Prudential Risk

Credit Risk

Philippines SEC Imposes Tighter Interest Rate Caps on Small Consumer Loans

By Mark Johnston | 15/12/2025

The SEC has lowered interest ceilings and introduced total cost caps to protect vulnerable borrowers from predatory lending.

Emerging Prudential Risks

China to Guide Bank Lending, Deepen Capital Market Reform in 2026

By Editors | 13/12/2025

Beijing signals proactive fiscal and monetary policy while tasking financial institutions with supporting key sectors and managing property risks.

Capital Adequacy

Japan FSA Proposes to Extend Regional Bank Support, Tighten Governance Rules

By Manesh Samtani | 12/12/2025

Proposals include extending capital injection schemes and easing investment rules, while tightening governance requirements in the wake of a recent scandal.

Alternative Markets

Korea to Launch KRW 150 Trillion Growth Fund, New Sovereign Wealth Fund

By Sanday Chongo Kabange | 12/12/2025

Seoul plans a major economic push, separating its fund strategy to emulate Singapore's successful GIC and Temasek two-track model.

Capital Adequacy

RBI Shifts Reserve Ratio Reporting to Calendar Based System

By Manesh Samtani | 12/12/2025

The RBI has aligned Cash Reserve Ratio and Statutory Liquidity Ratio reporting with calendar months and mandated digital submissions for all banks.

Resolution & Recovery

Vietnam National Assembly Approves Update to Deposit Insurance Law

By Nithya Subramanian | 12/12/2025

Revised law expands the deposit insurer’s crisis management powers, enhances transparency, and sets a firm 30-day payout timeline for depositors.

Resolution & Recovery

HKMA Consults on Valuation Framework for Bank Resolutions

By Sanday Chongo Kabange | 12/12/2025

The HKMA seeks industry feedback on a proposed code of practice for valuing failing banks before, during, and after resolution.

Capital Adequacy

ECB Proposes Overhaul of Bank Capital Rules, Casting Doubt on AT1 Bonds

By Manesh Samtani | 12/12/2025

One of the proposals is to completely remove AT1s from the going-concern capital stack, similar to the approach taken by Australia and New Zealand.

Operational Risk

BCBS Publishes New Standard on Third-Party Risk Management

By Sanday Chongo Kabange | 12/12/2025

The new global standard addresses growing dependency on third-party providers and sets a common baseline for banks and supervisors.