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There is of course a cost associated with maintaining capital levels, which is one of the main reasons for the growth in the use of derivative (off- balance sheet) instruments, as well as the rise in securitisation.
at risk, while the process of securitisation removes assets from a bank's balance sheet, thereby reducing its capital requirements.
Securitising mortgage books not
In the UK, banks such as Northern Rock pic and Bradford & Bingley pic followed the example of credit card banks in the US, and were able to significantly grow their mortgage books after employing securitisation techniques.
Under Basel II and associated with genuine risk-transfer regulatory rules, for many banks there is no longer a capital advantage in securitising residential mortgages - it will be cheaper, in capital charge terms, to keep them on their balance sheet.
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