Greater regulatory scrutiny in Europe is compelling banks to better understand their data and consider tough strategic decisions.
The Bracken column
The Bracken column is named after Brendan Bracken, the founding editor of The Banker in 1926 and chairman of the modern-day Financial Times from 1945 to 1958.
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Basel-endorsed centralised credit models and too-big-to-fail banks will not provide European economies with what they need, such as an increase in working capital for SMEs. Only deconglomerated banks unbound from Basel III risk management models can do this.
A regulatory over-reaction to allegations of gold market manipulation could deal a fatal blow to the commodities trading desks of investment banks that are already in retreat.
Regulating specific risky activities in the financial sector is more useful than trying to identify systemic non-bank, non-insurance institutions.
The regulation of the global financial sector should be extended to include intensive monitoring of merger and acquisition deals, which are a key source of instability.
The Court of Justice of the EU's rejection of British attempts to appeal against a European short-selling ban could signal a new degree of harmonisation on financial regulation.
Deposit guarantee schemes are vital to maintaining retail customer confidence in the banking system and it is logical to give them a greater role in bank resolution.
Counterparties to derivative trades have a wide range of considerations to think through in less than two months before new European regulations come into force.
Banks, regulators and consultants are all trying to preserve a Basel capital measurement that relies on a discredited process of risk-weighting assets.
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