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Systemic Support for Banks

In the wake of the financial crisis, many governments have asserted that bank creditors should not expect to receive the same level of systemic support in the future. Many governments are changing their laws and regulations to allow for the use of enhanced resolution powers, good bank/bad bank structures, and/or bail-ins. These changes are intended to make it easier for governments to impose losses on bank creditors; i.e., require "burden sharing."

Because our Bank Rating Methodology incorporates an assessment of the probability that government support would be forthcoming in times of stress, some banks benefit from rating "uplift." We thus closely monitor proposed changes to regulatory regimes and their potential implications on the various classes of bank creditors to determine whether to reduce or even eliminate our assumptions of support. This page provides a centralized source for Moody’s publications in which we express our opinion on the wide array of legislative and regulatory reforms being introduced globally.

Highlights

21 May 2012
- South African reserve bank’s committed liquidity facility is credit positive
  The South African Reserve Bank has approved the provision of a committed liquidity facility to South African banks and the utilisation of statutory cash reserves as eligible liquid assets in the calculation of the liquidity coverage ratio under the proposed Basel III framework. These measures will enhance banks’ contingent liquidity and help them comply with the new ratio… Full Report
14 May 2012
- Spain’s new initiative leaves banks vulnerable to rising loan delinquencies
  The government of Spain has approved a Royal Decree aimed at strengthening Spanish banks’ loan-loss reserves, the new regulation following its announcement that it will take full control of Bankia’s holding company. Though both actions are positive for creditors of Spanish banks, many banks and their creditors will remain vulnerable to rapidly rising problem loans... Full Report
30 Apr 2012
- IMF support for bail-ins is credit negative for bondholders of systemically important financial institutions
  The IMF has released a paper advising policymakers to consider creating bail-in rules to deal with distressed systemically important financial institutions. The IMF’s support for cross-border bail-ins is credit negative for bondholders of such institutions because practical bail-in mechanisms increase the likelihood that bondholders will receive haircuts on the debt of banks that are close to insolvency…Full Report

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Date	Document Type	Title	Issuer/Entity
21 May 2012	Sector Comment	South African Reserve Bank's Committed Liquidity Facility Is Credit Positive	ABSA Bank Limit... African Bank Li... Bidvest Bank Li... Capitec Bank Li... FirstRand Bank ... Grindrod Bank L... Investec Bank L... Mercantile Bank... Nedbank Limited Sasfin Bank Lim... ...
14 May 2012	Sector Comment	Spain's New Initiative, While Supportive, Leaves Banks Vulnerable to Rising Loan Delinquencies
30 Apr 2012	Special Comment	Banks and Sovereigns: Risk Correlations Constrain Standalone Bank Credit Assessments
30 Apr 2012	Sector Comment	Broader Role for Brazil's Deposit Guarantor in Bank Resolutions Is Credit Positive	Banco Cruzeiro ... Banco PanAmeric...
30 Apr 2012	Sector Comment	Bank Failures Illustrate Danish Banking System's Credit Negative Exposure to Real Estate and Agriculture	Amagerbanken A/... Arbejdernes Lan... BRFkredit a/s Danmarks Skibsk... Danske Bank A/S Danske Bank A/S... Danske Corporat... Danske Kredit R... DLR Kredit A/S FIH Erhvervsban... ...
30 Apr 2012	Sector Comment	IMF Support for Bail-Ins Is Credit Negative for Bondholders of Systemically Important Financial Institutions
23 Apr 2012	Sector Comment	HFSF's Capital Commitment to Greek Banks Is Credit Positive	Agricultural Ba... Alpha Bank AE EFG Eurobank Er... National Bank o... Piraeus Bank S....
12 Apr 2012	Special Comment	Systemic Support Assumptions in Chinese Bank Ratings
30 Jan 2012	Sector Comment	Germany's Financial Market Stabilization Act II Provides Temporary Relief for Banks
30 Jan 2012	Sector Comment	European Banks Will Likely Become More Reliant on ECB Funding, a Credit Negative