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.

View our Global Financial Regulatory Reform site.

Banking risk management

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

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

	US consumer protection As US consumer protection evolves, a mutually beneficial model for consumers, regulators, and banks can be developed.
	Strengthening board-supervisor relationships Practical steps can help supervisors and directors establish trust-based relationships and focus on core issues.
	Real-world perspectives on bank governance Get insights from global bank directors and regulators in the Bank Governance Leadership Network.
	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.
	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.
	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.
	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.
	Banks adapt to uncertain economics and regulations Members of the Bank Governance Leadership Network share their outlook for global economic and financial regulatory reform.
	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.

	2012 Americas wealth management study This year’s study assesses the challenges for wealth managers and analyzes how firms are enhancing the advisor and customer experience through strategic technology investment.
	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.
	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.
	Improving risk identification This ViewPoints paper summarizes three ways banks can identify emerging risks gathered from discussions with directors, CROs, regulators and banking professionals.
	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.
	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.

	What bank executives are discussing on earnings calls (Q4 2012) Read what's top of mind for bank executives and which issues they deem increasingly important.
	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.
	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.
	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.
	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.
	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.
	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.

	Insights from four rapid-growth markets (video series) Steven Lewis, a Director at Ernst & Young and the Global Banking & Capital Markets Lead Analyst, spoke with bankers in Indonesia, Malaysia, Turkey and Vietnam to understand their opportunities and challenges.
	Global banking outlook 2013-2014 Our forecast examines 10 key issues facing banks in the coming years, including new pricing models, technology challenges and the importance of reputation.
	Global consumer banking survey: the voice of today’s banking customer Customers are taking greater control of their banking relationships, and the banks that can provide more choice and flexibility will gain more control over their own destinies.
	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.
	Basel III and liquidity Industry experts discuss the implications of Basel capital and liquidity requirements for the banking sector.