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Does increasing the stringency of capital regulation affect bank pricing policy?
In December 2010, the Basel Committee on Banking Supervision (BCBS) announced extensive reforms to strengthen the resilience of the financial system, reforms known as Basel III. Following the implementation of Basel III, the minimum capital requirements effectively rose from 8% to 10.5%,
[1] and with all the additional buffers the capital requirements could exceed 20%. This enhanced the stability and resilience of banks. Over time, the debate surrounding the gradual implementation of Basel III became focused on the question of the costs associated with increasing the stringency of bank regulation. In this context, the results of a survey published by Ambrocio et al. (2020) are interesting. The authors show in their study that the vast majority of academic researchers believe than an increase in capital regulation would translate to a higher cost of bank lending. It is often the case that the c ....

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