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Liquidity Risk in the Integrated Prudential Sourcebook: A Quantitative Framework

Industry response,
Contact:
the bsa team,
Last updated:
18 February 2013

Comments by The Building Societies Association on the Financial Services Authority DP24 Introduction 1.   This paper sets out the brief comments of The Building Societies Association on the Financial Services Authority's Discussion Paper 24 Liquidity risk in the Int...

Our high level response to the EBA discussion paper on a draft methodology for assessment of liquidi

Industry response,
Contact:
andrea jeffries,
Last updated:
25 February 2014

Introduction The Building Societies Association represents mutual lenders and deposit takers in the UK including all 45 UK building societies. Building societies have total assets of nearly £330 billion and, together with their subsidiaries, hold residential mortgages o...

Our letter to HMT on its forthcoming review of the cash ratio deposit scheme

Industry response,
Contact:
andrea jeffries,
Last updated:
17 October 2012

Background 1. On 28 September, HMT wrote to the BSA and to eligible institutions outlining its intention to start the review. One of the issues the review will address is the impact of the scheme on participating institutions since 2007. We were asked to frame our comments...

Our reponse to EBA consultation on RTS for additional liquidity outflows

Industry response,
Contact:
andrea jeffries,
Last updated:
13 August 2013

Introduction The Building Societies Association represents mutual lenders and deposit takers in the UK including all 45 UK building societies. Mutual lenders and deposit takers have total assets of nearly £380 billion and, together with their subsidiaries, hold resident...

Our response to EBA consultation on liquidity coverage and stable funding ratios

Industry response,
Contact:
andrea jeffries,
Last updated:
28 August 2012

Summary We support efforts to introduce global standards of liquidity for deposit takers and appreciate the need of regulators for accurate, comparable, relevant and timely information to enable them to supervise and monitor risks. Like our members, we are keen to e...

Our response to EBA consultation on reporting of leverage ratio

Industry response,
Contact:
andrea jeffries,
Last updated:
28 August 2012

Summary We support efforts to introduce global standards of leverage for deposit takers and appreciate the need of regulators for accurate, comparable, relevant and timely information to enable them to supervise and monitor risks. Like our members, we are keen to en...

Our response to FSA guidance consultation on liquidity swaps

Industry response,
Contact:
andrea jeffries,
Last updated:
02 November 2012

Summary The FSA wishes to control what it calls "liquidity swaps" and has therefore published guidance. These swaps refer to transactions which effect a liquidity transformation between an insurer and a bank by typically exchanging high credit quality, liquid assets suc...

Our response to FSA quarterly consultation paper no 31, CP 11/27 - chapter 2

Industry response,
Contact:
andrea jeffries,
Last updated:
03 February 2012

Click below to read our short response on three proposals to make very minor changes to the liquidity regime (chapter 2 of the QCP). We agreed to them all. Our response to QCP no 31, CP 11.27 (chapter 2) FSA quarterly consultation paper no 31, CP 27/11 (see chapter 2)

Our response to HMT consultation on changes to the cash ratio deposit scheme

Industry response,
Contact:
andrea jeffries,
Last updated:
15 March 2013

Our response to HM Treasury’s consultation on proposed changes to the cash ratio deposit scheme Background The Building Societies Association represents mutual lenders and deposit takers in the UK including all 46 UK building societies. Mutual lenders and deposit tak...

Our response to PRA consultation, CRD IV: liquidity, CP 27/14

Industry response,
Contact:
andrea jeffries,
Last updated:
27 February 2015

Introduction We welcome the opportunity to comment on the PRA’s proposals in CP 27/14, and has had useful dialogue both with the PRA and with BSA members in preparation for making this response.  At a webinar in mid-February 2015, at which more than two thirds of buildi...

Our response to the European Banking Authority’s consultation on draft implementing technical standa

Industry response,
Contact:
andrea jeffries,
Last updated:
13 August 2013

Introduction The Building Societies Association represents mutual lenders and deposit takers in the UK including all 45 UK building societies. Mutual lenders and deposit takers have total assets of nearly £380 billion and, together with their subsidiaries, hold resident...

Our response to the FSA's consultation on removing the simplified ILAS firm scalar increase

Industry response,
Contact:
andrea jeffries,
Last updated:
04 December 2012

We welcome the proposal to bring simplified ILAS firms in line with standard ILAS firms by requiring them to hold a liquid assets buffer of not less than 50% of the simplified buffer requirement. This means an end to the automatic increases to 100% by 2016 as set out in the t...

Our response to the FSA's QCP no 29, CP11/11, specifically chapter 4 - liquidity and chapter 9 - gen

Industry response,
Contact:
andrea jeffries,
Last updated:
02 November 2012

Introduction 1. The Building Societies Association represents mutual lenders and deposit takers in the UK including all 48 UK building societies. Mutual lenders and deposit takers have total assets of over £365 billion and, together with their subsidiaries, hold residen...

Our response to the liquidity proposals in FSA quarterly consultation 11/ 18 (no 30)

Industry response,
Contact:
andrea jeffries,
Last updated:
02 November 2012

Introduction The Building Societies Association represents mutual lenders and deposit takers in the UK including all 48 UK building societies. Mutual lenders and deposit takers have total assets of over £365 billion and, together with their subsidiaries, hold residentia...

Response to guidance consultation: senior asset and liability management committee practices, FSA GC

Industry response,
Contact:
andrea jeffries,
Last updated:
13 January 2011

We welcome the opportunity to comment on this draft “Dear CEO” letter and broadly support the four key themes identified from the FSA review. The adequacy of firms’ asset and liability management practices is of course of legitimate interest of the regulator, even if some of ...