Stay ahead of regulatory change
Curated analysis of Basel IV, CRR3, ECB inspection trends, and strategic regulatory developments impacting Tier-One banks across Europe, the UK, the US, and the GCC.
Ezelman 2026–2030 Regulatory Thesis
The 8-page CRO-facing view. Binding constraints, Pillar 2G trajectory, CRR3 output-floor scenarios.
Download (email required) →CFO Capital-Impact Case — material CET1 unlock
Anonymised European G-SIB. The qualitative shape of the levers, the RWA move, and the ECB conversation that closed it out. Mandate-specific figures withheld; public-data calibration on request.
Publishing autumn 2026What moved this month across EU, UK, US & GCC
Four jurisdictions. One discipline. Every item below is a live file we are tracking on behalf of our clients.
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The Radar — now through 2028
Rings are time horizons; colour bands are jurisdictions. Snapshot as of 1 October 2026.
ECB On-Site Inspection Trends: What We See in 2026
Based on 10+ recent inspections across Europe, the key themes ECB teams are focusing on — and how to prepare before the inspection letter arrives. Practical readiness frameworks.
February 2026 CRR3 / RTSRTS on CCF: The Hidden Capital Multiplier Under CRR3
A practitioner's analysis of the revised CCF framework under CRR3 — impact on off-balance sheet exposures, SA-CR calibration, IRB own-estimate CCF floors, and quantitative impact analysis for a €50bn+ balance sheet.
April 2026 EBA / STRESS TESTING Consultation closed · 10 Jul 2026 · retitled 11 Oct 2026Stress-Test Data in Supervisory Reporting: The EBA Simplification ITS (Module 4) — Impacts & Challenges
EBA/CP/2026/07, consulted 10 April to 10 July 2026 · final ITS expected after the consultation · proposed application from September 2027 reference dates. Module 4 folds the stress-test data collection into regular ITS reporting — what that changes for the reference balance sheet, reconciliation to COREP/FINREP, NPE classification and projection engines, with the starting-point rules themselves set in the EBA 2027 methodological note.
Updated 15 July 2026 EBA / 2027 EXERCISEThe 2027 EBA EU-wide stress test — a practitioner walkthrough for 2026
Methodology rails carried forward from 2023 and 2025, ESRB scenario anchors, starting points from FY2025 Pillar 3, depletion bands calibrated on public data, management-action discipline, and how the JST reads the output. The preparation year is now.
April 2026 EBA / RTSRTS on IRB Model Assessment: Materiality of Model Changes
Analysis of the EBA Regulatory Technical Standards on materiality assessment for IRB model changes — when model modifications trigger a full re-approval process vs. notification, and practical implications for banks managing large model inventories.
February 2026 ECB / GEOPOLITICALReverse Geopolitical Stress Tests: What ECB Banking Supervision is Quietly Building
Geopolitical risk has moved from an ICAAP footnote to a live driver of the supervisory agenda. The reverse geopolitical stress test is the part most banks have not yet understood — scenario archetypes, transmission architecture, and the governance ECB Banking Supervision actually expects.
April 2026 Reporting series · 1/3COREP under CRR3: What Changes in the Prudential Return
Part 1 of the reporting-rebuild series. Review of the EBA Implementing Technical Standards on supervisory reporting under CRR3 — COREP template changes, Output Floor disclosures, FRTB reporting, and the transition timeline.
January 2026 Reporting series · 2/3FINREP under Basel IV / CRR3: The Quiet Half of the Reporting Rebuild
Part 2. IFRS 9 stage-migration, FINREP ↔ COREP ↔ Pillar 3 three-way reconciliation, the ESG overlay, and the EBA data-quality regime. The half of the programme that loses the budget fight — and shouldn't.
April 2026 Reporting series · 3/3AnaCredit: The Granular Credit Dataset Supervisors Actually Use
Part 3. ~95 attributes per loan under Regulation (EU) 2016/867 (ECB/2016/13), how JSTs and the SSM triangulate AnaCredit against FINREP and COREP, and what that means for data lineage, IRB validation and on-site inspection.
April 2026 ECB / SSMECB Supervisory Priorities 2026: What Banks Should Focus On
Breakdown of the ECB's published supervisory priorities for 2026 — credit risk management under macro uncertainty, operational resilience, and CRR3 implementation readiness. Practical recommendations for banks in the SSM perimeter.
December 2025 CRR3CRR3 Implementation: What Banks Must Do Before January 2027
A practitioner's timeline for the remaining CRR3 milestones — SA-CR parallel runs, Output Floor phase-in, and FRTB reporting. Critical deadlines and execution roadmap for the home stretch.
March 2026 GCCBasel IV in the Gulf: Readiness Assessment for GCC Banks
How GCC central banks are adapting Basel IV implementation timelines and what Tier-1 regional banks should prioritise in 2026–2027. Regional regulatory roadmap and compliance priorities.
January 2026 ECB / SSMECB streamlining of supervisory guidance: what survives, what gets rewritten
The ECB reviewed ~130 supervisory publications on 26 June 2026 and discontinued ~40. The OSI/IMI and risk-data guides are queued for rewrite by end-2026 — a delta review for every live remediation and inspection-prep programme.
July 2026 PRA / FRTBPRA CP9/26: the market-risk IMA just became more attainable
The June 2026 consultation loosens PLAT and risk-factor eligibility and restructures NMRFs ahead of the UK IMA go-live on 1 January 2028. Desks that shelved an IMA application on FRTB economics should re-run the numbers.
July 2026 EBA / SREPEBA revised SREP Guidelines: the framework the 2027 P2R will be set under
Final Report published 26 June 2026 (EBA/GL/2026/06), applies 1 January 2027. One consolidated framework, ICT risk inside operational risk under DORA, CSRBB explicit — and the P2R interaction operationalised for banks bound by the output floor.
July 2026 Stress testEBA 2027 EU-wide Stress Test — Draft Methodology Consultation
Released 11 June 2026: 55 % data-point cut, first-ever climate module, 63 banks in scope. Consultation closed 7 August; the final package is expected by end-2026 and the ESRB adverse scenario with the January 2027 launch, by analogy with the 2025 cycle (the EBA has not yet published the 2027 calendar) — what supervisors will read in the responses, and what the SREP 2027 decisions, applicable from 1 January 2028, inherit.
July 2026 EBA / CRR3EBA op-risk management RTS: the framework behind the SMA formula
Consultation opened 26 August 2026 (EBA/CP/2026/18) under Article 323(2) CRR: governance roles, an independent op-risk function, loss-data classification, validation and audit — with simplified requirements below a €750m business indicator. Public hearing 29 September; closes 31 December 2026.
September 2026