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Lecture Legal and regulatory aspects of banking supervision – Chapter 21

The following will be discussed in this chapter: Foundations of a sound supervisory system, supervisory powers, institutional pre-conditions for dealing with weak banks, identification of weak banks, supervision methods for identification of weak banks. | MBF-705 LEGAL AND REGULATORY ASPECTS OF BANKING SUPERVISION OSMAN BIN SAIF Session: TWENTY ONE Summary of previous Session What are Weak Banks? Mandate of Basel Committee Task force Supervisory objectives for Dealing with Weak Banks Guidelines and Principles for dealing with weak banks Symptoms and causes of bank problem Result of loose supervision To the external environment 2 Agenda of this Session Foundations of a Sound supervisory system Supervisory Powers Institutional pre-conditions for dealing with weak banks Identification of weak Banks Supervision Methods for identification of weak banks 3 Foundations of a Sound Supervisory System The Basel Core Principles for Effective Banking Supervision and its Methodology set out the necessary foundations of a sound supervisory system. They are also crucial in preventing and dealing with weak banks. 4 Supervisory Powers In essence and to be effective, laws must provide for or supervisors must be given powers to set and/or require: . | MBF-705 LEGAL AND REGULATORY ASPECTS OF BANKING SUPERVISION OSMAN BIN SAIF Session: TWENTY ONE Summary of previous Session What are Weak Banks? Mandate of Basel Committee Task force Supervisory objectives for Dealing with Weak Banks Guidelines and Principles for dealing with weak banks Symptoms and causes of bank problem Result of loose supervision To the external environment 2 Agenda of this Session Foundations of a Sound supervisory system Supervisory Powers Institutional pre-conditions for dealing with weak banks Identification of weak Banks Supervision Methods for identification of weak banks 3 Foundations of a Sound Supervisory System The Basel Core Principles for Effective Banking Supervision and its Methodology set out the necessary foundations of a sound supervisory system. They are also crucial in preventing and dealing with weak banks. 4 Supervisory Powers In essence and to be effective, laws must provide for or supervisors must be given powers to set and/or require: Comprehensive rules for the licensing of banks, for permitting new major activities, acquisitions or investments by banks and for ownership changes in banks. 5 Supervisory Powers (Contd.) Prudential rules or guidelines for banks, such as norms and limits on capital, liquidity, connected lending and loan concentrations, and powers to enforce a range of penalties when prudential requirements are not met. 6 Supervisory Powers (Contd.) Requirements for internal controls and risk management systems in banks consistent with the strategy, complexity and scale of the business. This includes policies and procedures for the identification, reporting, monitoring and managing of all the various risks inherent in banking activities. 7 Supervisory Powers (Contd.) Requirements for effective corporate governance in banks. Good governance can be further enhanced by appropriate incentives for managers to maintain good credit and risk management practices and internal control procedures and systems, and by .