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حسابداری و مالی::
سرمایه پایه
This in turn is also undermining the reputation and credibility of banks (not to mention the capital base), with significant and durable negative impacts on their goodwill-thus making more difficult their day to day business and weakening their pricing and market power, both on their liability and asset management side
;deleveraging of the banks' balance sheet-as they have to rebuild their regulatory capital base, weakened by the credit losses-and, as a consequence, a decrease or sharp contraction in the lending supply.
In turn, both the liquidity/duration mismatch targets and the solvency ones may have an effect on the profitability of the bank-realizing "fire sales" of assets to increase the cash on hand and to reduce the risk weighted assets and the leverage tends to imply deep discounts, that in turn erode the normal profitability of the bank and therefore the very same equity capital base that is trying, if not to optimize, to preserve.
The SRF, with a target capital base of a minimum 1 % circa of the overall deposit base of the banks covered-target that should be reached by 2024-will be funded both ex-ante and ex-post:
Still, in such a situation it becomes even easier to get to a point of no return, when the cost of risks of the aggressively accumulated loans becomes just unmanageable and a huge write off is then forcing the bank to declare a major loss and a significant wipe out of its regulatory capital base.
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