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December 16, 2019
In the first six months of 2019 the net profit for the Spanish banking system has been EUR 5,326 M , 20% less than in the one obtained in the first semester of 2018, due to a weak second quarter. The key factors were weak revenues, cost control, and provisions which remain at minimum levels.
October 16, 2019
Under BRRD 2, European banks’ MREL deficit is €112bn (63% attributable to O-SIIs and non-systemic banks) and €188bn lower than 2018 results, mostly explained by issuances of €194bn during 2018–2019. Erosion of profitability is now critical, with interest expense increasing 2.3-3.2%. Basel IV significantly increase needs.
September 19, 2019
The net profit of the system in the 1Q'19 was EUR 3.2 Bn. The key factors were weak revenues, cost control, and lower provisions. Deleveraging has continued, although since the end of 2018 there has been a slight upturn in total lending. The NPL ratio continues to fall and profitability has improved compared to 1Q'18.
January 3, 2019
Digital transformation has opened the financial services market to new kinds of providers with great disruptive potential, including big technology companies. This article explores how the scope of that integration is conditioned by regulation, data access rules and competition policy.
December 24, 2018
In 2018, the financial regulatory reform approved after the crisis by the G20 and the Financial Stability Board (FSB) was considered virtually complete and the focus was supposed to be on implementing the reforms already initiated.
January 12, 2017
Finalisation of Basel III. New package of banking reforms in the EU. TLAC and MREL. SSM supervisory priorities and SREP methodology. A flawed EDIS proposal. Turning the spotlight on shadow banking. Geopolitics and Regulation
April 6, 2016
For the first time ever, the Basel Committee has issued guidance on regulation and supervision for financial inclusion. The draft Guidance builds on Basel's Core Principles for Effective Banking Supervision and is intended to help supervisors and regulators around the world accommodate the fast-changing environment of institutions that are relevant to financial inclusion.
March 16, 2016
In this issue we focus on: regulatory sandboxing: a risk-based approach to promote innovation in financial services; cyber-attacks: one of the main threats in 2016; Bim: the Peruvian mobile wallet of the unbanked; regulation of digital consumer credit; robo-advisers: the automation of financial advice.
November 3, 2015
The Financial Stability Board (FSB) has updated today the list of global systemically important banks (G-SIBs). There are three significant changes versus the previous list: i) Royal Bank of Scotland changes from the 1.5% bucket to the lowest bucket of 1%; ii) China Construction Bank enters the list for the first time in the 1% bucket and iii) BBVA exits the list.
