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Capital Adequacy
APRA Asks ADIs, Insurers to Suspend Dividends, Cash Bonuses
By Editors | 07/04/2020
Where Boards are confident they can approve a dividend on the basis of robust stress testing results that have been discussed with APRA, it should be at a “materially reduced level”.
Structural Regulation
In-Depth: Making Sense of Digital Bank Policy
By Jamie Lloyd Evans | 07/04/2020
Industry veteran Jamie Lloyd Evans takes a detailed look at digital banking regimes in Asia, and the stated – and unstated – motivations behind them.
Credit Risk
Singapore Govt to Increase Risk Share on SME Loans
By Editors | 06/04/2020
The government will increase its risk share of loans made under existing loan financing schemes from 80% to 90%, for loans initiated from 8 Apr until 31 Mar 2021.
Credit Risk
HKMA Sets Out Treatment of Loans Under 100% Guarantee Scheme
By Editors | 06/04/2020
IRB AIs should seek the HKMA’s exemption approval to apply the standardised approach for SME loans granted under the 100% Guarantee Scheme.
Operational Risk
RBI Reduces Market Hours to Curb Volatility
By Editors | 06/04/2020
During India’s lockdown, currency, bond and money markets will operate for only 4 hours. SEBI has also brought forward the cut-off times for the mutual fund industry.
Credit Risk
Japan: Corporates to Get Financial Support, Easier Write Down Rules
By Editors | 06/04/2020
The FSA will convene a joint council of key industry bodies to agree on easier write-down rules, while the government prepares an aid package for large corporates.
Liquidity Risk
Bangladesh Announces Measures to Aid Businesses Through Lockdown
By Editors | 06/04/2020
Under a $7.9bn stimulus plan, banks will distribute working capital loans with the interest cost to businesses partly subsidised by the government.
Credit Risk
Vietnam Banks Offered Incentives to Aid Businesses
By Editors | 06/04/2020
About 11% of total outstanding loans in the banking system are estimated to not be paid as scheduled due to the coronavirus pandemic.
Credit Risk
BCBS Issues Guidance on Treatment of Loans Under Relief
By Editors | 05/04/2020
IFRS 9 should be applied flexibly rather than mechanistically when estimating ECL, and payment moratorium periods can be excluded from the counting of days past due.
Liquidity Risk
HKMA Frees Up Regulatory Reserves, Liquidity Buffers for Banks
By Editors | 05/04/2020
Regulatory reserves held against possible credit losses will be reduced by half. Banks are encouraged to use liquidity buffers built up under the LCR and LMR regimes.
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