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PRAGUE, April 28th 2009 Jiří Kunert President

Meeting of Budget and Financial Committees Chairpersons “Financial perspective after 2013, bank supervision & capital market protection“. PRAGUE, April 28th 2009 Jiří Kunert President. Czech Banking Association. established in 1991 member of the: European Banking Federation

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PRAGUE, April 28th 2009 Jiří Kunert President

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  1. Meeting of Budget and Financial Committees Chairpersons“Financial perspective after 2013, bank supervision & capital market protection“ PRAGUE, April 28th 2009 Jiří Kunert President

  2. Czech Banking Association • established in 1991 • member of the: • European Banking Federation • European Payment Council • represents banking sector (99% of the banking market assets) • almost all member banks belong to international financial groups • CBA positions reflect both international (European) and domestic experience and is able to compare

  3. Czech Banking Experience • Transformation process of the Czech banking sector (1990 - 2002) • Market approach has proved as the only way • State (EU) should assure high standard quality of legislation and regulation – respecting the principle of: • the level playing field and • equal treatment

  4. Financial Crises • High level of liquidity in the markets over number of years • A apparently benign risk environment led to mispricing of credit risk • The speed with which problems spread, and the range of products and institutions which were affected, were phenomenal

  5. Regulation Issues • CAPITAL • LIQUIDITY • FUNDING • RISK

  6. Regulation Issues Scope of Regulation „Home“ „Host“ „Supervisory“ „Approach“ • legal environment • level playing field • costs

  7. European Supervisory Structure Please do not forget: • consolidate national supervisory structure (into one institution) • adopt evolutionary approach on the EU level

  8. Thank you for your attention. http://www.czech-ba.cz

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