Análise dos possíveis impactos causados pelo acordo de Basileia III as Instituições Financeiras

Abstract

The work depicts one of the most recent regulations imposed on banks, known as the Basel III agreement, which enhances the structure and the capital requirements applicable to financial institutions so that they can absorb losses from shocks of the financial system itself or the other sectors of the economy. Your goal is to check on the main approaches of other studies which will be the possible effects on the financial institutions and so a qualitative way to present results about the real impacts in the perception of professionals working in the financial market. Among the main specific objectives was to identify what are the requirements of Basel Accord I, II and III and assess the possible impacts on the following: capital adequacy, profitability, market / competition, credit, risk management, liquidity, leverage and efficiency. We used qualitative research as a research strategy and employed as collecting data, conducting interviews unstructured 5 employees of the financial market. As the main results found in the common perception of respondents, it can be concluded that the requirements of Basel III will entail major changes in the banks, it will be necessary to create effective internal management models to ensure competitive advantage over others. The search for constant improvement in their levels of efficiency and new strategies for profit in which does not involve capital will be the big new strategies to maintain profitability.