EBA欧洲银行-EBA-BSG-2013-17-28Minutes-BSG-26-February-201329_12页_277kb

报告摘要

Banking Stakeholder Group Meeting Summary - 26 February 2013

Core Content

The Banking Stakeholder Group (BSG) held a meeting on 26 February 2013, from 09:30 to 17:00 at the EBA. The meeting covered a range of regulatory developments, the election of new leadership, and updates from EBA staff on ongoing projects. Key topics included regulatory frameworks, liquidity requirements, capital preservation, recovery and resolution planning, and the review of the European System of Financial Supervision (ESFS).

Main Points and Key Information

1. Welcome and Approval of Agenda

The BSG Chairperson, Sony Kapoor, thanked members and EBA staff for their support after announcing his resignation due to an accident.
The minutes of the previous BSG meeting were approved.

2. Introduction of New BSG Member

Vera Cottrell was introduced as the new BSG member, following the resignation of Marcin Kawinski.
She expressed interest in participating in BSG Working Groups.

3. Election of New Chairperson and Vice-Chairperson

Sony Kapoor resigned, and David Llewellyn was elected as the new BSG Chairperson by unanimous vote.
Christian Lajoie was elected as the new Vice-Chairperson, also by unanimous vote.

4. Regulatory Developments and EBA Updates

EBA Chairperson's Report:
- Emphasized the need to finalize the G20 financial reform package, particularly Basel III.
- Highlighted concerns about the lack of a clear deadline for Basel III implementation in the US.
- Mentioned the importance of harmonizing definitions like forbearance and non-performing loans, and improving stress testing.
- Announced the publication of an interim report on risk-weighted assets (RWAs) and plans for a follow-up report in June 2013.
- Noted the ongoing discussions on the Banking Union and the Single Supervisory Mechanism (SSM).
- Updated on the Recovery and Resolution Directive, emphasizing the need for BSG input on bail-in tools and their implications.

5. EBA Staff Presentations

Liquidity Work:
- Presented Discussion Papers on retail deposits, liquid assets, and other liquidity-related topics.
- Highlighted the need for better data availability for effective analysis.
- Planned a report on the impact of the Liquidity Coverage Ratio (LCR) without public consultation, but with BSG input.
Risk Assessment:
- Presented findings from the EBA's Risk Assessment Report, noting key risks such as funding, market fragmentation, and asset quality.
- Discussed the potential for a future Risk Assessment Report to include international dimensions of European banks.
Consumer Protection:
- Noted that the EBA's Consumer Trends Report did not address financial advice.
- Proposed that the BSG examine issues related to trust, competence, and advice.
- EBA staff mentioned upcoming investor warnings on Contracts for Difference (CfDs) and a Good Practice Report on ETFs.
Bank Capital:
- Discussed risk-weighted assets and disclosure as potential issues.
- Presented input from the BSG on the EBA's Discussion Paper on prudent valuation.

6. BSG Working Group Reports

Liquidity Working Group:
- Andrea Resti outlined the group's work on the two Discussion Papers.
- Aims to produce a final draft opinion by 21 March 2013.
Consumer Protection Working Group:
- Robin Jarvis was tasked with checking with ESMA on their activities related to financial advice.
- EBA staff informed the group about upcoming investor warnings and reports.
Bank Capital Working Group:
- Louise Lindgren noted the group's focus on risk-weighted assets and disclosure.
- Javier de Andres presented the BSG's input on the EBA's Discussion Paper on prudent valuation.
Systemic Issues Working Group:
- Sony Kapoor proposed focusing on key legislative proposals, including recovery and resolution, the Liikanen Report, and regulatory uncertainty.
- The group will provide input to the EBA's next Risk Assessment Report and coordinate a conference call to provide feedback to EBA.

7. Contribution to ESFS Review

The BSG agreed to base its contribution on the EBA's report on its activities during the first term.
A first draft of the report is to be produced before the next BSG meeting, with finalization targeted for 28 June 2013.
The BSG will also provide input on reports from ESMA and EIOPA's Stakeholder Groups.

8. Selection Process for BSG's Second Term

The current BSG was appointed in March 2011 and will expire in September 2013.
A public call for interest is expected in April/May 2013, with a six-week period for applications.
Existing members can reapply, while those appointed as replacements will have a term limited to September 2013.
The EBA aims to ensure continuity between the current and next BSG.

9. Joint BSG/BoS Meeting

The next joint meeting between the BSG and the EBA's Board of Supervisors (BoS) is scheduled for 15 May 2013.
The BSG decided against break-out sessions and will focus on priority issues like liquidity, recovery and resolution, and consumer protection.
Members were asked to communicate potential agenda items by 12 March 2013.