A Basle III Scenario Analysis of Lebanon’s FSDR Framework скачать в хорошем качестве

A Basle III Scenario Analysis of Lebanon’s FSDR Framework

1️⃣ The FSDR framework if applied to Base III standards shows: Lebanese banks are zombie institutions They survive only because: • Losses are unrecognized • Depositors are forcibly locked in • Regulators suspend international norms ________________________________________ 2️⃣ The system is deposit-financed insolvency • Deposits are no longer liabilities in the Basel sense • They function as involuntary equity substitutes ________________________________________ 3️⃣ Basel III cannot be “phased in” Without: • Full loss recognition • Bank resolution & consolidation • Explicit bail-in hierarchy Basel III ratios are meaningless. ________________________________________ 4️⃣ Any “financial stability law” that avoids: • Valuing losses • Ranking claims • Recapitalizing or liquidating banks ➡️ Merely formalizes the breach of Basel III ________________________________________ 5️⃣ True compliance requires: • Writing off most bank capital • Converting part of deposits to equity (explicitly, not covertly) • Reducing system size by 50–70% • Rebuilding a small, functional banking core