Senior-led commentary on CRR3, Basel IV, ECB on-site inspections, stress testing, and regulatory transformation — from practitioners who have been in the room.
The ECB announced a reverse geopolitical stress test on 110 directly supervised banks — requiring each institution to design the scenario that causes its own 300bps CET1 depletion. This is not a compliance exercise. Here is what it means, why the deadline is now, and what separates the banks doing it well from those that aren't.
60% of OSI findings are repeat deficiencies. Mobilisation is too late. The wrong people are in the room. A practitioner's breakdown of the five patterns that consistently undermine banks during the most consequential supervisory event they face.
The output floor, IRB recalibration, SA-CCR, and FRTB each reshape RWA — but most banks optimise each axis independently and miss the interaction effects. A capital strategy framework for the CRR3 era.
Data governance as an afterthought. IRB recalibration without capital strategy. Business lines excluded. The five failure modes that repeat across CRR3 programmes — and what the top quartile does differently.
Most bank ICAAPs are technically sophisticated documents that never change a single business decision. That is the problem. How to transform stress testing from a compliance exercise into a genuine management tool — and what the ECB is now demanding.
The assumption that GCC banks lag by a decade is both true and misleading. Where the EU has a genuine lead, where the GCC is ahead or differently positioned, and what both sides can learn. A practitioner comparison across SAMA, CBUAE, QCB and the ECB.
EBA consultation on major simplification of supervisory reporting: ~50% net reduction in data points, 16% reduction in ITS supervisory reporting requirements, SNCI proportionality strengthened. Consultation closes 10 July 2026. What banks need to do now.