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Thought leadership

Detailed below are the Centre’s publications which take an in depth look at regulatory or market developments of importance to the European financial services industry.

MORE Thought leadership research & insights

  • Transition to the Senior Managers and Certification Regimes
    This paper from Deloitte’s EMEA Centre for Regulatory Strategy addresses the key points in the FCA/PRA consultation paper and sets-out our expectations of what this will mean for firms and individuals in practice, with a particular focus on the challenges and what firms should be doing to prepare.
  • The Single Supervisory Mechanism – Mind the (capital) gap
    In preparation for the Single Supervisory Mechanism (SSM), all ‘significant’ Eurozone banks are taking part in the European Central Bank’s (ECB) comprehensive assessment, with results to be announced in October 2014. The fourth in a series of papers on the SSM produced by the EMEA Centre for Regulatory Strategy, this paper is designed to help banks understand, plan for and manage the capital gap challenge that may arise from the results of the assessment.
  • How building societies can manage change in prudential regulation – Piecing it together
    The regulatory environment remains challenging not just for banks, but also building societies, as the introduction of more and tougher prudential standards ‘raises the bar’ and extends the reach of regulation. In this paper, we explore the issues societies are facing, and set out a simple framework for managing change in the new prudential environment.
  • The Single Supervisory Mechanism (SSM) - Banking on the Banking Union
    A single supervisory and a single resolution regime in the Eurozone are on the verge of becoming operational. Insights from the recently agreed Regulations and the preparatory process for the Single Supervisory Mechanism (SSM) enable banks to begin connecting the pieces of the Banking Union together. This latest paper on the SSM provides a view on three questions Eurozone banks should now consider without delay to avoid creating unnecessary risks.
  • MiFID II and the new trading landscape – Transforming trading and transparency in EU capital markets
    Trading and transparency in EU capital markets will be transformed under new rules agreed in the revision to the Markets in Financial Instruments Directive and new Regulation (MiFID II/MiFIR). This paper explores the impact of MiFID II/MiFIR on EU capital markets and the opportunities and challenges for investment firms, credit institutions, market infrastructure and other market participants.
  • Structural Reform of EU Banking - Rearranging the pieces
    The largest banks in the EU are faced with a set of structural reforms which would separate their trading activities from their retail deposits. In this paper, we look at the European Commission’s recent proposals, and compare them with existing national versions of ring-fencing. We also look at design and practical challenges for the banks affected by the rules.
  • The Recovery and Resolution Directive – Putting theory into practice
    The EU’s Recovery and Resolution Directive has been finalised, including the bail-in power, but there is a long way to go to make systemically important banks resolvable. This paper highlights key areas of focus for senior management as they look to embed resolution planning into their business-as-usual practices.
  • OTC Derivatives – The new cost of trading
    Over-the-counter (OTC) derivative markets have been subject to significant change as global regulatory commitments become increasingly a reality. This paper explores how much more expensive cleared and non-cleared OTC derivative transactions will become as a result of the reform package in the EU, how the structure of OTC derivative markets is set to change and what strategic challenges arise for firms.
  • The Single Supervisory Mechanism (SSM) | The big data issue
    Investment in data and analytics should be a priority for banking supervision in the context of the SSM and could be the differentiating factor that determines whether or not the SSM lives up to the aspirations that have been set for it. This paper offers analysis of the challenges banks and supervisors share and puts forward ideas on what resolving these challenges might look like.
  • Solvency II: Preparing for EIOPA’s Interim Guidelines
    The European Insurance and Occupational Pensions Authority (EIOPA) recently published the final Guidelines for the preparation of SII and the European trilogue agreement, paving the way for Solvency II to go live on 1 January 2016. This paper outlines what insurers need to know and what they need to do.

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