Regulation of Financial Institutions
The latest developments in regulation and capital requirements for banks and insurers globally.

    14 Jan 2020|Moody's Investors Service
    The new Current Expected Credit Losses (CECL) accounting standard1 will have a limited impact on the loan loss reserves of most large listed banks in the US, according to banks' preliminary estimates in third quarter SEC filings, largely reflecting favorable macroeconomic conditions and the banks' current high capital adequacy.

    17 Dec 2019|Moody's Investors Service
    On 16 December 2019, the Bank of England (BoE) released the results of its annual test of the UK’s seven largest lenders' ability to withstand severely stressed economic conditions. All seven participating lenders maintained capital ratios above their minimum required thresholds in the Bank of England's 2019 stress test, helped by management actions.

    23 Dec 2019|Moody's Investors Service
    Climate change stress tests are credit positive as they will help banks and insurers understand the consequences of climate change for their business, and support their risk management.
    17 Dec 2019|Moody's Investors Service
    EBA action plan on sustainable finance will have a number of credit implication for EU banks, although the long-term plan rollout means that the short-term credit effects will be limited.

    02 Dec 2019|Moody's Investors Service
    We expect the European Commission’s review of the Solvency II capital regime, following advice provided by the European Insurance and Occupational Pension Authority (EIOPA), to result in a modest decline in insurers’ solvency ratios.