{"id":350,"date":"2012-09-07T14:53:07","date_gmt":"2012-09-07T14:53:07","guid":{"rendered":"https:\/\/hub.hslu.ch\/retailbanking\/?p=350"},"modified":"2026-02-11T14:52:43","modified_gmt":"2026-02-11T13:52:43","slug":"hoehere-leverage-ratios-fuer-retail-banken-noetig","status":"publish","type":"post","link":"https:\/\/hub.hslu.ch\/retailbanking\/hoehere-leverage-ratios-fuer-retail-banken-noetig\/","title":{"rendered":"H\u00f6here Leverage Ratios f\u00fcr Retail Banken n\u00f6tig?"},"content":{"rendered":"\n\n\n<p>Ist unser Finanzsystem durch den \u00ab<a href=\"http:\/\/www.nzz.ch\/aktuell\/wirtschaft\/wirtschaftsnachrichten\/der-turmbau-zu-basel-1.17556819\">Turmbau zu Basel<\/a>\u00bb &#8211; sprich Basel I, II und III \u2013 sicherer geworden? <a href=\"http:\/\/www.kansascityfed.org\/publicat\/sympos\/2012\/ah.pdf\">Andrew G. Haldane<\/a>, Exekutivdirektor f\u00fcr Finanzstabilit\u00e4t bei der Bank of England, r\u00fcckte diese Frage k\u00fcrzlich ins Zentrum. Er stellt die These auf, dass ein hohes Tier-1-Ratio in der Vergangenheit ein schlechter Indikator f\u00fcr die Stabilit\u00e4t von Banken war. Viel aussagekr\u00e4ftiger sei dagegen das Leverage Ratio, also der Anteil des Eigenkapitals an der Bilanzsumme. Seine Untersuchung bei 100 Banken in den USA zeigte, dass bei in der Finanzkrise gescheiterten Instituten (37 Banken) das Leverage Ratio um 1.2 Prozentpunkte niedriger war als bei denjenigen, welche die Krise \u00fcberstanden haben (63 Banken). Haldane schl\u00e4gt einen Schwellenwert von idealerweise 7% f\u00fcr den Leverage Ratio vor.<\/p>\n\n\n\n<p><strong>Die Leverage Ratios der Schweizer Retail Banken im \u00dcberblick<\/strong><\/p>\n\n\n\n<p>Dies bietet einen optimalen Anlass, einmal einen Blick in die Runde der Schweizer Retail Banken zu richten, ohne dass entsprechende Regelungen aktuell in Kraft sind. Die nachfolgende Grafik zeigt die Leverage Ratios per Ende 2011 von rund 90 Banken, welche im Schweizer Retailgesch\u00e4ft t\u00e4tig sind (grosse Ansicht mit Klick auf Abbildung).<\/p>\n\n\n\n<figure class=\"wp-block-image\"><a href=\"https:\/\/hub.hslu.ch\/retailbanking\/wp-content\/uploads\/sites\/7\/2012\/09\/Leverage-Ratios-per-2011.png\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" src=\"https:\/\/hub.hslu.ch\/retailbanking\/wp-content\/uploads\/sites\/7\/2012\/09\/Leverage-Ratios-per-2011.png\" alt=\"\" class=\"wp-image-405\"\/><\/a><\/figure>\n\n\n\n<p>Die Umsetzung von Basel III in der Schweiz samt integrierter Too-big-to-fail-Regulierung w\u00fcrde eine Leverage Ratio von 4.56% (19% risikogewichtete Anforderung x 24% risikogewichteter Unterlegungssatz) f\u00fcr die Grossbanken bedeuten (siehe schwarze Linie). Ein Blick auf die Ausgangslage bei den Schweizer Retail Banken in obiger Aufstellung zeigt, dass nicht nur die Grossbanken, sondern alle anderen Banken diese Marke per Ende 2011 erreichten. Der gr\u00f6sste Teil der Retail Banken wies per Ende 2011 Quoten zwischen 7 und 10% aus, der Mittelwert liegt bei 8.24%, Maximalwerte liegen sogar bei rund 14%. Nimmt man die von Haldane vorgeschlagene Quote von 7% zum Benchmark (siehe rote Linie in der Abbildung), sieht das Bild anders aus. Von den betrachteten 90 Banken weisen neben den beiden Grossbanken 20 Retail Banken ein Leverage Ratio von weniger als 7% aus. Rund 20% der Schweizer Retail Banken liegt somit unter dieser \u00abHaldane-Schwelle\u00bb. Neben \u00abSpezialf\u00e4llen\u00bb wie die NAB oder die Baloise Bank SoBa, lagen unter anderem auch Banken wie die Z\u00fcrcher Kantonalbank oder die Valiant&nbsp; per Ende 2011 unter dieser Schwelle.<\/p>\n\n\n\n<p><strong>Das Thema Leverage Ratio geh\u00f6rt weiter nach oben auf der Agenda<\/strong><\/p>\n\n\n\n<p>Der Regulator will den Finanzplatz krisenfest(er) machen. Bei den Mindestkapitalanforderungen und H\u00f6chstverschuldungsgrenzen hat er deswegen vor allem die systemrelevanten Institute im Visier. Und trotzdem: <a href=\"http:\/\/www.fuw.ch\/article\/die-bankenaufsicht-geht-alle-etwas-an\/\">Die Bankenaufsicht geht alle etwas an<\/a>. Eine entsprechende Vorlage zur Reform der Bankenaufsicht wird das Bundesparlament am 18. September auf Verordnungsstufe besiegeln. Die Kritik, dass Basel III nicht vor einer n\u00e4chsten Bankenkrise sch\u00fctze, ist dabei weit verbreitet. Die komplexen Modelle geniessen auch unter den Anlegern ein <a href=\"http:\/\/ftalphaville.ft.com\/blog\/2012\/05\/25\/1015051\/bye-bye-basel-seen-in-the-rwas\/\">geringes Vertrauen<\/a>. Umso mehr k\u00f6nnen unter den real existierenden Verh\u00e4ltnissen einfache Faustregeln helfen. Dazu geh\u00f6rt auch die von Haldane postulierte H\u00f6chstverschuldungsquote (Leverage Ratio) von 7%. Diese Quote greift, noch bevor risikogewichtete Eigenkapitalvorschriften limitierend wirken.<\/p>\n\n\n\n<p>Dem Subsidiarit\u00e4tsprinzip zu Folge ist es grunds\u00e4tzlich Aufgabe der Banken, sich so zu organisieren, dass zuk\u00fcnftige Krisenf\u00e4lle, bspw. Schocks in einzelnen regionalen Immobilienm\u00e4rkten, absorbiert werden k\u00f6nnen. In diesem Sinn d\u00fcrfte es f\u00fcr die Entscheidungstr\u00e4ger der Schweizer Retail Banken von Mehrwert sein, die Diskussion \u00fcber die Faustregel von Haldane zur Leverage Ratio in der Agenda nach oben zu r\u00fccken, auch wenn diese in nationalen Kontext nicht systemrelevant sind.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Der folgende Beitrag betrachtet die Leverage Ratios der Schweizer Retail Banken per Ende 2011. Er liefert Argumente daf\u00fcr, warum dieses Thema in der Agenda der Entscheidungstr\u00e4ger im Schweizer Retail Banking nach oben r\u00fccken sollte.<\/p>\n","protected":false},"author":1270,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":"","_links_to":"","_links_to_target":""},"categories":[252,19496,1722,436,1723,19495],"tags":[19526,19534,19532,19531,19533],"class_list":["post-350","post","type-post","status-publish","format-standard","hentry","category-allgemein","category-andere-retail-banking-institute","category-1722","category-436","category-1723","category-regionalbanken-und-sparkassen","tag-basel-iii","tag-haldane","tag-hochstverschuldungsgrenze","tag-leverage-ratio","tag-tbtf"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>H\u00f6here Leverage Ratios f\u00fcr Retail Banken n\u00f6tig? - IFZ Retail Banking Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/hub.hslu.ch\/retailbanking\/hoehere-leverage-ratios-fuer-retail-banken-noetig\/\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"H\u00f6here Leverage Ratios f\u00fcr Retail Banken n\u00f6tig? - IFZ Retail Banking Blog\" \/>\n<meta property=\"og:description\" content=\"Der folgende Beitrag betrachtet die Leverage Ratios der Schweizer Retail Banken per Ende 2011. 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