EBA欧洲银行-EBA-BSG-2016-002-28Minutes-of-the-15-December-2015-meeting29_12页_234kb

报告摘要

EBA Banking Stakeholder Group (BSG) Meeting Summary – 15 December 2018

Core Content

The EBA Banking Stakeholder Group (BSG) meeting held on 15 December 2018 focused on several key topics, including updates on regulatory developments, the preparation of reports, and the ongoing work of technical working groups. The meeting aimed to align stakeholders with the EBA's activities and ensure the effective implementation of regulatory frameworks across the EU banking sector.

Main Points and Discussions

1. Approval of Agenda and Minutes

The BSG approved the provisional agenda and the minutes of the 26 October 2015 meeting.
The BSG Chairperson updated members on recent developments and allocated outstanding papers.

2. BSG to Update on Developments

A) BSG Report on Proportionality

A conference was planned for 15 January 2016 in Brussels to present the BSG Report on Proportionality.
The report was suggested to be submitted to the European Commission's Call for evidence on the EU Regulatory Framework for financial services.
BSG members were asked to provide feedback on whether to make a formal response in addition to the report.
The report was to be disseminated to over 500 targeted individuals, including press officers, journalists, and EU institutions.

B) End of Term of Office Report (ETOR)

The BSG Chairperson proposed the structure of the ETOR, including a general part and topical statements.
Members were requested to provide input on the content of the report.
EBA staff circulated the EBA's suggestions to amend the BSG composition and the first version of the ETOR.

3. EBA to Update on General Developments

The EBA was planning a 5th-anniversary conference in London on 5 February 2016.
The deadline for BSG membership applications for the next term was 15 December.
The EBA was working on Pillar 3 and planned to address it in mid-2016.
A draft Opinion on Maximum Distributable Amount (MDA) was presented, focusing on transparency of Pillar II requirements.
Regulatory products on proportionality and the Net Stable Funding Ratio (NSFR) were mentioned, including simplifications for small banks.

4. EBA to Update on Risks and Vulnerabilities

The EBA staff presented an overview of risks and vulnerabilities in the European banking system, including:
- Leverage ratio calibration until 2018.
- Lending business trends and growth in consumer finance and commercial real estate.
- Cross-country sovereign bond holdings and asset quality concerns.
- Risks from emerging markets and global economic slowdown.
BSG members raised concerns about the short-term focus of the report and suggested a longer-term analysis.
Questions were raised about SME lending prospects and the sustainability of RoE trends.

5. 2016 EU-wide Stress Tests

The 2016 stress tests would use a bottom-up and static balance-sheet approach, without a pass-fail mechanism.
The time horizon was 2016–2018, based on end-2015 data.
The sample included 53 banks (39 from SSM countries, 14 from others).
Conduct risk was added to the scope for 2016.
BSG members emphasized the importance of dialogue between supervisors and banks, and raised concerns about risk sensitivity and conduct risk.

6. EBA to Update on Consumer Protection and Financial Innovation

The EBA presented a consultation paper on remuneration for sales staff, with questions raised about audit requirements, collective bargaining, and quantitative objectives.
Two other papers were discussed: a DP on the EBA benchmark rate and a CP on automation in financial advice.
Concerns were raised about the commercial use of consumer data, highlighting differences across the EU and the need for a balanced approach.

7. EBA to Update on Payments

The EBA outlined its mandates under PSD2, including six technical standards, five guidelines, and a register.
Three regulatory products were presented: Strong Authentication and Secure Communication, Cooperation and Exchange of Information under PSD2, and Separation of Payment Card Schemes and Processing Entities.

8. Updates from BSG

A) Transparency of Pillar 2 Requirements

A BSG member presented a case study on Swedish banks, highlighting the lack of transparency in Pillar 2 requirements despite the FSA's approach.

B) Development of the Green Bonds Market

A BSG member discussed the growth of the green bonds market since 2012, the minimum requirements for categorization, and the potential impacts on transparency and accountability.
Concerns were raised about the sustainability of profitability and the environmental impact of green bonds.

Key Information

The BSG was actively involved in shaping EBA reports and guidelines, particularly on proportionality and remuneration.
The EBA was planning to launch consultations and impact assessments on various topics, including IFRS 9, stress testing, and consumer data use.
There were ongoing discussions on the harmonization of regulatory approaches across the EU and the need for alignment with national practices.
The meeting highlighted the importance of transparency, risk management, and the long-term sustainability of banking practices.

Participants

From the BSG: Mike Dailly, Anne Fily, Sandra Hafner, Alin Eugen Iacob, Roberto Priester, Chris De Noose, Arnold Kuijpers, Zdenek Hustak, Nikolaos Daskalakis, Louise Lindgren, Javier Contreras Forns, Ute Meyenberg, Jesper Bo Nielsen, Michel Bilger, Robin Jarvis, José Antonio Gonzalo-Angulo, Holger Schwannecke, Sabine Masuch, Bostjan Krisper, Dermott Jewell, Alf Alvinussien, Dominic Lindley, David Llewellyn, Andrea Resti.
From the EBA: Andrea Enria (Chairperson), Adam Farkas (Executive Director), Slavka Eley, Corinne Kaufman, Mario Quagliariello, Rita Bairros, Cédric Coraillon-Parquet, Samuel de La Rocha, Geoffroy Goffinet, Angel Monzon, Vinay Pranjivan, Bernd Rummel, Dorota Slawek.