Resumen
Summary Banking Supervision, ECB and SREP
- Grado
- Banking
- Institución
- Universidad Carlos III De Madrid (UC3M)
Summary of banking supervision in the EU, role of the ECB and the SREP process explained. Contains charts and graphs.
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RISK MANAGEMENT CENTRAL BANKSBANKING SUPERVISION
1. WHAT IS BANKING SUPERVISION
2. SUPERVISORY REVIEW AND EVALUATION PROCESS
3. OTHER DIMENSIONS
4. 2023 OTHER SUPERVISORY PRIORITIES
5. KATEAWAYS
1. WHAT IS BANKING SUPERVISION
Objectives:
- Safety of the banking system
- Increase financial integration
- Ensure consistent supervision
Powers of supervisors:
- Carry out stress tests
- Conduct inspections
- Ensure compliance with EU rules
- Set higher Capital Requirements
- Impose sanctions
SREP: Supervisory Review and Evaluation Process
Total Capital Req= P1+ P2G
Overall Cap Req= P1+ P2G + buffers
Who is supervised?
Significant banks direct supervision
Insignificant banks indirect supervision
The rest of financial institutions are not supervised (only banks).
Significance criteria:
- Size > 30 bn
- Economic importance
- Cross-border
- Direct public financial assistance
Prudential assessment – Who does it?
The Joint Supervisory teams conduct the SSM (Single Supervisory Mechanism). This is for
SI (significant institutions).
- Who do the JTS teams work?
, o Team of experts Core JTS (sub-coordinator) JST coordinators (chair)
ECB intermediate structure Approval of decisions by Supervisory Board and
Governing Council.
Prudential VS Accounting consolidation Scope and Reporting
Prudential:
- FINREP:
o Prudential scope of the consolidation
o Needed by supervisors
o Accounting data
- COREP
o Prudential scope of the consolidation
o Needed by supervisors
o Prudential data
Accounting: Public Financial Statements Needed for markets- investors / accounting
scope.
… From a prudential perspective, banks should leave out non-financial entities for their
regulator’s consolidation (ECB).
2. SUPERVISORY REVIEW AND EVALUATION PROCESS
What is the SREP?
Activity by which banks are monitored to assess their risks, business models, sustainability,
management, capital requirement, liquidity.
What informs the SREP?
- Stress Tests (to address banks’ vulnerabilities)
- Supervisory priorities (guide to follow)
- Risk assessment (new areas to consider)
SREP methodology:
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