Implement regulatory requirements with a focus on value
Regulation leads to profound changes. We support you with the combination of expertise and implementation experience
Regulatory challenges are driving the transformation of established banks and financial service providers more than ever before, and significantly determining their business and operating models. New products and business models such as FinTech business entities also go through a regulatory-driven transformation and maturity phase.
With our holistic consulting approach to regulatory-driven transformation processes, a well-coordinated, interdisciplinary and experienced regulatory transformation team is at your side. The range of topics includes, among others:
Building the business models of (un)regulated institutions
We work with you to develop new product and business strategies (e.g. in the areas of cryptocurrencies and blockchain, payment transactions, mobile banking, financing and deposits via platforms, Islamic banking), prepare robust feasibility studies and business cases, and support you closely in the design and implementation of your business ideas.
Partner, Financial Services
KPMG AG Wirtschaftsprüfungsgesellschaft
Establishment and restructuring of banks and other regulated entities
Both new and established players in the market use KPMG's experience and expertise in bank formations and corporate reorganisation. For example, for the preparation and application of licence applications for banks, financial service providers and Payment Service Supervisory Act (ZAG) institutions, coordination with BaFin, Bundesbank, ECB and the auditing associations. We ensure compliance with all regulatory requirements in the design, implementation and digitalisation of the associated business and operating models.
We analyse the individual impact of Basel IV on clients, the business model, future profitability as well as the comprehensive context of Basel IV. We show concrete changes in the value drivers at product and overall bank level and evaluate the strategic and technical process-related courses of action to implement the Basel requirements.
We provide a comprehensive understanding of the increased requirements arising from direct ECB supervision and help to identify the core challenges arising from ECB subordination with respect to the individual bank. We actively support you in preparing your staff and your document, process and data landscape for direct supervision by the ECB. We also draw on the comprehensive competence of the KPMG ECB Office.
Our clients can optimise their interfaces with ECB supervision as well as internal stakeholder communication and the handling of ECB requests. We offer a full range of structured and proven advisory solutions to improve ECB interfaces and process ECB requests efficiently and in a resource-efficient manner, e.g. from customised workshop and training concepts for staff and/or (senior) management to holistic PMO solutions taking into account current European and/or national supervisory priorities.
Together with you, we operationalise and optimise bank-specific Brexit strategies and support you in their coordination and secure implementation to maintain European market access and set up an efficient European booking model. With our experience from numerous Brexit and bank formation projects as well as through our European KPMG network, we are familiar with the diverse strategic, regulatory, legal, accounting and technical procedural issues of Brexit banks and offer holistic support from a single source.
Balance sheet management
For any kind of capital market transaction, we support you in optimising your balance sheet and P&L structure as well as in capital management. With the combination of experience and expertise in all relevant and future regulatory requirements, current supervisory practice and our comprehensive knowledge of the economic parameters of such transactions and current investor and capital market preferences, we offer sustainable strategic solutions for balance sheet management and optimisation in a complex, challenging market environment. This includes all types of structured finance and derivative transactions in the debt/fixed income and equity areas, securitisation transactions, hedging for RWA reduction and general risk management as well as the build-up or generation of bail-in capital.
We accompany you safely through all phases of comprehensive, regulatory-driven transformation processes.
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The current market environment poses challenges for banks and financial institutions. If you want to expand your market share, you must actively react.
The current market environment poses challenges for banks and financial institutions.