Ezelman Intelligence — Practitioner-grade essays on EU bank regulation https://ezelman.com/intelligence/ Senior-led essays on CRR3, Basel IV, ECB on-site inspections, ICAAP / SREP and stress testing — written for the people who run the bank. en-gb © 2020–2026 Ezelman hmohammad@ezelman.com (Hannan Mohammad) hmohammad@ezelman.com (Hannan Mohammad) Sun, 03 May 2026 09:00:00 +0000 Sun, 03 May 2026 09:00:00 +0000 Banking Regulation CRR3 / Basel IV ECB Supervision Credit Conversion Factor (CCF) under CRR3 — a 5-minute CFO read https://ezelman.com/intelligence/articles/ccf-five-minute-read/ https://ezelman.com/intelligence/articles/ccf-five-minute-read/ What CCF means in CRR3, why it's the canary on the EBA mandate pipeline, and where 25-35 bps of RWA optimisation hide. 5 minutes for CFOs and CROs. Mon, 05 May 2026 09:00:00 +0000 hmohammad@ezelman.com (Hannan Mohammad) CRR3 / CCF Pillar 2G is where banks lose the most money. The advisory market talks about it the least. https://ezelman.com/intelligence/articles/pillar-2g-formation-logic/ https://ezelman.com/intelligence/articles/pillar-2g-formation-logic/ The ECB doesn't publish the formula, the board doesn't see the draft, and by the time the JST letter lands the number is already set. The machinery — and the operational test that separates banks exiting cycles at zero bps. Tue, 22 Apr 2026 09:00:00 +0000 hmohammad@ezelman.com (Hannan Mohammad) Pillar 2 / SREP Reverse stress testing is the highest-leverage conversation CROs are trying to have with their ECB team. https://ezelman.com/intelligence/articles/reverse-stress-testing-pillar-2-defence/ https://ezelman.com/intelligence/articles/reverse-stress-testing-pillar-2-defence/ Done properly, it converts a qualitative supervisory concern into a quantitative governance artefact — and changes the Pillar 2G trajectory inside a cycle. Wed, 16 Apr 2026 09:00:00 +0000 hmohammad@ezelman.com (Hannan Mohammad) Pillar 2 / SREP The ECB on-site playbook — what your team wishes it knew on day one. https://ezelman.com/intelligence/articles/ecb-onsite-playbook/ https://ezelman.com/intelligence/articles/ecb-onsite-playbook/ An on-site is not an audit. It is a structured adversarial engagement — and the first 48 hours decide the next six months. Fri, 11 Apr 2026 09:00:00 +0000 hmohammad@ezelman.com (Hannan Mohammad) ECB On-site The 2027 EBA EU-wide stress test — a practitioner walkthrough for 2026. https://ezelman.com/intelligence/articles/eba-2026-stress-test-walkthrough/ https://ezelman.com/intelligence/articles/eba-2026-stress-test-walkthrough/ Methodology, ESRB scenario anchors, starting points, management-action discipline — on public data. Tue, 08 Apr 2026 09:00:00 +0000 hmohammad@ezelman.com (Hannan Mohammad) Stress Testing Stress testing is a projection exercise. Reverse stress testing is a governance one. https://ezelman.com/intelligence/articles/stress-test-reverse-preparation/ https://ezelman.com/intelligence/articles/stress-test-reverse-preparation/ The 2025 EBA cycle exposed the same preparation gap we saw in 2023. The fix is not a better engine — it is a different kind of programme. Mon, 04 Apr 2026 09:00:00 +0000 hmohammad@ezelman.com (Hannan Mohammad) Stress Testing Implementing Basel IV — what CRR3 taught us on the ground. https://ezelman.com/intelligence/articles/basel-iv-crr3-leverage/ https://ezelman.com/intelligence/articles/basel-iv-crr3-leverage/ Basel IV in the US, the UK and the GCC will not look like the Basel text. It will look like what CRR3 implementation actually produced inside European G-SIBs. Wed, 02 Apr 2026 09:00:00 +0000 hmohammad@ezelman.com (Hannan Mohammad) Basel IV CRR3 is not a project. It is a pipeline — and CCF is the canary. https://ezelman.com/intelligence/articles/crr3-eba-mandates-ccf/ https://ezelman.com/intelligence/articles/crr3-eba-mandates-ccf/ Level 1 is signed. More than a hundred EBA mandates sit behind it. The banks that will be ready in 2028 are the ones that read the CCF RTS as a forecast, not a technical update. Mon, 31 Mar 2026 09:00:00 +0000 hmohammad@ezelman.com (Hannan Mohammad) CRR3