- On Regulation, Supervision, (De)Leveraging and Banking Competition: Harder, Better, Faster, Stronger?
5 April 2011
This paper examines international differences in banks’ capital structure adjustments across a large panel of 94 countries over the period 1993 to 2007. A bank's ability to adjust its capital ratio…
- Banking Union: Aspects of the Single Supervisory Mechanism and the Single Resolution Mechanism Compared
Report · 28 April 2015
The Banking Union is based on different components, partly on directives applicable throughout the EU, partly on two regulations applicable only in the euro states introducing the Single Supervisory…
- Rural and Micro Finance Regulation in Ghana: Implications for Development and Performance of the Industry
7 May 2011
Legislation and regulations governing rural and micro finance institutions (RMFIs) in Ghana have evolved with the market, both opening up possibilities for new types of institutions and tightening up…
- Architects of Stability? International Cooperation Among Financial Supervisors
Report · 20 September 2007
The objective of this paper is to provide a balanced assessment of international cooperation among financial regulators, with a focus on banking supervision. While recognizing the undeniable - and…
- Stressed Banks? Evidence from the Largest-Ever Supervisory Review
Report · 20 November 2020
Regulation needs effective supervision; but regulated entities may deviate with unobserved actions. For identification, we analyze banks, exploiting the European Central Bank’s asset-quality-review…
- Remarks on Blockchain and Distributed Ledger Technology in Financial Market Infrastructures
Report · 5 March 2024
Distributed Ledger Technology (built on a blockchain) enables peer to peer interactions between financial institutions without the need for any distinguished, trusted intermediaries. In principle…
- Bank Stability as a Public Good
14 September 2018
The bank stability is a key factor to public confidence and the functioning of the economy. The provision of the public good “bank stability” falls within the competence of the state. The expansion…
- Stressed Banks? Evidence from the Largest-Ever Supervisory Review
30 April 2020
Regulation needs effective supervision; but regulated entities may deviate with unobserved actions. For identification, we analyze banks, exploiting ECB's asset-quality-review (AQR) and supervisory…
- Market-Based Regulation and the Informational Content of Prices
17 December 2006
Various laws and policy proposals call for regulators to make use of the information reflected in market prices. We focus on a leading example of such a proposal, namely that bank supervision should…
- Phoenix Rising: Legal Reforms and Changes in Valuations in Finland During the Economic Crisis
28 October 2006
Finland experienced an extremely severe economic depression in the early 1990s. As a part of the government's crisis management policies, significant new legislation was passed that increased…
- The Role of Business Model Analysis in the Supervision of Insurers
Report · 27 March 2014
The Prudential Regulation Authority (PRA) supervises insurance companies since, in the absence of regulation, there could be adverse effects for policyholders and financial stability. Like all firms…
- Shifts in Competences between Member States and the EU in the New Supervisory System for Credit Institutions and Their Consequences for Judicial Protection
Report · 21 January 2015
The Single Supervisory Mechanism (SSM) is a striking example of the tendency within the EU to transfer decisive, regulatory and enforcement powers to the EU level. The SSM involves a complex system…
- Big Bank Boards: The Case for Heightened Administrative Enforcement
27 January 2018
Traditional mechanisms for monitoring management behavior in the form of shareholder derivative claims of breach of fiduciary duty are not well suited to the task of monitoring bank managers’…
- Disruptive Technology, Long-Run Risk, and Asset Prices
5 September 2014
This paper studies the long-run risk embedded in the news on investment-specific technology (IST), such as the emergence of AI-enhanced robotics, which can substantially change the production…
- Why Do Supervisors Rate Banking Organizations?
10 December 2021
This article addresses a question that at first may appear simple: why do supervisors rate banking organizations? Prudential supervisors have a long-standing practice of confidentially rating the…
- SVB 사태의 교훈: 금융감독 제도의 개선 방향(Lessons from the SVB Failure: How to Fix the Financial Supervision System)
Report · 7 July 2025
This paper reviews policy reports and white papers to analyze the causes of the Silicon Valley Bank (SVB) collapse in March 2023 and the response of financial supervisory authorities. Our findings…
- The Real Effects of Banking Supervision: Evidence from Enforcement Actions
Report · 13 March 2014
We present a novel way to examine macro-financial linkages by focusing on the real effects of bank supervisors’ enforcement actions. Exploiting plausibly exogenous variation in supervisory monitoring…
- Public Risk Governance in Banking: A UK View
10 June 2014
This paper tackles the issue of risk governance of the banking sector. Since the 2007 financial crisis, there has been an increased awareness of risk governance in the banking sector. The importance…
- European Banking, Insurance and Investment Services Law: Cutting Through Sectoral Lines?
28 October 2015
Financial law and supervision are to a large extent divided into three separate branches – banking, securities and insurance law – reflecting the three traditional sectors of the financial industry.…
- The principle of proportionality as an area of national discretion
30 August 2023
It has already been discussed in detail in CEBS’s technical advice to the European Commission on options and national discretions of 2008: the principle of proportionality has been an important theme…
- Does Basel Compliance Matter for Bank Performance?
26 May 2016
The global financial crisis underscored the importance of regulation and supervision to a well-functioning banking system that efficiently channels financial resources into investment. In this paper…
- Choice of Rating Technology and Price Formation in Imperfect Credit Markets
17 May 2007
urate rating systems are of key importance for banks to price and manage their loan portfolios. In this paper we analyze the choice of the rating technology in an oligopolistic banking sector. In our…
- CLUSTERING BANK RISK AND PERFORMANCE IN VIETNAM POLICY IMPLICATIONS FOR EARLY-WARNING SUPERVISION
Report · 4 November 2025
This study applies Principal Component Analysis (PCA) and the K-means clustering algorithm to classify commercial banks in Vietnam according to financial performance and risk characteristics during…
- Is Meta-Regulation All It's Cracked Up to Be? The Case of UK Financial Regulation
27 September 2013
One of the key components of regulatory regimes is the approach that the regulator adopts towards the supervision of the regulated. Regulators are therefore always looking for supervisory approaches…
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