Hannan Mohammad

The thesis I'm building Ezelman around.

Compliance is a cost centre. Regulation is a competitive arena. Most banks hire advisory firms that treat CRR3, CRR3's US cousin, ICAAP, ECB inspections and stress tests as paperwork to survive. I don't. I believe there is anywhere between 30 and 80 bps of CET1 — and one to two notches of ROE — hidden in any large bank's regulatory stack, and that releasing it is a job for senior practitioners who have sat on the bank's side of the table, not consultants who have read the rule.

Ezelman exists because the four-letter firms are staffed to deliver a programme, not to defend a position. We do the second thing. We ship on time — and we bring back 50 bps of CET1 on the way.

Where Hannan's work has been read.

Selected external publications, podcasts and platforms that have cited or featured Hannan Mohammad on CRR3, Basel IV, ECB supervisory practice and stress testing.

Long-form essays.

Four practitioner essays — each one the kind of memo I would write for a CRO, not a marketing team. Read them in the clear. The benchmarks that sit behind each one are in Ezelman Intelligence.

Where to read and hear me.

On LinkedIn, I publish a monthly post on whichever regulatory topic is about to move — typically a contrarian read on a rule most advisors are describing too politely. Follow the feed →

On X, shorter commentary: ECB speeches, EBA consultation reactions, supervisory dialogue craft.

On the Regulatory Radar, Ezelman's quarterly deep dive — currently free, moving to a soft email gate in Q3 2026. Read the current edition →

On Ezelman Intelligence, our paid membership, I host a monthly 90-minute call with a small group of CROs and Heads of Risk. Request an invite →

On speaking, I am available for Board-level briefings, conference keynotes and closed executive roundtables in Europe, the Gulf and the US. Drop a line with the event brief: contact@ezelman.com.