The recently proposed changes to the Basel III framework introduce a significant shift regarding regulatory capital. We aim to help clients navigate these complexities, particularly in how these changes impact bank-owned life insurance (BOLI). Comprehending Basel III’s proposed implications is not just about compliance; it’s about understanding how the new capital requirements and risk-weighting rules directly affect BOLI policies and strategically managing these assets to minimize risk, optimize capital reserves, and ensure long-term financial stability for your bank.