An international committee of banking supervisory authorities and central banks is working out new rules for the capital requirements for credit institutions in Basel. Essentially, the supervisory bodies are concerned with making the capital requirements for credit institutions in their lending activities more dependent than before on individual risk to be made dependent on the credit risk. While up to now 8% equity capital had to be backed for credit exposures, in future equity capital will have to be backed in different amounts (more or less than before) depending on the individual credit risk.
For the customers of credit institutions, this means that their individual credit risk is determined by a rating and this influences the financing costs. leasing improves the balance sheet ratios of the lessee, which can have a positive effect on the rating. Leasing companies are not subject to the Basel II rules for their business. The new equity capital regulations have been binding since 2006.
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