IMF Working Papers Volume 2009 Issue 199: Modernizing Bank Regulation in Support of Financial Deepening: The Case of Uruguay (2009)

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Modernizing Bank Regulation in Support of Financial Deepening: The Case of Uruguay

Author:

Torsten Wezel

Torsten Wezel
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Mr. Mario Mansilla

Mr. Mario Mansilla
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, and

Gustavo Adler

Gustavo Adler
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Series:: IMF Working Papers

Volume/Issue:: Volume 2009: Issue 199

Language:: English

Publication Date:: 01 Sep 2009

DOI:: https://doi.org/10.5089/9781451873467.001

ISBN:: 9781451873467

ISSN:: 1018-5941

Pages:: 28

Keywords:: WP; loan; bank; private bank; liquidity; Credit growth; credit risk; loan classification; loan provisioning; bank liquidity; regulatory reform; Banco de la República Oriental del Uruguay; bank supervisor; B. bank funding; balance sheet data; bank lending; quality standard; loan portfolio; loss methodology; liquidity risk management practice; credit market; loan delinquency; loan quality; Loans; Credit; Liquidity requirements; Central and Eastern Europe

Legal-disclaimer:: IMF Working Papers describe research in progress by the author(s) and are published to elicit comments and to encourage debate. The views expressed in IMF Working Papers are those of the author(s) and do not necessarily represent the views of the IMF, its Executive Board, or IMF management.

Series:: IMF Working Papers

Volume/Issue:: Volume 2009: Issue 199

Language:: English

Publication Date:: 01 Sep 2009

DOI:: https://doi.org/10.5089/9781451873467.001

ISBN:: 9781451873467

ISSN:: 1018-5941

Pages:: 28

Keywords:: WP; loan; bank; private bank; liquidity; Credit growth; credit risk; loan classification; loan provisioning; bank liquidity; regulatory reform; Banco de la República Oriental del Uruguay; bank supervisor; B. bank funding; balance sheet data; bank lending; quality standard; loan portfolio; loss methodology; liquidity risk management practice; credit market; loan delinquency; loan quality; Loans; Credit; Liquidity requirements; Central and Eastern Europe

Legal-disclaimer:: IMF Working Papers describe research in progress by the author(s) and are published to elicit comments and to encourage debate. The views expressed in IMF Working Papers are those of the author(s) and do not necessarily represent the views of the IMF, its Executive Board, or IMF management.

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This paper studies how Uruguay's regulatory framework was gradually strengthened to address shortcomings identified during the 2002-03 crisis, to align with international standards and, more recently, to deal with cyclical pressures resulting in an acceleration of bank lending. In particular, regulatory reforms pertaining to loan classification and provisioning as well as liquidity requirements are reviewed and evaluated against best practices. The paper concludes that prudential regulation in Uruguay now generally conforms to high standards while also embracing innovative elements such as dynamic provisioning.

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IMF Working Papers

ISSN:: 1018-5941

Publisher:: International Monetary Fund

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