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Pricing the increased costs: Basel’s latest invoice
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Basel III’s final standards, agreed in December 2017, are now reshaping the economics of bank lending as jurisdictions implement Basel III on divergent timelines. The EU implemented most reforms with effect from 1 January 2025 (with limited further changes from 1 January 2026), while the UK is expected to follow from 1 January 2027, again with limited further changes from 1 January 2028. Basel III introduces wide-ranging reforms, including to capital, liquidity and leverage requirements, operational standards, and the cryptoasset framework, which may affect banks’ prudential balance sheets. This article considers how some of these reforms may impact lenders’ regulatory capital positions, and to what extent some of these changes can be passed on to borrowers through increased cost provisions in facility documentation.
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