Investor Presentaiton
Basel III across the region
| UOB
Indonesia
BCBS
Singapore
Malaysia
Thailand
Minimum CET1 CAR
4.5%
6.5%¹
4.5%
4.5%
4.5%
Minimum Tier 1 CAR
6.0%
8.0%¹
6.0%
6.0%
6.0%
Minimum Total CAR
8.0%
10.0%¹
8.0%
8.5%
8.0%
Capital Conservation Buffer
2.5%
2.5%
2.5%
2.5%
2.5%
Countercyclical Buffer in 20202
n/a
0%
0%
0%
D-SIB Buffer
n/a
2.0%
1.0%
1.0%
0%
1.0%-3.5%³
Minimum Leverage Ratio
3.0%
3.0%
3.0%
3.0%4
3.0%
Minimum LCR
100%
100%
100%
100%
100%
Minimum NSFR
100%
100%
100%
100%
100%
Singapore
Malaysia
Thailand
Temporary forbearance to enable banks to provide support to the economies amid COVID-19
The required stable funding factor under NSFR is cut from 50% to 25% for customer loans maturing within 6
months until 30 September 2021. This will be progressively raised back to 50% by 1 April 2022.
NSFR was implemented on 1 July 2020, but with a lower minimum of 80%. The 100% minimum will start from
30 September 2021.
Banks are able to temporarily maintain LCR and NSFR at lower than 100% until 31 December 2021.
Source: Regulatory notifications
1. Includes 2% for D-SIB (domestic-systemically important banks) buffer
for the three Singapore banks
2. Each regulator determines its own level of countercyclical capital buffer
3. According to the regulations, Indonesia D-SIBS will
initially be subject to a D-SIB buffer of up to 2.5%
4. Compliance by 2022
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