General Information & Client Services
  • Americas: +1.212.553.1653
  • Asia: +852.3551.3077
  • China: +86.10.6319.6580
  • EMEA: +44.20.7772.5454
  • Japan: +81.3.5408.4100
Media Relations
  • New York: +1.212.553.0376
  • London: +44.20.7772.5456
  • Hong Kong: +852.3758.1350
  • Tokyo: +813.5408.4110
  • Sydney: +61.2.9270.8141
  • Mexico City: +001.888.779.5833
  • Buenos Aires: +0800.666.3506
  • São Paulo: +0800.891.2518
June 21, 2018

EBA launched its Staff Papers series, which provides a platform for EBA staff to disseminate research and thematic analyses to a wider public. The EBA Staff Papers series will feature selected studies on financial regulation, supervisory policy, and legal issues of general interest, to stimulate discussion and public debate. Of the first two papers included in the series, one analyzes credit supply and real effects of bank bail-ins and the other proposes a standardized classification of bank business models in EU.

Sharing the Pain? Credit Supply and Real Effects of Bank Bail-ins. This paper analyzes the credit supply and real sector effects of bank bail-ins by exploiting the unexpected failure of a major Portuguese bank and its subsequent resolution. The authors show that firms more exposed to the bail-in did not suffer a reduction of overall credit after the intervention when compared to less exposed firms. While banks more exposed to the bail-in significantly reduced credit supply at the intensive margin, affected firms compensated the overall credit tightening with other sources of funding. This issue is particularly important in the context of small and medium enterprises, which rely significantly on the existing banking relationships. The paper is co-authored by the EBA staff member Samuel Da Rocha Lopes with Thorsten Beck and F. Silva from the Cass Business School.

Identification of EU bank business models. This paper proposes a standardized classification of business models of EU banks. The work is based on a rich and unique data set collected for the first time for the full population of EU banks at the individual level. The proposed classification approach combines both a qualitative and a quantitative component. The qualitative component is based on an expert knowledge of the supervisory authority, which is confirmed or challenged by quantitative indicators. The business model categorization can provide the supervisory and regulatory authorities with a benchmark for classifying institutions for a more structured and consistent approach to regulatory impact assessment, analyzing trends and risks, proportionality, and supervision. The paper is co-authored by EBA staff members Marina Cernov and Teresa Urbano.

 
Related Links

Keywords: Europe, EU, Banking, Staff Paper Series, Bail-In, Credit Risk, Business Models, EBA

Related Insights
News

MAS Amends Notice 637 on Capital Adequacy Requirements in Singapore

MAS published the final, revised Notice 637 on the risk-based capital adequacy requirements in Singapore.

November 13, 2018 WebPage Regulatory News
News

ESMA Updates Q&A on Implementation of CSD Regulation and MAR

ESMA updated questions and answers (Q&A) documents on the implementation of the Central Securities Depository (CSD) Regulation and Market Abuse Regulation (MAR).

November 12, 2018 WebPage Regulatory News
News

FSB Finalizes and Publishes the Cyber Lexicon

FSB published a cyber lexicon, following the public consultation earlier this year.

November 12, 2018 WebPage Regulatory News
News

SRB Updates Liability Data Reporting Template for 2019

SRB published version 2.7.1 of the Liability Data Reporting (LDR) Template.

November 12, 2018 WebPage Regulatory News
News

IMF Publishes Reports on the 2018 Article IV Consultation with Chile

IMF published its staff report and selected issues report under the 2018 Article IV consultation with Chile.

November 09, 2018 WebPage Regulatory News
News

PRA Issues PS27/18 on Implementing the Extension of SM&CR to Insurers

PRA published the policy statement PS27/18, which provides feedback to responses to the consultation paper CP20/18, on implementing the extension of the Senior Managers and Certification Regime (SM&CR) to insurers (Part 2).

November 09, 2018 WebPage Regulatory News
News

EBA Single Rulebook Q&A: First Update for November 2018

EBA published answers to seven questions under the Single Rulebook question and answer (Q&A) updates for this week.

November 09, 2018 WebPage Regulatory News
News

FED Finalizes the Large Financial Institution Rating System

FED finalized the new supervisory rating system for Large Financial Institutions (LFIs), to better align with the current supervisory programs and practices for these firms.

November 09, 2018 WebPage Regulatory News
News

ECB Publishes Guides for Capital and Liquidity Management by Banks

ECB published the guides for capital and liquidity management by banks in EU.

November 09, 2018 WebPage Regulatory News
News

EC Amends Regulation on Prudent Valuation for Supervisory Reporting

EC published the amended Implementing Regulation (EU) 2018/1627 on prudent valuation for supervisory reporting. Regulation 2018/1627 amends the Implementing Regulation 680/2014.

November 09, 2018 WebPage Regulatory News
RESULTS 1 - 10 OF 2199