Articles by author
Strong and simple: a new capital regime for small UK banks and building societies
The UK has almost finalised its new so-called “strong and simple” capital regime for small UK banks and building societies (small domestic deposit takers (SDDTs)). The premise is to provide a regime that is more proportionate for their size and scale of operations, whilst maintaining resilience. In this In Practice article the author sets out the core elements of the near-final SDDT capital regime.
10 JAN 2026Capital requirements for banks holding cryptoassets: rushing towards the same direction
Existing UK and EU capital requirements on cryptoasset exposures will soon be updated to reflect the new international standard published by the Basel Committee on Banking Supervision (BCBS).
1 MAY 2023Banking regulation in the aftermath of SVB: lessons for regulators and supervisors
The collapse of Silicon Valley Bank (SVB) is not evidence of the failure of Basel III since certain capital and liquidity requirements were disapplied in respect of SVB under US law. Regulators should reconsider which banks are “non-systemic” and which deposits are “stable” in the age of social media and mobile banking and supervisory practices should be scrutinised. In the UK, the SVB collapse comes at a time at which the UK Prudential Regulation Authority (PRA) is looking at the reform of certain prudential requirements for small banks under its proposals for a “strong and simple framework”. The lessons from SVB may lead to a change in the PRA’s approach. This article focusses on UK banking regulation and supervision and considers potential capital and liquidity reforms in the aftermath of the failure of SVB and its UK arm, SVB UK Limited (SVB UK).
1 NOV 2023
