The Bundesverband deutscher Banken (Association of German Banks), the voice of the
private commercial banks in Germany, was founded in Cologne in 1951.
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The association informs its members about current political and economic developments
affecting the banking sector. In view of the increasing number of European directives,
national laws and amendments to laws, as well as regulations, this task is steadily growing in importance.
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DK comments on the above-mentioned EBA consultation paper. The EBA changes the ITS requirements in both the credit risk and market risk areas. The exercise is relevant for institutions with IRB models or IMA models (market risk models) in Pillar ...
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In July 2018 the IASB has published a discussion paper due to the distinction between liabilities and equity for financial instruments. In its comment letter, the GBIC criticizes the complexity of the IASB proposals and advocates for selective amendments of ...
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The decision of the UK to leave the EU entails the need to qualify an entire EU submarket as a third country at once. The existing EU equivalence rules have so far only been anchored sectorally in EU legislation.
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Based on the 2017 TRIM Guide (Targeted Review of Internal Models) the ECB drafted a revised Guide to Internal Models. It sets out detailed rules regarding the use of internal credit, market and counterparty risk models to calculate own funds ...
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Accompanying the draft report of the committee on Legal Affairs of the European Parliament (JURI) of 12 October 2018 the German Banking Industry Committee (GBIC) outlines core requirements on the introduction of European representative actions. In order to ensure basic ...
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To strengthen EU banks, a large home market – a single European financial market – needs to be created for them. Thanks to its uniform rules, such a market would allow economies of scale, enabling banks to cut their costs.
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The German Banking Industry Committee (GBIC) supports the European Commission’s initiative to raise more funding for a sustainable economy in Europe and to promote financial market stability.
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In the opinion of the German Banking Industry Committee (GBIC), there is no need for a European initiative to introduce representative actions to protect the collective interests of consumers.
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The European Banking Authority (EBA) published its “Draft Guidelines on disclosure of non-performing and forborne exposures” for consultation on 27 April 2018.
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The European Banking Authority (EBA) issued its Draft Guidelines on specification of types of exposures to be associated with high risk under Article 128(3) of Regulation (EU) No 575/2013 for consultation on 17 April 2018.
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A feature of many banks and fintechs is that they operate across national borders. The primary focus here is on the so-called ‘know your customer’ (KYC) processes.
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DK comments on two EBA consultation papers on the so-called Downturn LGD. On the one hand, the revised RTS draft for determining the economic downturn period is commented.
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On 21 June 2018, the German Banking Industry Committee (DK) commented on the planned amendment of MiFID II. GBIC supports the EU Commission's efforts to promote sustainable finance.
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DK comments on the Basel consultation paper on the revision of the Basel market risk rules. The standardised approach (SBA approach), the simplified standardised approach, the model approach (IMA) and the scope of the revised market risk rules are being ...
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The financial sector is a key part of the economy. As part of this sector, banks operate in an ecosystem in which they increasingly provide products and services in cooperation with third parties.
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The digitisation of business processes brings many benefits not only for businesses but particularly also for citizens: using data-based analyses, their behaviour and thus also their wishes and needs can be better ‘understood’.
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The German Banking Industry Committee (GBIC) has commented on the“Draft Guidelines on management of non-performing and forborne exposures” published for consultation by the European Banking Authority (EBA) on 8 March 2018.
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The German Banking Industry Committee (GBIC) has commented on the draft ECB guide to internal models – General topics chapter as part of the ECB's public consultation.
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The European Commission (COM) published a proposal for a Regulation on amending Regulation (EU) No 575/2013 as regards minimum loss coverage for non-performing exposures on 14 March 2018. We appreciate the opportunity to submit our comments.
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The Basel Committee on Banking Supervision (BCBS) issued on 27 February 2018 a consultative document on the updated Pillar 3 disclosure requirements framework.
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EFRAG has published a discussion paper where alternative rules for accounting of equity instruments according to IFRS 9 (FV-OCI) are discussed. The GBIC sees currently no need for changes.
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The Association of German Banks is meeting this challenge by, among other things, cooperating with start-ups from the financial sector, fintechs. The present paper is the result of intensive cooperation between banks and fintechs.
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