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Basel III: Navigating Business and Risk Technology Architecture Decisions

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27 June 2011
Cubillas Ding

Abstract

Firms should chart a clear view of what they want to achieve to support an evolutionary path towards end game risk management capabilities before building, selecting, or blending Basel toolsets.

In its third installment, Basel regulation’s bank capital requirements have become increasingly onerous and "additive" because more types of risks and capital buffers have to be taken into account. Even against a backdrop of global regulatory reforms, Basel III solvency and liquidity regulations will represent one of the largest drivers of industry economics for the banking world in this coming decade. From operational overheads, leverage constraints and a capital lock-in perspectives, Celent expects banking organizations’ return on equity to be negatively impacted by as much as 3–5%.

In this report, Basel III: Navigating Business and Risk Technology Architecture Decisions, Celent examines the elements required to ensure an sufficient level of preparedness at this "early" juncture and the road ahead for financial institutions and technology solution providers. As firms navigate this regulatory chessboard of options and rules, they need to bear in mind business and risk management imperatives, as well as avoiding being "too far behind" in their IT strategy and architectural considerations.

"With turbulent headwinds in markets and constraints in capital already prevalent, we are seeing firms face greater pressures to optimize and align Basel III investments and delivery in order to draw value-added capabilities for the institution," says Cubillas Ding, Research Director at Celent and author of the report.

Continuing on Celent’s series on Basel III and risk, this report assesses the road ahead for financial institutions, compares and contrasts the current and emerging Basel regimes, and provides recommendations for firms to navigate this transition from a strategic business and technology perspective.

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