International Regulation of Banking

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Financial capital regulation influences nearly every aspect of financial markets, including the structures of financial groups, capital raising methods, and the development of investment strategies like derivatives and securitizations. Despite its significance, capital regulation is often overlooked in legal studies. This book serves as an introduction to the structure of bank financial regulation, aimed at financial lawyers and non-statisticians interested in the regulatory factors that shape contemporary financial transactions. While the regulations rely on complex statistical models, the underlying legal principles can be articulated clearly and systematically. Currently, this area is undergoing significant transition due to the international implementation of the Basel II Accord, which introduces a new framework for bank regulation, prompting banks globally to reassess their structures and business models. This shift will lead to substantial changes and increased complexity in regulatory frameworks. The focus is on the general principles of Basel II and their implementation in the EU through the Capital Requirements Directive, making it relevant for readers in both EU and significant non-EU financial jurisdictions. This work provides a clear and comprehensive introduction to the regulatory drivers that shape financial transactions, serving as an accessible guide for lawyers and bankers alike.