Forwarded from Disclose.tv
JUST IN - 3 dead, 6 injured after stabbing attack in Würzburg, Germany. The suspect was taken into custody.
@disclosetv
@disclosetv
Forwarded from Disclose.tv
JUST IN - Louisiana Gov. John Bel Edwards vetoed a Constitutional Carry bill that would allow citizens concealed carry in Louisiana without a permit.
@disclosetv
@disclosetv
Forwarded from il Donaldo Trumpo (il Donaldo Trumpo)
Joe Rogan knows...
https://youtu.be/NHNo3X2mg2w
https://youtu.be/NHNo3X2mg2w
YouTube
Joe Rogan knows...
Join our Amazing Patrioto Familia at http://www.ildonaldo.com
We have fun during the day with funny postos, videos and good news. And at night before going to sleep we even share Thoughts and Prayers. A REAL COMMUNITY OF UPLIFTING BEAUTIFUL PATRIOTOS!!!…
We have fun during the day with funny postos, videos and good news. And at night before going to sleep we even share Thoughts and Prayers. A REAL COMMUNITY OF UPLIFTING BEAUTIFUL PATRIOTOS!!!…
Forwarded from Free The Will Patriots [FTW] (MaQaveli)
Understanding Basel III
Basel III, which is alternatively referred to as the Third Basel Accord or Basel Standards, is part of the continuing effort to enhance the international banking regulatory framework. It specifically builds on the Basel I and Basel II documents in a campaign to improve the banking sector's ability to deal with financial stress, improve risk management, and promote transparency. On a more granular level, Basel III seeks to strengthen the resilience of individual banks in order to reduce the risk of system-wide shocks and prevent future economic meltdowns.
https://www.investopedia.com/terms/b/basell-iii.asp
Key Principles of Basel III
1. Minimum Capital Requirements
The Basel III accord raised the minimum capital requirements for banks from 2% in Basel II to 4.5% of common equity, as a percentage of the bank’s risk-weighted assets. There is also an additional 2.5% buffer capital requirement that brings the total minimum requirement to 7%. Banks can use the buffer when faced with financial stress, but doing so can lead to even more financial constraints when paying dividends.
As of 2015, the Tier 1 capital requirement increased from 4% in Basel II to 6% in Basel III. The 6% includes 4.5% of Common Equity Tier 1 and an extra 1.5% of additional Tier 1 capital. The requirements were to be implemented starting in 2013, but the implementation date has been postponed several times, and banks now have until January 1, 2022, to implement the changes.
2. Leverage Ratio
Basel III introduced a non-risk-based leverage ratio to serve as a backstop to the risk-based capital requirements. Banks are required to hold a leverage ratio in excess of 3%. The non-risk-based leverage ratio is calculated by dividing Tier 1 capital by the average total consolidated assets of a bank.
To conform to the requirement, the Federal Reserve Bank of the United States fixed the leverage ratio at 5% for insured bank holding companies, and at 6% for Systematically Important Financial Institutions (SIFI).
3. Liquidity Requirements
Basel III introduced the usage of two liquidity ratios – the Liquidity Coverage Ratio and the Net Stable Funding Ratio. The Liquidity Coverage Ratio requires banks to hold sufficient highly liquid assets that can withstand a 30-day stressed funding scenario as specified by the supervisors. The Liquidity Coverage Ratio mandate was introduced in 2015 at only 60% of its stated requirements and is expected to increase by 10% each year till 2019 when it takes full effect.
On the other hand, the Net Stable Funding Ratio (NSFR) requires banks to maintain stable funding above the required amount of stable funding for a period of one year of extended stress. The NSFR was designed to address liquidity mismatches and will start becoming operational in 2018.
https://corporatefinanceinstitute.com/resources/knowledge/finance/basel-iii/
Impact of Basel III
The requirement that banks must maintain a minimum capital amount of 7% in reserve will make banks less profitable. Most banks will try to maintain a higher capital reserve to cushion themselves from financial distress, even as they lower the number of loans issued to borrowers. They will be required to hold more capital against assets, which will reduce the size of their balance sheets.
Basel III, which is alternatively referred to as the Third Basel Accord or Basel Standards, is part of the continuing effort to enhance the international banking regulatory framework. It specifically builds on the Basel I and Basel II documents in a campaign to improve the banking sector's ability to deal with financial stress, improve risk management, and promote transparency. On a more granular level, Basel III seeks to strengthen the resilience of individual banks in order to reduce the risk of system-wide shocks and prevent future economic meltdowns.
https://www.investopedia.com/terms/b/basell-iii.asp
Key Principles of Basel III
1. Minimum Capital Requirements
The Basel III accord raised the minimum capital requirements for banks from 2% in Basel II to 4.5% of common equity, as a percentage of the bank’s risk-weighted assets. There is also an additional 2.5% buffer capital requirement that brings the total minimum requirement to 7%. Banks can use the buffer when faced with financial stress, but doing so can lead to even more financial constraints when paying dividends.
As of 2015, the Tier 1 capital requirement increased from 4% in Basel II to 6% in Basel III. The 6% includes 4.5% of Common Equity Tier 1 and an extra 1.5% of additional Tier 1 capital. The requirements were to be implemented starting in 2013, but the implementation date has been postponed several times, and banks now have until January 1, 2022, to implement the changes.
2. Leverage Ratio
Basel III introduced a non-risk-based leverage ratio to serve as a backstop to the risk-based capital requirements. Banks are required to hold a leverage ratio in excess of 3%. The non-risk-based leverage ratio is calculated by dividing Tier 1 capital by the average total consolidated assets of a bank.
To conform to the requirement, the Federal Reserve Bank of the United States fixed the leverage ratio at 5% for insured bank holding companies, and at 6% for Systematically Important Financial Institutions (SIFI).
3. Liquidity Requirements
Basel III introduced the usage of two liquidity ratios – the Liquidity Coverage Ratio and the Net Stable Funding Ratio. The Liquidity Coverage Ratio requires banks to hold sufficient highly liquid assets that can withstand a 30-day stressed funding scenario as specified by the supervisors. The Liquidity Coverage Ratio mandate was introduced in 2015 at only 60% of its stated requirements and is expected to increase by 10% each year till 2019 when it takes full effect.
On the other hand, the Net Stable Funding Ratio (NSFR) requires banks to maintain stable funding above the required amount of stable funding for a period of one year of extended stress. The NSFR was designed to address liquidity mismatches and will start becoming operational in 2018.
https://corporatefinanceinstitute.com/resources/knowledge/finance/basel-iii/
Impact of Basel III
The requirement that banks must maintain a minimum capital amount of 7% in reserve will make banks less profitable. Most banks will try to maintain a higher capital reserve to cushion themselves from financial distress, even as they lower the number of loans issued to borrowers. They will be required to hold more capital against assets, which will reduce the size of their balance sheets.
Investopedia
Basel III: What It Is, Capital Requirements, and Implementation
Basel III is a set of reform measures intended to improve regulation, supervision, and risk management in the international banking sector.
Forwarded from Disclose.tv
JUST IN - "UFO report" has been released.
Spoiler: 9 pages of hot air, not worth reading.
https://www.dni.gov/index.php/newsroom/press-releases/press-releases-2021/item/2223-UAP
@disclosetv
Spoiler: 9 pages of hot air, not worth reading.
https://www.dni.gov/index.php/newsroom/press-releases/press-releases-2021/item/2223-UAP
@disclosetv
Forwarded from ARMYGIRL ✨✨✨
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Forwarded from MJTruth (MJTruth (CandlesInTheNight))
🚨 John McAfee Killswitch
CONTINGENCY PLAN ACTIVATED
Ok….
On disclose Tv, someone posted a connection between an old tweet from
John McAfee, about him having data and if something happened to him, people in other countries will release the data. One person he named specifically “Britbonglogpost”
https://www.disclose.tv/t/contingency-plan-activated-mcafee/35832
Interestingly enough, put that name into a website… it was up earlier today… it’s been immediately taken down. 404 error
https://britbonglogpost.com
Luckily, someone archived it on web.archive.org today 😉 😉
Archived Countdown here 👇
https://web.archive.org/web/20210625002901/https://britbonglogpost.com/
The archived version shows John McAfee & CONTINGENCY PLAN ACTIVATED with a countdown and an ether wallet. Click it… $Wackd
"All the right people are scared. They should be."
WOOOOOOOOOOOOOOO!
CONTINGENCY PLAN ACTIVATED
Ok….
On disclose Tv, someone posted a connection between an old tweet from
John McAfee, about him having data and if something happened to him, people in other countries will release the data. One person he named specifically “Britbonglogpost”
https://www.disclose.tv/t/contingency-plan-activated-mcafee/35832
Interestingly enough, put that name into a website… it was up earlier today… it’s been immediately taken down. 404 error
https://britbonglogpost.com
Luckily, someone archived it on web.archive.org today 😉 😉
Archived Countdown here 👇
https://web.archive.org/web/20210625002901/https://britbonglogpost.com/
The archived version shows John McAfee & CONTINGENCY PLAN ACTIVATED with a countdown and an ether wallet. Click it… $Wackd
"All the right people are scared. They should be."
WOOOOOOOOOOOOOOO!
Forwarded from World Doctors Alliance
Stop this madness NOW!!! What happened to the precautionary principle? https://www.dailymail.co.uk/news/article-9720151/FDA-add-warning-Pfizer-Moderna-vaccines.html
Mail Online
FDA will add warning to Pfizer and Moderna vaccines after CDC said there's a 'likely link' between the vaccines and a rare heart…
The FDA will add a warning to the Pfizer and Moderna vaccines after the CDC said there is a 'likely link' between them and cases of heart inflammation in teens and young adults.
Forwarded from tC
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"Within hours, turned around; within days, immense improvement."
A doctor's personal experience with ivermectin, from the excellent report by @IvoryHecker, to be found here (earphones might be needed): https://www.bitchute.com/video/rvccR4Tg6fRS/
A doctor's personal experience with ivermectin, from the excellent report by @IvoryHecker, to be found here (earphones might be needed): https://www.bitchute.com/video/rvccR4Tg6fRS/
Forwarded from White Hats
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Forwarded from Melania Is Not [FAKE]
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Forwarded from Melania Is Not [FAKE]
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Forwarded from General Flynn ️
"The government will one day be corrupt and filled with liars, and the people will flock to the one who tells the truth."
-Thomas Jefferson
-Thomas Jefferson
Forwarded from Silence DoGood, MBA
Anyone know how to make sausage and gravy? Here's a little recipe I'm making for the family tonight 🤠