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Global watchdog flags slow "too big to fail" bank rule adoption

Published 18/03/2016, 08:32 pm
© Reuters.  Global watchdog flags slow "too big to fail" bank rule adoption
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By Huw Jones

LONDON, March 18 (Reuters) - Many countries have not yet introduced laws allowing regulators to write down bank's debts to avoid taxpayer bailouts and prevent them being "too big to fail", the world's top financial watchdog warned on Friday.

The Financial Stability Board (FSB), which can "name and shame" those which do not yet comply with its rules, said member countries that do not yet have these laws include Argentina, Australia, Brazil, Canada, China and Chinese territory Hong Kong, India, Indonesia, Korea, Mexico, Russia and Saudi Arabia.

The FSB, which is chaired by Bank of England Governor Mark Carney, is tasked with coordinating financial regulation for the Group of 20 economies (G20). Membership of the G20 includes a commitment to implement rules it has agreed.

In a review of how G20 countries have implemented rules to avoid a repeat of government bailouts of lenders as during the 2007-09 financial crisis, it said few of its members have introduced the so-called bail-in tool.

This gives regulators powers to write down a bank's bonds to top up capital and keep core parts of a bank functioning, such as customer deposits and payments.

"Only the European Union member states, Switzerland and the United States are currently able to achieve a creditor-financed resolution to support continuity of critical functions," it said.

The bulk of the world's 30 globally systemic banks, such as HSBC HSBA.L , Deutsche Bank DBKGn.DE , JPMorgan (NYSE:JPM) JPM.N , Citi C.N and BNP Paribas BNPP.PA , are in these jurisdictions.

Ravi Menon, managing director of the Monetary Authority of Singapore, who chairs an FSB committee on implementing rules, said the reforms on resolving or winding down failing banks are a critical component of addressing the too-big-to-fail problem, where governments have no option but to bail them out because of the knock-on damage that would be caused if they did not.

"Substantial work remains to put in place a full set of resolution powers and recovery and resolution planning requirements," added Fernando Restoy, Deputy Governor of the Bank of Spain and chair of the team who carried out the review.

The task force said countries that have not fully implemented the rules on dealing with failing banks should say by December what actions they have taken or intend to take.

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