• EY Bank Relevance Index

    The global banking industry faces new challenges from disruptive bank alternatives, creating a pivotal opportunity to regain relevance with customers.

  • Winning the wealth tech revolution

    Wealth tech will disrupt every element of the sector’s value chain, putting the high-growth Asia-Pacific wealth market up for grabs.

  • Unconventional Wisdom

    Banks that understand regulation and FinTech are on track for success, writes Anthony Caterino, EY Americas Financial Services Leader, in an article for Institutional Investor.

  • Surgically replacing core banking platforms

    Amid rising customer demands, technological advancements and ever-changing regulatory requirements, a surgical approach will reduce costs and complexity in core banking transformation.

  • The payments revolution – are you in?

    Read our report on how financial services leaders are reshaping commerce through innovation.

  • Shifting toward maturity

    Financial services organizations are making strides managing third-party risk, even as challenges persist. Read key findings from our 2016 financial services third-party risk management survey.

  • 2016 CCAR/DFAST results

    The Federal Reserve Board (FRB) released this year’s Dodd-Frank Act stress testing (DFAST) and Comprehensive Capital Analysis and Review (CCAR) results in June.

  • Fundamental review of the trading book

    Get highlights of recent Basel Committee's overhaul of the market risk regulatory capital framework with the Fundamental Review of the trading book (FRTB).

  • Regulating from within

    As banks face an array of challenges, will rethinking strategy help them thrive? We explore trends that will impact their strategies to drive a sustainable future.

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 - Unconventional Wisdom Unconventional Wisdom
    Banks that understand regulation and FinTech are on track for success, writes Anthony Caterino, EY Americas Financial Services Leader, in an article for Institutional Investor.

    EY - 2016 CCAR/DFAST results 2016 CCAR/DFAST results
    The Federal Reserve Board (FRB) released this year’s Dodd-Frank Act stress testing (DFAST) and Comprehensive Capital Analysis and Review (CCAR) results on June 23, 2016 and June 29, 2016, respectively. DFAST and CCAR are complementary exercises conducted by the FRB to assess the quality of the capital planning processes of large bank holding companies (BHCs) and whether these BHCs have sufficient capital to absorb losses through stressed economic conditions.

    EY - Incentive-based compensation arrangements rule Incentive-based compensation arrangements rule
    Federal agencies re-proposed an incentive-based compensation rule in April 2016 and hope to finalize the rule by November 2016.

    EY - SCCL for large banking organizations Single counterparty credit limits (SCCL) for large banking organizations
    The Federal Reserve Board of Governors (FRB) approved a second notice of proposed rulemaking (“re-proposal”) to establish SCCL for large bank holding companies (BHCs).

    EY - Regulatory Alert - February 2016 Comprehensive Capital Analysis Review (CCAR) 2016
    The Federal Reserve Board recently released the supervisory scenarios for CCAR and Dodd-Frank Act stress test exercises to firms participating in CCAR. Some new features in the CCAR 2016 instructions warrant particular attention.

    EY - Federal Reserve Board announces CCAR/DFAST results Federal Reserve Board announces CCAR/DFAST results
    Get highlights of recent FRB results regarding the Comprehensive Capital Analysis and Review and Dodd-Frank Act stress testing, and see what's in store for 2016.

    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.

    EY - Enhanced Prudential Standards for FBOs Enhanced Prudential Standards for FBOs
    The Federal Reserve Board recently approved the final rule establishing Enhanced Prudential Standards for large Foreign Banking Organizations and US bank holding companies.

    EY - Living wills for banks face new scrutiny Living wills for banks face new scrutiny
    In this article for ABA Banking Journal, Brian Boyle and Daniel Scrafford discuss steps banks can take to satisfy requirements around Dodd-Frank-mandated resolution plans.

     

  • 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 - Impacts and Implementation of RESPA/TILA Impacts and Implementation of RESPA/TILA
    Aimed at simplifying the mortgage process and creating a more consumer-friendly experience, the changes in the mortgage origination process brought about by the Rule fundamentally alter lending operations.

    EY - Taking a holistic approach to banking regulations Taking a holistic approach to banking regulations
    While it is important to have adequate processes for each new regulation, it is also crucial to look at the regulatory environment as a whole.

    EY - Margin policy for non-cleared OTC derivatives Margin policy for non-cleared OTC derivatives
    Proposed reforms will impose significant challenges across all functions of the collateral management life cycle. How can you prepare?

    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.

    EY - Navigating swap dealer examinations Navigating swap dealer examinations
    The National Futures Association recently provided guidance and timing around the examination process for swap dealers. Learn what chief compliance officers can do to prepare.

    EY - Social media risk management and FFIEC-proposed guidance Social media risk management
    Our alert analyzes a proposal from the Federal Financial Institutions Examination Council and how that guidance can create a framework to handle social media-related risk.

    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 - Bank director’s summit 2015 recap Bank director’s summit 2015 recap
    The impact of regulation on bank structures, the need for agility in attracting investment, potential systemic risk stemming from reduced market liquidity, active investors and board-shareholder engagement were the key themes of this year’s summit. Non-executive directors and senior executives from the largest global banks were joined by regulators and investors.

    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 - AReforming 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.

     

  • Emerging markets
    EY - Microfinance and women's empowerment Microfinance and women's empowerment
    What do we know about the potential — and limits — of microfinance for closing the gender gap worldwide?

    EY - Future directions for foreign banks in China Future directions for foreign banks in China
    With significant initiatives such as Renminbi internationalization and opening up the capital account, foreign banks in China are on the cusp of a new era.

    EY - Banking in emerging markets 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 - World Islamic Banking Competitiveness Report 2013–14 World Islamic Banking Competitiveness
    Report 2013–14

    Bahrain and six rapid-growth markets (Qatar, Indonesia, Saudi Arabia, Malaysia, UAE and Turkey) will drive the next wave in Islamic finance.
  • Banking performance improvement

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

    EY - Payments — the new player domain Payments — the new player domain
    Even the most basic understanding of how a payment moves between customers requires an end-to-end focus.

    EY - The state of automotive finance The state of automotive finance
    As the auto finance market nears full recovery, new risks threaten its continued success and profitability.

    EY - Navigating challenges in the credit card industry Navigating challenges in the credit card industry
    Learn how to improve the full lifecycle of card and payment activities, including acquirer, merchant and issuer processing.

    EY - Wholesale banking in a new era Wholesale banking in a new era
    Market volatility and regulatory reforms have led to changes in how corporations manage banking relationships.

    EY - Banking 2014: Guiding an industry in transition Banking 2014: Guiding an industry in transition
    The financial crisis and subsequent regulatory reform have had lasting effects on the banking industry. Explore how we can help you navigate the new environment.

    EY - Are you prepared for EMV? Are you prepared for EMV?
    EMV (Europay, MasterCard and Visa) is an emerging global standard for credit and debit cards. We explore EMV migration and how issuers are preparing.

    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 Q2 2015 earnings calls Key themes from Q3 2015 earnings calls
    Largely constructive first half of the year gives way to negative third quarter. Learn more in our 3Q2015 report.

    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 - FinTech adoption index FinTech adoption index
    With financial technology use growing dramatically, we surveyed 10,000 digitally active people to see what’s driving adoption.

    EY - Transforming banking: Global Banking Outlook Transforming banking: Global Banking Outlook
    Global megatrends, stakeholder pressure and lackluster economic growth will drive both evolution and revolution for banks over the next decade.

    EY - US securitization market re-emerging US securitization market re-emerging
    The structured finance market is beginning to rebound, thanks in part to reduced uncertainty around regulatory reform.

    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 next generation of financial advisors The next generation of financial advisors
    Demographic shifts are simultaneously increasing the demand for investment services and thinning the ranks of qualified financial advisors. Learn six strategies to fill this gap.

    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 - 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 - 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 - Global 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.

    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.

    EY - Global banks Tips for working with borrowers in trouble
    In the midst of rising debt volumes, we offer tips to help lenders and servicers achieve timely and successful resolutions.


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EY Bank Relevance Index

EY Bank Relevance Index


Webcast: Robotics - enabling the next wave of transformation in financial services

EY - Webcast: Robotics - enabling the next wave of transformation in financial services

Replay available here

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  • Trends in risk management — Peter Davis, Principal, Ernst & Young LLP, provides insight into the risk agenda and managing regulatory change.
  • Future of banking — Hank Prybylski, Partner, Ernst & Young LLP, explores areas banks should focus on to be successful moving forward.