2017 Banking Union Supervision Survey


2017 Banking Union Supervision Survey

The view from industry

Deloitte’s annual Banking Union Supervision Survey asks banks about their experiences of the Single Supervisory Mechanism (SSM) and the changing supervisory and regulatory landscape. The insights enable banks to benchmark their strategies for responding to the SSM and understand best practice, and provide supervisors and policymakers with a clear industry perspective.

SSM impact on Eurozone banks

The second edition of our Banking Union Supervision Survey examined in particular how supervisory relationships have continued to evolve; the organisational impact on banks; and technical issues regarding supervisory activities and regulations, as borne out by the Supervisory Review and Evaluation Process (SREP) and on-site inspections (OSIs).

Matured supervisory processes

45 directly supervised banks took part in the survey, from small firms to global systemically important banks (G-SIBs) located across 13 Banking Union countries. The results highlight in part the continuation of trends observed in the previous year, as supervisory processes have matured and banks have refined their supervisory engagement strategies. At the same time much remains in development, not least because of the growing importance for banks of supervisory actions as the regulatory framework stabilises.

Survey highlights in context

Our paper sets out the highlights from the survey and puts them in the context of broader developments – in particular, through the lens of the supervisory approach, business model analysis and supervisory priorities for the year ahead – three topics that we keep coming back to in our conversations with clients.

The survey was conducted by the Deloitte Banking Union Centre in Frankfurt (BUCF). The Centre was established to respond to the new landscape, and in particular to support firms locally to tackle the challenges, as well as to respond to their needs in the most efficient and effective manner. The BUCF brings together a multidisciplinary team of senior and experienced professionals from its Financial Services practices across Europe. It works closely with Deloitte’s Single Resolution Mechanism (SRM) team based in Brussels and the Deloitte EMEA Centre for Regulatory Strategy (ECRS). The ECRS is a powerful resource of information and insight, designed to assist financial institutions manage the complexity and convergence of rapidly increasing new regulations.

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