Three years <a href=" http://aaccsp.org.br/anabeta-elite-erase-pro-stack/ ">anabeta and erase stack review </a> One way of reading the BIS report is to think of a set of trade-offs between three constituencies: banks, borrowers, and regulators. When the regulators got tough and implemented Basel III, the main losers were the banks, which lost a lot of permanent profitability. But borrowers were also hit: they’re paying more for loans, and they’re not being given as many loans as they were in the past. The big winner, meanwhile, was society as a whole, which significantly reduced the amount of systemic risk in the banking system.