Post-PSD2: Use of data between added value for customers and data sovereignty

12 June 2018
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’. [ mehr ... ]

Comments on the EBA Draft Guidelines on management of non-performing and forborne exposures

8 June 2018
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. [ mehr ... ]

Comments on the draft ECB guide to internal models – General topics chapter

28 May 2018
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. [ mehr ... ]

Comments on the European Commission’s proposal for a Regulation of the European Parliament and the Council on amending Regulation (EU) No 575/2013 as regards minimum loss coverage for non-performing exposures

25 May 2018
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. [ mehr ... ]

Comments on the BCBS Pillar 3 disclosure requirements – updated framework

25 May 2018
The Basel Committee on Banking Supervision (BCBS) issued on 27 February 2018 a consultative document on the updated Pillar 3 disclosure requirements framework. [ mehr ... ]

EFRAG Discussion Paper Equity instruments – Impairment and Recycling

24 May 2018
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. [ mehr ... ]

Use of data: balancing added value for customers and data protection

23 May 2018
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. [ mehr ... ]

Comments on the European Commisssion's proposal for a Directive on the issue of covered bonds and covered bond public supervision & proposed Regulation on amending Regulation (EU) 575/2013 as regards exposures in the form of covered bonds

15 May 2018
The German Banking Industry Committee (GBIC) has commented on the EU-Commission’s proposal for a Directive on the issue of covered bonds and covered bond public supervision & on a proposal for a Regulation on amending Regulation (EU) 575/2013 as ... [ mehr ... ]

Comments of the German Banking Industry Committee on the European Commission's legislative proposal for a Regulation on facilitating cross-border distribution of investment funds and a Directive on cross-border distribution of investment funds

9 May 2018
On 12 March 2018, the European Commission published two legislative proposals to remove obstacles to the cross-border distribution of investment funds and asked for feedback. GBIC commented on this on May 9, 2018. [ mehr ... ]

Comments on the Draft Commission Implementing Regulation laying down minimum requirements implementing the provisions of Directive 2007/36/EC

9 May 2018
Comments of the German Banking Industry Committee on the Draft Commission Implementing Regulation laying down minimum requirements implementing the provisions of Directive 2007/36/EC of the European Parliament and the Council as regards shareholders identification, the transmission of information ... [ mehr ... ]

Comments on ECB’s Guide to the internal liquidity adequacy assessment process (ILAAP)

4 May 2018
The German Banking Industry Committee (GBIC) has commented on the ECB’s Public consultation on the draft ECB Guide to the internal liquidity adequacy assessment processes (ILAAP). [ mehr ... ]

Comments on the European Commission’s “Exploratory consultation on the finalisation of Basel III”

12 April 2018
On March 16th 2018 the European Commission startet it's first "Exploratory consultation" on the finalisation of Basel III. The German Banking Industry Committee (GBIC/DK) is pleased to participate in the Commission’s initiative. [ mehr ... ]

EBA Discussion Paper on SA-CCR and FRTB

21 March 2018
The European Banking Authority (EBA) had published in December 2017 a discussion paper on the implementation of the new Standardized Approach for Counterparty Credit Risk (SA-CCR) and the new framework in the area of market risk (FRTB). [ mehr ... ]

GBIC comments on ESMA’s consultation on disclosure requirements under the STS-Regulation

20 March 2018
The European Securities and Markets Authority (ESMA) consulted draft technical standards on disclosure requirements and operational standards under the Securitisation Regulation. Please find the comments of the German Banking Industry Committee on the consultation paper attached. [ mehr ... ]

Banking business in Europe – how consistent are regulation and supervision really?

15 March 2018
The supervision of banks in the euro area underwent a fundamental transformation at the end of 2014. With the establishment of the Single Supervisory Mechanism (SSM), which – integrated into the European Central Bank – is responsible for supervising all banks in ... [ mehr ... ]

GBIC comments on the homogeneity of underlying exposures in securitisations

15 March 2018
EBA has consulted a regulatory technical standard (RTS) on the homogeneity of underlying exposures in securitisations, based on its mandate in the recently published STS-regulation. [ mehr ... ]

Position paper of the Association of German Banks on the role of banks in financing the European economy

19 February 2018
The financing of the economy through banks has proved its worth and is already successfully linked with capital market funding. Banks are a supporting pillar of the European economy: they perform a key function in financing businesses, thus supporting growth ... [ mehr ... ]

GBIC comments on EBA draft RTS on the methods of prudential consolidation

9 February 2018
Please find attached the comments of GBIC on EBA draft RTS on the methods of prudential consolidation under Article 18 CRR. GBIC especially points out, that the scope of prudential consolidation should not be extended. [ mehr ... ]

GBIC comments on ESMA Draft RTS on the European Single Electronic Format (ESEF)

5 February 2018
The European Securities and Markets Authority (ESMA) publishes the final draft RTS setting out the new European Single Electronic Format to prepare annual financial reports. [ mehr ... ]

Comments on revised EBA Guidelines on the management of IRRBB

31 January 2018
The German Banking Industry Committee (GBIC) appreciates the opportunity to comment on the Draft Guidelines on the management of interest rate risk arising from non-trading book activities published on 31 October 2017 (EBA/CP/2017/19). [ mehr ... ]

Comments on revised EBA Guidelines on SREP

31 January 2018
On 31 October 2017, the EBA published a consultation paper on the revision of its Guidelines on supervisory review and evaluation process (SREP) and supervisory stress testing (EBA/CP/2017/18). [ mehr ... ]

Comments on EBA’s Draft Guidelines on institution’s stress testing

31 January 2018
The German Banking Industry Committee (GBIC) appreciates the opportunity to comment on the Draft Guidelines on institution’s stress testing published on 31 October 2017 (EBA/CP/2017/17). [ mehr ... ]

Comments on ITS on Supervisory Benchmarking framework for 2019

18 January 2018
The German Banking Industry Committee is the joint committee operated by the central associations of the German banking industry. [ mehr ... ]

Comments on the first ECB public consultation on developing a euro unsecured overnight interest rate

17 January 2018
The German Banking Industry Committee (GBIC/DK) is pleased to participate in the first public consultation on developing a euro unsecured overnight interest rate. [ mehr ... ]

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