10 Note: 85 countries with no change are Angola, Australia, Bahrain, Belize, Benin, Bhutan, Brazil, Bulgaria, Burkina Faso, Canada, Colombia, Costa Rica, Côte d'Ivoire, Cyprus, Denmark, Dominican Republic, Ecuador, Estonia, Ethiopia, Fiji, Ghana, Guatemala, Guinea-Bissau, Honduras, Italy, Jamaica, Jordan, Kazakhstan, Kenya, Kosovo, Kyrgyz Republic, Latvia, Lebanon, Lesotho, Lithuania, Luxembourg, Madagascar, Mali, Malta, Mauritius, Mexico, Moldova, Morocco, Mozambique, Namibia, Nepal, Netherlands, Nicaragua, Niger, Nigeria, Oman, Panama, Paraguay, Peru, Poland, Portugal, Romania, Russia, Samoa (Western), Senegal, Singapore, Slovakia, Slovenia, Spain, Sri Lanka, Suriname, Swaziland, Switzerland, Syria, Taiwan (China), Tajikistan, Thailand, Togo, Tonga, Tunisia, Uganda, Ukraine, United Arab Emirates, United Kingdom, Uruguay, Vanuatu, Venezuela, Virgin Islands (British), and Zimbabwe.

Figures 3, 4, and 5 show the changes in the three pillars of Basel II, namely Capital Regulation, Official Supervisory Power, and Private Monitoring, respectively. Interestingly, many more countries were increasing capital requirements over the entire period, whereas there is no marked difference in the increase or decrease of supervisory powers and slightly fewer countries increasing private monitoring compared with those decreasing it.

**Figure 3. Change in the index of bank capital Figure 4: Change in the index of official regulations: Surveys I to IV supervisory powers: Surveys I to IV**

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