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Insight Report: Regulation in Global Banking

出版商 Timetric 商品編碼 296292
出版日期 內容資訊 英文 76 Pages
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全球銀行業的法規 Insight Report: Regulation in Global Banking
出版日期: 2014年02月11日 內容資訊: 英文 76 Pages



第1章 摘要整理

第2章 銀行法規的變動

  • 全世界的情形
  • 法律規範的變革:主要的推動因素

第3章 新的銀行法規分析

  • 全球的趨勢:巴塞爾III
    • 巴塞爾III架構
    • 在巴塞爾II及巴塞爾III的必要資本數量:比較分析
  • 南北美洲市場地區的趨勢
    • Dodd-Frank、華爾街改革、消費者保護法(2010年)
    • CARD法(信用卡說明、責任、資訊公開法)(2009年)
    • FATCA(海外帳號納稅法案)及反洗錢(AML)法規
    • 加拿大、南美的趨勢
  • 歐洲市場地區的趨勢
    • 股本法規(CRR)及修正版股本指令(CRD 4)
    • Liikanen建議和結構改革
    • 單一歐元裁決圈(SEPA)智慧卡架構
    • 付款服務指令(PSD)
    • 金融犯罪和逃稅
    • 解決辦法的籌劃和客戶資產的保護
  • 亞太地區域內趨勢
    • 反洗錢(AML)法規
    • 金融犯罪和逃稅
    • 其他主要趨勢
  • 中東、非洲的地區的趨勢

第4章 新趨勢與課題

  • 經營上的趨勢
  • 技術的趨勢
  • 主要課題

第5章 對產業的影響度評估和機會

  • 主要企業部門、企業結構的影響
    • 商品、服務的影響
    • 企業結構的影響
  • 經營上、組織上的機會
  • 企業合併、收購(M&A)
    • 全球銀行業的M&A活動預測
  • 推薦的行動

第6章 附錄


Product Code: VR0980MR

The report provides a detailed overview of regulatory initiatives taken by governments and regulatory bodies across the world in the past few years.

  • It provides an insight into emerging regulations such as Basel III, FATCA and Dodd-Frank, and their impacts on the retail banking industry .
  • It provides a regional analysis of retail banking regulations and their impacts on banks operating in their respective regions.
  • It provides insights into the impact of regulatory developments on banks' key business lines and corporate structures.


Prior to the economic downturn, financial services companies primarily employed high financial leverage to increase profitability. However, these companies have now been pressured to deleverage and seek alternative sources of profit by the changed economic picture, a rise in regulatory mediation, and competitive issues. In this altered environment, a new operating model is needed, one rooted in attaining the primary relationship - or at least one of the main relationships - with the customer, recreating trust, and forging active customer relationships. However, the global financial institutions continue to face numerous tests to bring stability back in the financial system and win customer trust.

Basel III regulations aim to overcome the shortcomings of the Basel II regime, which failed to effectively address risk exposures in the banking industry. The new regime proposes stricter capital and liquidity requirements for banks to ensure they remain resilient to financial shocks. It has also upgraded internal risk assessment processes and disclosure requirements to bring more transparency in banks' functioning. However, given the weak condition of banks due to rising regulatory pressures, operating costs and falling profit margins in several key economies such as the US and members of the European Union (EU), the timing of implementation remains uncertain, with migration to minimum capital requirements already delayed until the end of 2018.


  • This report provides an overview of the level of regulatory enforcement in the banking industry across various regions.
  • It discusses key factors which drive governments and regulatory bodies to formulate and implement these regulations.
  • It analyzes key operational and technological trends among banking institutions as a result of evolving regulatory dynamics and business environments.
  • It discusses the current and future outlook of the retail banking industry and its product classes as a result of these regulations
  • Outlines the market opportunities and challenges for retail banks due to changing regulatory landscape

Reasons To Buy

  • Gain insights into various regulatory developments that have taken place across different markets to combat rising money-laundering activity.
  • Analyze the challenges on the business operations of retail banking institutions due to these regulatory developments.
  • Assess the impact of these regulations on the global economy and financial system, and how financial institutions have been taking initiatives to deal with these changes.
  • Understand the impact on products and services, as well as companies' corporate structures as a result of regulatory developments.

Table of Contents

1. Executive Summary

2. Dynamics of Banking Regulations

  • 2.1. Global Snapshot
  • 2.2. Key Drivers of Changing Regulatory Landscape

3. Analysis of Emerging Banking Regulations

  • 3.1. Global Development - Basel III
    • 3.1.1. Basel III framework
    • 3.1.2. Basel III capital requirement timeline
    • 3.1.3. Comparative assessment of capital requirements under Basel II and Basel III
  • 3.2. Regional Developments in the Americas
    • 3.2.1. The Dodd-Frank Wall Street Reform and Consumer Protection Act, 2010
    • 3.2.2. Credit Card Accountability Responsibility and Disclosure Act (Card Act) of 2009
    • 3.2.3. FATCA and AML Regulations
    • 3.2.4. Developments in Canada and Latin America
  • 3.3. Regional Developments in Europe
    • 3.3.1. Capital Requirements Regulation (CRR) and revised Capital Requirements Directive (CRD 4)
    • 3.3.2. The Liikanen proposal and structural reforms
    • 3.3.3. SEPA cards framework
    • 3.3.4. The Payment Services Directive (PSD)
    • 3.3.5. Financial crimes and tax evasions
    • 3.3.6. Resolution planning and protecting customer assets
  • 3.4. Regional Developments in Asia-Pacific
    • 3.4.1. AML regulations
    • 3.4.2. Financial crimes and tax evasion
    • 3.4.3. Other key developments
  • 3.5. Regional Developments in the Middle East and Africa

4. Emerging Trends and Challenges

  • 4.1. Operational Trends
  • 4.2. Technology Trends
  • 4.3. Key Challenges

5. Impact Assessment on Business and Opportunities

  • 5.1. Impact on Key Business Lines and Corporate Structure
    • 5.1.1. Impact of products and services
    • 5.1.2. Impact on corporate structure
  • 5.2. Operational and Functional Opportunities
  • 5.3. Mergers and Acquisitions
    • 5.3.1. Global banking industry: M&A activity expectations
  • 5.4. Recommended Actions

6. Appendix

  • 6.1. Methodology
  • 6.2. Contact Timetric
  • 6.3. About Timetric
  • 6.4. Timetric's Services
  • 6.5. Disclaimer

List of Tables

  • Table 1: Examples of Punitive Actions by Regulators
  • Table 2: Treatment of New Capital Buffers
  • Table 3: Key Deductions and Adjustments in Calculation of Tier 1 Capital
  • Table 4: G-SIFIs Corresponding to their Additional Capital Requirement
  • Table 5: FATCA Regulations and Impacts
  • Table 6: US Accounts Held By Financial Institutions and Reporting Guidelines
  • Table 7: Exempted Offshore Institutions and Products
  • Table 8: AML Regulations Enacted or Amended in the US, 1970-2004
  • Table 9: Evolution of AML Regulations in the UK, 1993-2012
  • Table 10: Documentation Under KYC Process
  • Table 11: Basel II Implementation in Egypt
  • Table 12: Global AML Compliance Spending (US$ Million), 2008-2017
  • Table 13: Global Banking Industry: M&A Activity Expectations (%), 2013-2014

List of Figures

  • Figure 1: Levels of Regulatory Pressure in Key Regions
  • Figure 2: Adoption of Basel III in Member Countries
  • Figure 3: The Basel III Framework
  • Figure 4: Basel III Timelines for Capital Requirements
  • Figure 5: Basel II vs. Basel III
  • Figure 6: Basel III Preparedness in America, March 2013
  • Figure 7: Completed and In-Process Agreements with Offshore Economies, February 2013
  • Figure 8: Basel III Preparedness in Europe, March 2013
  • Figure 9: Basel III Preparedness in Asia-Pacific, March 2013
  • Figure 10: Impact of AML Regulations on Financial Institutions in Hong Kong
  • Figure 11: Basel III Preparedness in Middle East and Africa, March 2013
  • Figure 12: AML Regulatory Developments, 2010-2013
  • Figure 13: Online Security Device
  • Figure 14: Expected Capital Charges Under Solvency II for Different Asset Classes
  • Figure 15: Global AML Compliance Spending (US$ Million), 2008-2017
  • Figure 16: Regulatory Impact on Key Business Lines and Structure
  • Figure 17: Transaction Costs for Financial Institutions
  • Figure 18: M&A and Insurance Firms
  • Figure 19: Global Banking Industry: M&A Activity Expectations (%), 2013-2014
  • Figure 20: Key Recommendations
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