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Basel II and the associated uncertainties for banking practices
Mid Sweden University, Faculty of Human Sciences, Department of Business, Economics and Law.
2016 (English)In: Qualitative Research in Financial Markets, ISSN 1755-4179, E-ISSN 1755-4187, Vol. 8, no 3, 229-245 p.Article in journal (Refereed) Published
Abstract [en]

Purpose

This paper aims to explore uncertainties in the interaction between Basel II and banking practices.

Design/methodology/approach

The research setting is a centralized bank’s risk control organization and its commercial lending operations. The bank, despite its early adoption of the Basel II Accord, experienced severe credit losses during the global financial crisis. The data consist of interviews with twelve decision-makers and risk specialists at the bank and interviews with four professionals outside the bank after the global financial crisis.

Findings

This paper finds that there are three types of uncertainties in the interaction between Basel II and banking practices. The paper also describes corroborative examples of efforts to reduce such uncertainties. Among such efforts, the decision-makers excluded the risk specialists from decision-making and decentralized decision-making to branch offices.

Research limitations/implications

Although the literature generally portrays bank decision-makers and risk specialists as opposing groups, this research finds that the bank interviewees present complementary and confirmatory accounts on three types of uncertainties.

Practical implications

The findings suggest that increased regulatory pressure have operational implications for banking practices.

Originality/value

The paper has contemporary relevance with its sole focus on credit risk after the transition period provided for Basel II Accord.

Place, publisher, year, edition, pages
Emerald Group Publishing Limited, 2016. Vol. 8, no 3, 229-245 p.
Keyword [en]
Bank, Basel II, Commercial credits, Sweden, Global financial crisis
National Category
Business Administration
Identifiers
URN: urn:nbn:se:miun:diva-27860DOI: 10.1108/QRFM-02-2016-0007ISI: 000394170000004Scopus ID: 2-s2.0-84982924126OAI: oai:DiVA.org:miun-27860DiVA: diva2:935127
Available from: 2016-06-10 Created: 2016-06-10 Last updated: 2017-05-16Bibliographically approved
In thesis
1. Bank risk management: How do bank employees deal with risk at the strategic and operational levels?
Open this publication in new window or tab >>Bank risk management: How do bank employees deal with risk at the strategic and operational levels?
2017 (English)Doctoral thesis, comprehensive summary (Other academic)
Place, publisher, year, edition, pages
Sundsvall: Mid Sweden University, 2017. 140 p.
Series
Mid Sweden University doctoral thesis, ISSN 1652-893X ; 263
Keyword
Banks, Bank employees, Bank lending, Risk management, the Basel Accords, Global financial crisis, Banker, Bankanställda, Basel-standarden, den globala finanskrisen, Kreditgivning, Riskhantering
National Category
Business Administration
Identifiers
urn:nbn:se:miun:diva-30734 (URN)978-91-88527-16-5 (ISBN)
Public defence
2017-06-05, M102, Holmgatan 10, Sundsvall, 13:15 (Swedish)
Opponent
Supervisors
Note

Vid tidpunkten för disputationen var följande delarbete opublicerat: delarbete 3 accepterat.

At the time of the doctoral defence the following paper was unpublished: paper 3 accepted.

Available from: 2017-05-17 Created: 2017-05-16 Last updated: 2017-06-14Bibliographically approved

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CiteExportLink to record
Permanent link

Direct link
Cite
Citation style
  • apa
  • ieee
  • modern-language-association-8th-edition
  • vancouver
  • Other style
More styles
Language
  • de-DE
  • en-GB
  • en-US
  • fi-FI
  • nn-NO
  • nn-NB
  • sv-SE
  • Other locale
More languages
Output format
  • html
  • text
  • asciidoc
  • rtf