ARCHIVED This Practice Note is archived and not maintained. This flashcard supports absorption and recall of the key points on implementing the EU’s 2021 proposals to revise the Capital Requirements Regulation (EU) 575/2013 (EU CRR) and Directive 2013/36/EU (EU CRD IV), referred to as EU CRR III and CRD VI, alongside the separate ‘daisy chain’ proposal. The measures are intended to complete the EU’s implementation of the internationally agreed Basel III standards, enhancing banks’ resilience to potential economic shocks. What were the proposals? The European Commission’s ‘banking package 2021’, adopted on 27 October 2021, comprised: a proposed directive amending EU CRD IV on supervisory powers, sanctions, third‑country branches, and environmental, social and governance risks, and amending the Bank Recovery and Resolution Directive 2014/59/EU (EU BRRD) (EU CRD VI) a proposed regulation updating the EU CRR on requirements for credit risk, credit valuation adjustment risk, operational risk, market risk and the output floor (EU CRR III) a separate proposed regulation amending the EU...

Loan market and developments Moody’s retains a ‘stable’ outlook for Bermuda’s banking sector, reflecting contingent liability risk linked to the island’s sizeable banking system. The agency notes that Bermuda’s very strong institutional framework, very high per capita income and robust external position are fundamental credit strengths that enhance the jurisdiction’s resilience to prospective shocks. The Bermuda Monetary Authority confirms that, as at September 2024, banks’ capital adequacy sits comfortably above Basel III minima, with the sector reporting: a risk asset ratio of 25.6%; a common equity tier 1 capital ratio of 24.2%; a leverage ratio of 7.7%. Looking ahead, no significant changes are anticipated to Bermuda’s banking or contract laws. Basel III regulatory standards have now been fully phased in, including the Liquidity Coverage Ratio, the Capital Conservation Buffer and the Net-Stable Funding Ratio requirements...