Bank Capital Adequacy Under Basel III and CRD IV & V

A highly successful, long and varied “fast track” career in risk management at Lloyds Bank led this Basel III course trainer to very senior management at an early age. He was headhunted to join a merchant bank at the main board director level to head the risk management function and now has over 40 years of experience managing risk in the UK banking and financial services sector.

He has been a freelance risk management training consultant since retiring and 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. At HSBC he helped design their global flagship Risk Management Programme for senior middle managers and has delivered 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, including Basel III training courses. He is an accomplished global trainer and has delivered extensive programmes in the UK, USA, South America, Europe, Africa, Asia and the Middle East.

Redcliffe’s Basel III course trainer is a highly adaptive, hands-on and highly sought-after facilitator who always receives excellent feedback from delegates. He is comfortable training at any level of seniority and experience, from “black belts” to novices. In addition to his risk management specialism, his expertise includes but is not limited to Trade Finance, Regulatory Compliance, FCC & AML and all aspects of Corporate, Private and retail Banking.

In addition to his extensive expertise in Basel training, the trainer is also a highly skilled soft skills instructor and has successfully completed numerous "train the trainer" programs.

• Basel III training will help you fully understand why regulators continue to impose tight regulation on Banking institutions and the likely way forward on the impact on business models as a result.
• The impact of ESG.
• The 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

• To consider the impact of the recent bank failures – especially Credit Suisse.
• The impact of the proposed 2025/6 introductions of Revised Standardised Approaches.

• Redcliffe Training has been established for over 20 years and we are proud of our reputation for delivering excellent Basel 3 training within risk and compliance.
• We are pleased to have been appointed Master Trainers in risk training by two of the world’s largest banks.
• We have delivered this topic to the IFC, World Bank, ECA’s and a host of small and medium-sized institutions. As such 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 with our Basel III training. This course director is a former Chief Risk Officer with considerable hands-on vocational experience. He will share his experiences, both good and bad, to bring the Basel III course to life and make it more relevant.
• This bank capital adequacy course uses lots of practical examples and case studies to illustrate the learning points. We aim to assist delegates to hit the ground running following the completion of the workshop.
• This can be a complex subject with some of the requirements appearing to be either challenging or difficult to understand. We will avoid this pitfall by explaining all aspects of the requirements in a simple and easy to comprehend manner, taking time, if necessary, to build delegate understanding in clear stages.
• We are always judged by our results and, to date, delegate feedback for our Basel III courses has always been excellent.
• Basel Capital Adequacy is a multifaceted and continually evolving area of regulation. In light of this, our highly interactive and detailed course provides a comprehensive overview of the past, present, and likely future regulatory frameworks. The training explores how these rules apply to different institutions, while also examining their underlying purpose and evolution—shedding light on why they have developed as they have. The concluding segment of Basel Capital Adequacy training addresses 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, global regulation failed to cope with the stresses of the 2008/2009 credit crunch. To correct this weakness, Basel III and its subsequent iterations have ensured that the two areas of greatest bank weakness; having enough loss-absorbing capital and effective liquidity and risk management are as robust and effective as they need to be to avoid further failures.

The collapses of Credit Suisse ans SVB were – for some – surprising but both failures are judged to have been idiosyncratic and not a faikure of regukation 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.

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