2014

382 records

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Guidelines on Measures to Reduce or Remove Impediments to Resolvability

EBA guidelines explaining circumstances under which resolution authorities may impose measures to overcome obstacles to resolvability

European Banking Authority guideline made pursuant to Article 17 of the European Recovery and Resolution Directive (BRRD) specifying details on a list of measures to address impediments identified by resolution authorities and circumstances in which each measure may be applied. Measures may be grouped under three headings: i) structural measures concerning the organizational, legal and business structure of an institution; ii) financial measures relating to its assets and liabilities; and iii) products and additional information requirements. Appropriate measure depend on specific circumstances, the business model of the institution and external factors.

Publisher: Regional Standard-Setting Bodies Release date: Dec 2014

Type: Guideline

Parent: Bank Recovery and Resolution Directive (BRRD)

Topics: Recovery and resolution, Liquidity risk and rules, Capital adequacy

Sectors: Banking, Securities

Regulatory Technical Standards on Resolution Planning

EBA draft regulatory technical standards on content of resolution plans for institutions and groups and criteria for resolvability assessments

European Banking Authority final draft regulatory standards developed pursuant to Article 10 of the European Recovery and Resolution Directive (BRRD) on content of resolution plans for institutions and groups and criteria for resolvability assessments. Specifies circumstances under which resolution authorities can require measures to overcome obstacles to resolvability that are identified in the assessment and also specifies the measures that can be taken to reduce or remove these impediments. Proposes harmonization of stages of process for assessment of resolvability. Proposes general requirement for any information necessary to enable delivery of preferred resolution strategy to be included in each category, as well as specific requirements in each category.

Publisher: Regional Standard-Setting Bodies Release date: Dec 2014

Type: Standard

Parent: Bank Recovery and Resolution Directive (BRRD)

Topics: Recovery and resolution

Sectors: Banking, Securities

Guidelines on Common Procedures and Methodologies for the Supervisory Review and Evaluation Process (SREP)

EBA guideline to promote a consistent supervisory approach across the EU

European Banking Authority guidelines to promote common procedures and methodologies for supervisory review and evaluation process (SREP) referred to Directive 2013/36/EU and for assessing organization and treatment of risks referred to in that Directive. Has four main components: i) business model analysis; ii) assessment of internal governance; iii) assessment of risks to capital and adequacy of capital; and iv) assessment of risks to liquidity and adequacy of liquidity. Assessment is summarized in a common scoring and leads to a consistent approach in setting supervisory requirements to hold additional capital and liquidity resources, as needed.

Publisher: Regional Standard-Setting Bodies Release date: Dec 2014

Type: Guideline

Peer: Revised Procedures and Methodologies for the Supervisory Review and Evaluation Process and Supervisory Stress Testing , Guidelines on Assessment of ICAAP and ILAAP under SREP, Guidelines on ICT Risk Assessment Under SREP

Topics: Capital adequacy, Liquidity risk and rules, Corporate governance, Risk management

Sectors: Banking

Risk Based Capital Adequacy Requirements

MAS regulation on minimum capital adequacy requirements for banks and banking groups in Singapore

Monetary Authority of Singapore regulation on capital adequacy requirements for banks and banking groups. Addresses Pillar 1 capital adequacy and leverage ratios, expectations for internal capital adequacy assessment processes (ICAAP) under the supervisory review process under Pillar 2, and Pillar 3 minimum disclosure requirements.

Publisher: National Regulators Release date: Dec 2014 Country: Singapore

Type: Law, Regulation and Policy

Peer: Proposed Amendments to the Capital Framework for Securitisation Exposures , Notice on Risk Based Capital Adequacy Requirements for Banks in Singapore

Topics: Capital adequacy

Sectors: Banking

Stress Testing the UK Banking System: 2014 Results

BOE report on results of first stress test of UK banking system

Bank of England report on results of first concurrent stress test of UK banking system, which was built on common, EU-wide exercise coordinated by the European Banking Authority (EBA). Test covered eight major UK banks and building societies and assessed impact of a variant of the EU-wide stress scenario on end-2013 balance sheets. Explored vulnerabilities stemming from UK household sector in particular, reflecting the Financial Policy Committee’s (FPC’s) assessment of main domestic risks to financial stability. Key judgments to arrive at final projections were taken by BOE staff, under guidance of the FPC and the Prudential Regulation Authority (PRA) Board. Bank-specific results have been approved by the PRA Board.

Publisher: National Regulators Release date: Dec 2014 Country: United Kingdom

Type: Consultative, discussion and issues paper

Topics: Stress-testing, Macroprudential, Capital adequacy

Sectors: Banking

Supervising Distribution of Annuities and Other Forms of Pension Pay-out

Overview of main pension products, their distribution and their supervision in IOPS member jurisdictions

International Organization of Pension working paper reviews different types of pension products offered by different IOPS member jurisdictions and how they are distributed. Presents how IOPS members supervise entities providing and advising on these products. Identifies main challenges pension supervisors face with respect to supervising these products and proposes some possible responses to these challenges.

Publisher: Global Standard-Setting Bodies Release date: Dec 2014

Type: Consultative, discussion and issues paper

Topics: Consumer education and protection, Transparency and disclosure, Conduct

Sectors: Pensions

Guidance Note on Macroprudential Policy

IMF research addresses key issues regarding macroprudential policy tools

International Monetary Fund guidance note addresses the following questions about use of macroprudential tools: i) when should macroprudential tools be activated and tightened; ii) what issues arise when implementing macroprudential tools; iii) when and to what extent should macroprudential policy tools be relaxed; iv) how should macroprudential policy be communicated; and v) how can leakages of macroprudential policy tools be addressed? Provides guidance on how operational advice should differ with country-specific circumstances and relate to other policies. Summarizes key principles for staff advice on institutional framework for macroprudential policy.

Publisher: International Organizations Release date: Dec 2014

Type: Consultative, discussion and issues paper

Parent: Key Aspects of Macroprudential Policy

Topics: Macroprudential, Systemic risk

Sectors: Banking, Insurance, Securities

Risk Concentration and Intra-group Transactions

EBA, EIOPA and ESMA standards on risk concentration and intra-group transactions with financial conglomerates

European Banking Authority, European Insurance and Occupational Pensions Authority and European Securities and Markets Authority final draft regulatory technical standards on which risk concentrations and intra-group transactions within a financial conglomerate should be considered as significant. Provides measures for supervisory authorities when identifying types of significant risk concentrations and intra-group transactions, their associated thresholds and reports.

Publisher: Regional Standard-Setting Bodies Release date: Dec 2014

Type: Standard

Topics: Financial conglomerates, Risk management

Sectors: Banking

Regulation and Supervision of Islamic Banks

IMF working paper provides better understanding of Islamic banking

International Monetary Fund working paper discusses similarities and differences of Islamic banks (IBs) with conventional banks (CBs), and reviews whether IBs are more stable than CBs. Concludes that it is important to ensure operational independence of the supervisory agency, which must be supported by adequate resources, a sound legal framework, a well-designed governance structure, and robust accountability practices.

Publisher: International Organizations Release date: Dec 2014

Type: Consultative, discussion and issues paper

Topics: Islamic finance, Corporate governance, Supervisory framework

Sectors: Banking

Emerging Risks to Consumer Protection in Branchless Banking: Key Findings From Colombia

CGAP case study examines branchless banking and mobile financial services models in Colombia

Consultative Group to Assist the Poor case study examines problems with branchless banking and mobile financial services models that put consumers at risk in Colombia. Explores solutions to mitigate risks while encouraging innovation in the finances markets that serve the poor. Key highlights: i) clients report that network outages are the most frequent problem they face in digital financial services; ii) clients are most concerned about the lack of clarity about where to complain; iii) despite difficulties in using digital financial services, clients are proactive about being vigilant and not being scammed; iv) while temporary PINs may increase security, difficult-to-use interfaces obfuscate mobile financial products; and v) aligning agent and agent network managers' incentives with a good customer experience has potential to reduce problems at the agent channel.

Publisher: International Organizations Release date: Dec 2014 Country: Colombia

Type: Consultative, discussion and issues paper

Topics: Financial inclusion, Consumer education and protection, Transparency and disclosure

Sectors: Banking, Microfinance

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Resources

382 records

Guidelines on Measures to Reduce or Remove Impediments to Resolvability

Regulatory Technical Standards on Resolution Planning

Guidelines on Common Procedures and Methodologies for the Supervisory Review and Evaluation Process (SREP)

Risk Based Capital Adequacy Requirements

Stress Testing the UK Banking System: 2014 Results

Supervising Distribution of Annuities and Other Forms of Pension Pay-out

Guidance Note on Macroprudential Policy

Risk Concentration and Intra-group Transactions

Regulation and Supervision of Islamic Banks

Emerging Risks to Consumer Protection in Branchless Banking: Key Findings From Colombia

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