Guiding an industry in transition

Amid significant global regulatory reform, banks and securities firms are faced with numerous challenges and sweeping changes. How should banks' operating models evolve? Where are the greatest opportunities for growth? What is the most effective way to raise and manage capital?

These are some of the questions banks are wrestling with as they seek to comply with new regulations while meeting the expectations of customers and shareholders for service, transparency and return-on-investment.

We provide guidance in these key areas:


  • Financial regulatory reform

    Global financial regulatory reform is daunting in its breadth and complexity. Our global network of advisory professionals offers an integration of regulatory and technical skills that sets us apart in advising and helping clients to achieve compliance and growth.

    To find solutions to your global regulatory challenges, visit our Global Regulatory Network.

     

    EY - Risk culture at the forefront of banking Risk culture at the forefront of banking
    Take a closer look at the five themes that emerged from our study of risk management practices at 52 banks.

  • Banking risk management

    Risk management has taken on a new level of importance. Get up to speed on risk control practices and regulatory requirements.

    EY Building more effective risk appetite frameworks Building more effective risk appetite frameworks
    Banks need to move risk appetite plans from high-level statements to practical application. Learn the key attributes of an effective risk appetite framework.

    EY - Banking risk management survey 2012 Banking risk management survey 2012
    Learn how practices to manage enterprise-wide risk have evolved to meet global financial reform requirements, yet lack adequate integration and transparency.

    EY - Do risk appetite frameworks go far enough? Do risk appetite frameworks go far enough?
    Some view the new frameworks as cornerstones of risk management and oversight; others doubt their effectiveness. Read insights from bank risk executives and board directors.

    EY - Profile of a businessman shaking hands with a businesswoman stepping down from an airplane Implications of Eurozone crisis
    What issues are complex global banks considering in their response to the Eurozone crisis? Tapestry Network's ViewPoints whitepaper summarizes the discussions from non-executive bank directors.

    EY - business woman waiting at airport Top and emerging risks for global banking
    Read how banks are responding to risks in funding and liquidity, regulatory changes, cybersecurity, other geopolitical risks and the general economic picture.

    EY - Business man smiling Improving risk identification
    This ViewPoints paper summarizes three ways banks can identify emerging risks gathered from discussions with directors, CROs, regulators and banking professionals.

    EY - Evolution of the CRO Evolution of the CRO
    "CRO" may not be a new title in banking, but post-crisis challenges mean that responsibilities have grown considerably for this officer. Gain further insight into this role's challenges and which areas will be integral for success.

    EY - Global banks What lies ahead on the bank risk governance journey?
    This report highlights the state of bank risk governance and upcoming priorities based on discussions with bank leadership, non-executive directors and senior regulators.

    EY - Back to ERM basics for banking industry Back to ERM basics for banking industry
    By reviewing risk fundamentals and establishing an empowered head of ERM, banks will create a more holistic view of risk across their organizations.

    EY - Global banks The liquidity gap
    Solvency and liquidity are the core pillars of banking, but the financial crisis exposed weaknesses global financial services leaders now must work to fix.

    EY - Global banks How global banking is fixing vulnerabilities
    Shoring up risk governance is top priority for banks amidst competing demands. Our risk governance survey provides perspective on what's next.
  • Governance in banks

    Who's responsible for setting risk appetite? What role does the board play? Find out how risk governance at banks is evolving.

    EY - Navigating the new era of conduct supervision Navigating the new era of conduct supervision
    Conduct issues can affect profitability and tarnish the reputations of individual banks and the industry as a whole. Learn practical approaches for addressing conduct-related issues.

    EY - Reforming bank culture: turning values into action Reforming bank culture: turning values into action
    Bank Directors Summit participants discuss the need to restore trust in the banking industry and the plan for radical changes to business models.

    EY - Addressing cyber security as a human problem Addressing cyber security as a human problem
    EY and Tapestry Networks convened a Bank Governance Leadership Network meeting to discuss cyber security. Learn about industry preparedness and ways to improve systems defenses.

    EY - Five years on, uncertainty is the new normal Five years on, uncertainty is the new normal
    Non-executive directors from many large global banks gathered for the annual Bank Governance Leadership Network summit to discuss the state of regulatory and internal reforms.

    EY Building more effective risk appetite frameworks Building more effective risk appetite frameworks
    Banks need to move risk appetite plans from high-level statements to practical application. Learn the key attributes of an effective risk appetite framework.

    EY - Transitioning to materially different business models Transitioning to materially different business models
    BGLN members convened in May and June to discuss the future of banking. The major theme to emerge was the need to evolve business models and establish a “new normal.”

    EY - US consumer protection US consumer protection
    As US consumer protection evolves, a mutually beneficial model for consumers, regulators, and banks can be developed.

    EY - Strengthening board-supervisor relationships Strengthening board-supervisor relationships
    Practical steps can help supervisors and directors establish trust-based relationships and focus on core issues.

    EY - Tapestry Real-world perspectives on bank governance
    Get insights from global bank directors and regulators in the Bank Governance Leadership Network.

    EY - G30 report: a call-to-action on bank governance G30 report: a call-to-action on bank governance
    We highlight specific G30 recommendations for each group involved in the governance process: the board of directors, management, supervisor and shareholders.

    EY - Bank Governance Leadership Network ViewPoints 10 November 2011 What does increased supervision mean for banks?
    Find out how bank supervisors implement enhanced supervision, determine the appropriate level of intensity for banks and how they choose to influence strategic decisions.

    EY - Bank Governance Leadership Network ViewPoints 10 November 2011 Global banks adapt to uncertain economics and regulations
    Members of the Bank Governance Leadership Network agree that better dialogue among senior supervisors, C-suite executives and directors is essential. Read about other approaches.

    EY - Profile of a businessman shaking hands with a businesswoman stepping down from an airplane Implications of Eurozone crisis
    What issues are complex global banks considering in their response to the Eurozone crisis? Tapestry Network's ViewPoints whitepaper summarizes the discussions from non-executive bank directors.

    EY - Banks adapt to uncertain economics and regulations Banks adapt to uncertain economics and regulations
    Members of the Bank Governance Leadership Network share their outlook for global economic and financial regulatory reform.

    EY - The changing shape of European banking regulation The changing shape of European banking regulation
    New regulatory structures are emerging to better oversee financial institutions and system-wide risks across Europe. Non-executive directors from leading global banks discuss the implications.

     

  • Banking performance improvement

    Get insights on core management and business processes, and how to set the stage for future growth.

    EY - The upside of compliance The upside of compliance
    Savvy firms use compliance requirements as an opportunity to better understand their customers and drive new revenue, says EY's Steven Lewis in Retail Banker International.

    EY - Bank Governance Leadership Network ViewPoints 10 November 2011 Global banks adapt to uncertain economics and regulations
    Members of the Bank Governance Leadership Network agree that better dialogue among senior supervisors, C-suite executives and directors is essential. Read about other approaches.

    EY - Profile of a businessman shaking hands with a businesswoman stepping down from an airplane Implications of Eurozone crisis
    What issues are complex global banks considering in their response to the Eurozone crisis? Tapestry Network's ViewPoints whitepaper summarizes the discussions from non-executive bank directors.

    EY - Evolution of the CRO Bank directors discuss industry challenges
    Members of the Bank Governance Leadership Network share their perspectives on new regulatory regimes and the implications for large global banks.

    EY - Global banks The changing shape of European banking regulation
    New regulatory structures are emerging to better oversee financial institutions and system-wide risks across Europe. Non-executive directors from leading global banks discuss the implications.

     

  • Bank reporting

    Heightened levels of professional skepticism and executive involvement are needed in today's environment. Read our candid perspectives.

    EY - Key themes from Q1 2014 earnings calls Key themes from Q2 2014 earnings calls
    Earnings calls reflected a challenging backdrop characterized by weak economic trends, low activity levels and elevated geopolitical, regulatory and conduct risks.

    EY - Leases re-exposed: the impact on banks Leases re-exposed: the impact on banks
    A revised exposure draft proposing a new accounting model for leases is one of the most significant changes in accounting currently being developed.

    EY - Financial Transaction Tax implications for banks Financial Transaction Tax implications for banks
    What should financial institutions be doing with regard to Financial Transactions Tax (FTT)? Learn about the status of the EU Commission's draft directive on FTT.

    EY - Man using computer mouse International GAAP® illustrative financial statements
    We walk you through a practical working model of consolidated financial statements prepared in accordance with International Financial Reporting Standards.

    EY - The new FASB and IASB impairment model The new FASB and IASB impairment model: US financial institutions weigh in
    Read our survey of credit risk and accounting policy personnel at 14 different financial institutions of various sizes from community banks to very large national banks.

    EY - Federal Reserve: bank regulatory reporting survey Federal Reserve: bank regulatory reporting survey
    Use our bank regulatory reporting benchmark survey to compare your organization to the current practices of RRDs against plans extending through 2015.

    EY - International GAAP banking financial statements International GAAP banking financial statements
    We walk you through a practical working model of consolidated financial statements prepared in accordance with International Financial Reporting Standards.

    EY - Dodd-Frank: seven implications for banks Dodd-Frank: seven implications for banks
    While the Dodd-Frank Act passed by US lawmakers contains few explicit tax sections, its provisions may have significant tax implications for financial institutions.

     

  • Growth in banking

    With tightened margins and an uncertain landscape, where will banks turn for new growth? We point out the progress and pitfalls of redefining their business.

    EY - How well do you know your banking customers? Hoe goed kent u de cliënten van uw bank?
    Onze Global Consumer Banking Survey 2014 duikt in de klantervaring om te achterhalen wat mensen echt willen van hun bank.

    EY - Transforming banks, redefining banking Transforming banks, redefining banking
    Our Global banking outlook 2014-15 identifies five unstoppable forces remaking the industry and four responses banks are using to manage the changes.

    EY - The upside of compliance The upside of compliance
    Savvy firms use compliance requirements as an opportunity to better understand their customers and drive new revenue, says EY's Steven Lewis in Retail Banker International.

    EY - Global financial services transaction monitor Global financial services transaction monitor
    In the first half of 2013, transaction activity continued to decline, with both deal volumes and disclosed value at their lowest level since 2010.

    EY-slider emerging seizing opp Banking in emerging markets
    Our look at 10 rapid-growth markets (RGMs) reveals substantial optimism as increasing affluence in under-penetrated banking markets drives demand for more financial products and services.

    EY - Insights from four rapid-growth markets (video series) Insights from four rapid-growth markets (video series)
    Steven Lewis, a Director at EY and the Global Banking & Capital Markets Lead Analyst, spoke with bankers in Indonesia, Malaysia, Turkey and Vietnam to understand their opportunities and challenges.

    EY - Global banking outlook 2013-2014 Global banking outlook 2013-14
    Our forecast examines 10 key issues facing banks in the coming years, including new pricing models, technology challenges and the importance of reputation.

    EY - How regulatory reform affects bank business models How regulatory reform affects bank business models
    With the pillars of reform mostly set, banks can now think strategically about reshaping and strengthening their businesses in the context of new regulation.

    EY - Basel III and liquidity Basel III and liquidity
    Industry experts discuss the implications of Basel capital and liquidity requirements for the banking sector.

     



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Improving bank risk identification

Bill Schlich, our Global Leader for Banking & Capital Markets

Bill Schlich discusses the challenges banks face when dealing with vast amounts of data.

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