Insights
Leverage Ratio
The leverage ratio is a measure which allows for the assessment of institutions’ exposure to the risk of excessive leverage. It is a simple, non-risk based approach calculated as Tier 1 capital divided by the total exposure measure, consisting of both on-balance sheet and off-balance sheet items, and is supplementary
Liquidity Coverage Ratio (LCR)
The LCR is a requirement under Basel III and is designed to ensure that banks hold a sufficient reserve of high-quality liquid assets (HQLA) to allow them to survive a period of significant liquidity stress lasting 30 calendar days. The supervisory scenario capturing the period of stress combines elements of
Financial Reporting (FINREP)
FINREP, or Financial Reporting, is a regulatory framework established by the European Banking Authority (EBA) (and since adopted by the Prudential Regulatory Authority (PRA)) to harmonize financial reporting for banks and financial institutions across the EU and the UK. As part of the Capital Requirements Directive IV (CRD IV) package,
Asset encumbrance
The Asset encumbrance (AE) report is designed to provide transparency into the extent to which an institution’s assets are pledged as collateral, impacting its liquidity and financial stability. Its primary purpose is to help regulators, investors, and management assess the institution’s liquidity risk and financial health by detailing
Case study: G-SIB partners with Suade to streamline complex entity and workflow management
The challenge The client, a large global systemically important bank (G-SIB), faced significant regulatory reporting obligations across multiple jurisdictions and entities within the UK and EMEA. Their legacy solutions required deploying different systems and environments for each reporting obligation, leading to operational hazards, increased costs, and issues with data duplication
Anacredit
Introduction This article provides an overview of AnaCredit, the European Central Bank's (ECB) framework for collecting detailed credit and credit risk data. We’ll explore the framework’s objectives, challenges, and how innovative solutions can assist reporting agents in addressing these complexities. AnaCredit's detailed reporting requirements
Reg Talks Series - Episode 5 with Samir Dahmani: Tackling data challenges in banking
In this Reg Talks episode, Samir Dahmani, Chief Product Officer at Suade, offers his expertise on overcoming key data challenges in banking. Drawing on his extensive experience in technology transformation and risk management, Samir provides insights into handling large volumes of data and achieving data harmonisation. Overcoming data challenges in
7 Benefits of the Integrated Reporting Framework (IReF)
The European Central Bank's (ECB) Integrated Reporting Framework (IReF) is set to revolutionize the Eurozone's financial landscape by standardizing, harmonizing, and integrating the statistical frameworks of the European System of Central Banks (ESCB) across various reporting domains and countries. This initiative not only simplifies reporting obligations
Guide to Navigating the Integrated Reporting Framework (IReF)
The Integrated Reporting Framework (IReF), set to go live in 2027 following its anticipated adoption in 2025, marks a pivotal shift in the regulatory landscape for the European banking sector. This unified framework aims to replace existing ECB statistical datasets related to banks, streamlining and harmonizing data reporting requirements across
Essential strategies for effective ESG risk management
As ESG (Environmental, Social, and Governance) becomes a significant risk factor recognized by regulators, and its capital impact grows, companies need to move beyond just data collection. Understanding the financial and capital implications for current and future business portfolios is crucial. Below we outline some key strategies for managing ESG