Banking Alert

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Banking Alert

Banking Alert is Deloitte’s newsletter series on current issues of the financial services industry, which presents market events, regulatory changes, trends and developments affecting the industry.

#4 NPL/NPE prevention strategy

In 2017, in Central and Eastern Europe recorded after 2016, an intense activity of trading of the portfolios of non-performing loans (NPLs). The most active markets in the region, which have recorded the highest volume of portfolios sold in the last few years, have been Romania, Hungary, Croatia and Slovenia. Although the corporate portfolios of non-performing loans will remain the most traded, some investors have already expressed interest in the residential mortgage loans.

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2018. április 19.

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#3 ECB requires additional provision over new NPLs

The European Central Bank plans to ask euro area banks to set aside more cash to cover bad loans, making it prohibitively expensive for lenders to keep sitting on them. Starting January 1, it will give lenders two years to set aside funds to cover 100 percent of the value of their newly classified non-performing unsecured debt and seven years to cover all secured bad debt, the draft showed.

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#2 EBA and ESMA provide guidance to assess the suitability of management body members and key function holders

The European Banking Authority (EBA) and the European Securities and Markets Authority (ESMA) have published their joint Guidelines to assess the suitability of members of management bodies and key function holders. These Guidelines aim to harmonise and improve suitability assessments within EU financial sectors, and to ensure sound governance arrangements in financial institutions in line with the Capital Requirements Directive (CRD IV) and the Markets in Financial Instruments Directive (MiFID II)

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#1 Five things to remember about Basel III

After more than a year of stalled negotiations, the Basel Committee on Banking Supervision (BCBS) announced an agreement on the remaining elements of the Basel III post-crisis bank capital framework. Striking a deal on this package of reforms (often called ‘Basel IV’) is a significant milestone in the post-crisis regulatory journey and a huge achievement for the BCBS.

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