Understanding and implementing regulatory requirements

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 provide you with close support in the design and implementation of your business ideas.

Both new and established players in the market utilise KPMG's experience and expertise in the formation and restructuring of banks. For example, for the preparation and application of licence applications for banks, financial service providers and 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 effects of Basel IV on customers, business model, future profitability and the comprehensive context of Basel IV. We show concrete changes to the value drivers at product and overall bank level and evaluate the strategic and technical/process-related options for implementing 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 for each individual bank. We actively support you in preparing employees as well as the document, process and data landscape for direct supervision by the ECB. In doing so, we also draw on the comprehensive expertise of the KPMG ECB Office.

Our clients can optimise their interfaces with the ECB supervisory authority as well as internal stakeholder communication and the handling of ECB enquiries. We offer a full range of structured and proven consulting solutions for improving ECB interfaces and efficient and resource-saving handling of ECB enquiries, e.g. from customised workshop and training concepts for employees and/or (senior) management to holistic PMO solutions taking into account current European and/or national supervisory priorities.

We work with you to operationalise and optimise individual bank Brexit strategies and provide support with the coordination and secure implementation to safeguard European market access and set up an efficient European booking model. With our experience from numerous Brexit and bank formation projects as well as our European KPMG network, we are familiar with the diverse strategic, regulatory, legal, accounting and technical-procedural issues of Brexit banks and offer comprehensive support from a single source.

We support you in optimising your balance sheet and income statement structure and in capital management for all types of capital market transactions. With a 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 and 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 development and generation of bail-in capital.