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  1. 2 Bezpieczny Bank

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  1. 1 Borsuk M.

  2. 1 Pawłowicz L.

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  1. 2 2015

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Reflections about Too Big to Fail Banks and Moral Hazard

100%
Pawłowicz L.
Bezpieczny Bank
|
2015
|
issue 3 (60)
78-88
EN
Several reflections and suggestions concerning the planned regulations aimed at limiting moral hazard done by TBTF banks were presented in this article. The scope of reflection is mainly the effectiveness of implementation of a resolution regime. To allow effective implementation of the resolution process probably the TLAC (Total Loss Absorbing Capacity) mechanism will be used. The mechanism will, according to the author, probably start the division of TBTF banks due to additional capital restrictions. If the division mechanism of two banks from the G-SIB group were to start it would be enough to be moderately optimistic when it comes to limiting moral hazard in banking.
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Adequate Loss-absorbing Capacity in the Resolution Process

100%
Borsuk M.
Bezpieczny Bank
|
2015
|
issue 3 (60)
54-77
EN
The recent financial crisis had a turbulent onset when professional institutional investors decided to withdraw their funding from banks, sparked by fear of credit losses and unmanageable capital requirements in, most notably, the investment portfolios of these banks. In recent years regulators developed a comprehensive set of reform measures aiming to improve the banking sector's ability to absorb shocks arising from financial and economic stress, improve risk management and governance, strengthen banks' transparency and disclosures. At the same time, steps were taken to better prepare for the event of a gone concern situation: recovery plans and resolution plans were drafted by banks and regulators respectively. For G-SIBs, on top of these plans, additional loss absorbing capacity is needed to ensure that, in case of a default, these financial institutions can be resolved in an orderly manner without taxpayer support. The purpose of this article is to present recent regulatory initiatives in the field of loss-absorbing capital buffers and their impact on banks' capital structure and cost of financing.
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