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Financial Regulation

Capital Regulation as a Driver for Further Consolidation in the Banking Union

Nikos Maragopoulos

In the period following the Global Financial Crisis (2007-2009), the EU bank capital regulation was significantly enhanced through the introduction of stringent requirements aimed to improve the...

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Financial Regulation

Taking Stock of Bank Regulatory Reforms Ten Years After the Failure of Lehman Brothers

Deniz Anginer | Ata Can Bertay | Robert J. Cull | Asli Demirgüç-Kunt | Davide Salvatore Mare

Year 2018 marked the 10th anniversary of the global financial crisis (GFC), one of the most severe since the Great Depression. These ten years have been characterized by intense regulation of banking...

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Financial Regulation

Ten years After the Financial Crisis: 'We Are Safer, But Not As Safe As We Should and Could Be'

Thom Wetzer, Faculty of Law | Jure Jeric | Alexandra Zeitz

The bankruptcy of Lehman Brothers, now ten years ago, was neither the start nor the peak of the financial crisis. Yet, the demise of the iconic investment bank, the fourth-largest in the United...

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Financial Regulation

Beyond Common Equity: The Influence of Secondary Capital on Bank Insolvency Risk

Thomas Conlon | John Cotter | Philip Molyneux

The regulatory requirement for banks to hold capital is related to the safety net afforded by (often implicit) government guarantees. Regulators are also concerned about the possibility of systemic...

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Financial Regulation

The Dark Side of the Implementation of Basel Capital Requirements

Aurelio Gurrea Martínez | Nydia Remolina

Following the recommendations of the Basel Committee on Banking Supervision, most financial systems around the world have imposed new capital requirements for banks in recent years. These moves seem...

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Financial Regulation

Proposals for reforming the SSM with a European Banking Act and a ‘CRR Light’

Matthias Lehmann

The Single Supervisory Mechanism ('SSM') puts the European Central Bank (‘ECB’) in charge of supervising the significant banks in the Eurozone. This mechanism however has serious structural...

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Financial Regulation

The Dialectics of Bank Capital: Regulation and Regulatory Capital Arbitrage

Erik F. Gerding

Whether banks have enough capital has been one of the most contentious issues of financial regulation in the US and in Europe. There is a difference, however, between the level of capital required by...

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