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  • 标题:THE CAPITAL ADEQUACY RATIO ON THE MACEDONIAN BANKING SYSTEM AFTER BASEL III IMPLEMENTATION
  • 本地全文:下载
  • 作者:Evica Delova Jolevska Phd, Ilija Andovski Msc
  • 期刊名称:Ekonomika, Journal for Economic Theory and Practice and Social Issuses
  • 印刷版ISSN:0350-137X
  • 电子版ISSN:2334-9190
  • 出版年度:2013
  • 期号:57
  • 页码:72-80
  • 出版社:Society of Economists Ekonomika, Nis
  • 摘要:The aim of this paper is to elaborate the impact of the new Basel III rules of the capital position on Macedonian banks and their activities. Having in mind the characteristics of the banking system, although Basel III still isn't at force in Macedonia, this paper will analyze its impact on the CAR on banks. The financial crises showed that the bank’s resistance to crises is very fragile and two main issues were recovered that should be enhanced: the capital strength of the banking system and the liquidity position. As a result of the identified weaknesses of the regulatory framework the Basel Committee acceded to revision of the Basle II principles. The main question is will the new regulatory framework enhance the resilience of the banking system and how these changes will affect the business model of banks. Off course the effectiveness of the new framework depends on the decision of national regulators and legislation in different countries and regions. Having in mind the aim of this paper, the implications from Basel III regarding quality and quantity of the capital that is required will be analyzed on Macedonian banks on individual level. Key words: Basel III, capital adequacy, banking system, Macedonia
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