Bank Capital Adequacy Under Basel III and CRD IV & V

At Redcliffe Training, our Basel III course is led by a specialist who has built a highly successful career in risk management, beginning with a fast-track progression at Lloyds Bank, where he achieved senior management responsibilities at an early age. He was later headhunted to join a merchant bank as a main board director, leading the risk management function. He brings over 40 years of hands-on experience in managing risk across the UK banking and financial services sector.

A freelance risk management training consultant since retiring, our expert is currently an external Master Trainer at both HSBC and Bank of China, where he has delivered major projects on a wide range of topics. Our Basel 3 training specialist helped HSBC design their global flagship Risk Management Programme for senior middle managers, delivering this globally for the past 5 years. He has also created and delivered training to many clients, from global giants to small firms and partnerships. He is an accomplished global trainer and has delivered extensive programmes in the UK, USA, South America, Europe, Africa, Asia and the Middle East.

This trainer is a highly adaptive, hands-on, highly sought-after facilitator who always receives excellent feedback from participants attending Basel 3 courses and capital adequacy rules. He is comfortable training at any level of seniority and experience, from “black belts” to novices.

In addition to his core specialism in risk management, this trainer's expertise spans Trade Finance, Regulatory Compliance, FCC & AML, as well as all aspects of Corporate, Private, and Retail Banking. Alongside his extensive experience in Basel, he is also a highly accomplished soft skills instructor. One such accomplishment is having completed numerous “train the trainer” programmes. A highly comprehensive background enables him to deliver practical insight and technical depth across a wide range of financial subjects, with particular emphasis on Basel 3 capital adequacy.

Basel III training at Redcliffe provides a clear understanding of the drivers behind regulatory change, the evolving capital adequacy framework, and the practical implications for banks, risk management, and business models:

• Training examines the rationale behind continued regulatory tightening on banking institutions and explores the anticipated impact on future business models.
• Sessions investigate the impact of ESG.
• We consider purpose, principles, evolution and application of the Basel Capital Adequacy regulations and what is required in terms of:
  • Regulatory capital
  • Risk-weighted assets
  • Capital Adequacy Ratios
• Training evaluates the impact of recent bank failures – especially Credit Suisse.
• This Basel III course investigates the impact of the proposed 2025/6 introduction of Revised Standardised Approaches.

With over 20 years of experience, Redcliffe Training has built a strong reputation for delivering high-quality Basel training with a focus on risk and compliance:

• We are pleased to have been appointed Master Trainers in risk training by two of the world’s largest banks.
• Redcliffe has delivered this topic to the IFC, World Bank, ECA’s and a host of small and medium-sized institutions. We have a very clear idea of how market players of all sizes are dealing with this ever-changing regulatory framework.
• We do not use academics or a textbook approach. The course director is a former Chief Risk Officer with considerable hands-on vocational experience. He will share his experiences, both good and bad, ensuring sessions are brought to life whilst remaining relevant.
• Basel III training courses use lots of practical examples and case studies to illustrate learning points. Upon completion, individuals will hit the ground running.
• Basel makes for a complex subject with certain requirements appearing too challenging or difficult to understand. Our sessions avoid this pitfall, explaining all requirement aspects in a simple and easy-to-comprehend manner, taking time, if necessary, to build delegate understanding in clear stages.
• Judged by results to date, participant feedback has always been of the highest quality.
• Basel is a multifaceted and continually evolving area of regulation. Our highly interactive and detailed Basel III training courses provide a comprehensive overview of the past, present, and likely future regulatory frameworks. Training explores how capital adequacy rules apply to different institutions, while also examining their underlying purpose and evolution—shedding light on why they have developed as they have.
• To conclude training, sessions address how banks can adopt optimal strategies to maximise profits, minimise risks, and ensure full compliance within both the letter and the spirit of the regulations.

With the benefit of hindsight, it’s clear that global regulation struggled to withstand the pressures of the 2008–2009 credit crisis. In response, Basel III and its iterations were introduced to address the most significant weaknesses in the banking system. Ensuring adequate loss-absorbing capital, together with effective liquidity and risk management. This Basel III course at Redcliffe Training explores how these measures have been designed to create a more resilient and stable financial framework, reducing the likelihood of future systemic failures.

The collapses of Credit Suisse and SVB were, for some, surprising. But these failures are judged to have been idiosyncratic and not a failure of regulation per se.

Basel III has given regulators “superpowers”, and for the past few years, banks have been closely supervised and, in some regards, micro-managed. Basel III is being adopted almost universally as a benchmark of excellence and is probably a prerequisite for doing business with global banking partners.

This is critical for those nations seeking or needing to attract inward capital investment. Without global partners, raising the funds required domestically or enjoying access to trade finance and international wealth management is very challenging. Basel training will help.

We are told there will be no Basel IV (but this could change post Credit Suisse).