This book provides an introduction to EU banking supervision regulations. It seeks to provide a common basis of knowledge for people working in, or studying, banking supervision in the EU, or those unfamiliar with parts of the broad array of banking supervision requirements and instruments. The focus is on currently applicable regulations, largely drafted before the most recent financial crisis hit, as well as those rules and regulations drafted in its wake, and which are in the process of being rolled out at the date of this publication. It cross-links banking supervision with related subjects such as crisis management, financial stability and monetary policy, payment systems, company law and bankruptcy law. This overview serves both those who currently need to make decisions on banking supervision, and those with a business, scientific or social interest in banking supervision. It can provide the necessary background to assess how proposed legal amendments would fit into the existing supervisory map. In essence this book contains what the author would have liked to know - or to have had easy access to - when starting work in this area. It aims to be useful both for new entrants as well as for experts, providing an overview of the full picture of banking supervision. Learning by doing - the personal experience of the author - often means that practitioners know a lot about 'their' subject, but little about other subjects that are equally important to achieve the wider goals of banking supervision
Opening Remarks; Part A Overview; 1. An Overall Picture of Current Banking Supervision; 2. The Legislative Response to the 2007-2013 Subprime Crisis and the Origins of the Current Prudential Regime; 3. Policy and Legal Basis of Banking Supervision; Part B Bank; 4. What is a Bank?; 5. Market Access; Part C Ongoing Requirements; 6. Quantitative Supervision - Outline And Underpinnings; 7. Quantitative Requirements - Capital and own Funds; 8. Quantitative Requirements - Credit Risk; 9. Quantitative Requirements - Market Risk; 10. Quantitative Requirements - Operational Risk; 11. Quantitative Requirements - Large Exposures; 12. Liquidity Requirements; 13. Organisational Requirements; 14. Own and Supervisory Assessment Process (Pillar 2); 15. Pillar 3 Disclosure By Banks; 16. Conduct of Business Supervision; 17. Consolidated and Solo Requirements; 18. Terminating a Bank - Crisis Management; 19. Non-Bank Prudential Regimes - A Comparison; Part D Prudential Supervisor; 20. Rights and Obligations of the Prudential Supervisor; 21. Domestic and Cross-Border Institutional Set-Up; 22. Financial stability; Part E Legislative Process; 23. The EU Legislative Process for Banking Supervision; Acronyms and Definitions; Index.
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