YSF Banking Insights

Navigate Banking Decode Regulation.

Exploring Banking, Risk and Regulation

YSF Banking Insights is a blog dedicated to banking prudential regulation and the analysis of regulatory developments across the world.

It provides research, analysis and insights aimed at fostering a better understanding of the evolving prudential framework, its key challenges and its implications for banks, financial institutions and the broader financial system.

Decoding the Banking Regulatory Landscape

Make banking regulation and financial concepts more accessible for the wider public.

Sharing analysis, research and perspectives

Analyse prudential regulation and its economic, technological and institutional environment.

Providing insights into regulatory developments

Analyse regulation developments & implications for the stakeholders across the banking industry.

INSIGHTS

FRTB – Trading Book and Banking Book

The Fundamental Review of the Trading Book (FRTB) has strengthened and clarified the boundary between the trading book and the banking book.

Banking Supervision and Geopolitical Risk

The European Central Bank increasingly considers geopolitical risk a key area of banking supervision.

FRTB – Understanding the Revised Standardised Approach

The FRTB framework has fundamentally redesigned the standardised approach to make it more risk-sensitive and better aligned with the underlying economics of market risk.

FRTB – Key Developments in Internal Models

One of the most significant impacts of the FRTB is the reform of the internal models framework.

RESEARCH PAPERS

Prudential Recalibration in European Banking System: A Quantitative Assessment of the Economic Impact

This study aims Quantifying the Economic Benefits of adjusting European Banking regulation.

Tailoring Basel III Framework to Banking Risks in Africa: A Comparative Analysis of South Africa and Kenya

This study examines how banking regulation can be tailored to local risks in Africa.

My Background

I am a Chartered Accountant and university lecturer in Finance. With several years of experience in international accounting and consulting firms, including a Big Four firm, I have worked closely with Finance and Risk teams at major banking institutions in France, the United Kingdom and the United States.

In 2024, I completed my Chartered Accountancy thesis, focusing on managing and securing the regulatory requirements applicable to the French branch of a UK bank established in Paris following Brexit. The thesis was awarded a grade of 16/20, with highest honours.

These experiences have enabled me to develop expertise in European banking prudential regulation. Through my consulting practice, I advise banks and financial institutions on prudential and regulatory matters, supporting them in navigating their regulatory requirements and obligations.

Yered Fandohan
Specialist, Banking Regulation

GET IN TOUCH

« Exploring banking regulation provides a distinctive lens through which to understand how banks, regulators and financial markets evolve and adapt to an ever-changing environment. »

Yered Fandohan
Specialist, Banking Regulation

GET IN TOUCH

I launched this blog in response to several key observations made throughout my professional experience:

Prudential regulation remains highly specialised and largely unfamiliar to the general public.
Regulatory requirements have expanded significantly since the 2008 financial crisis.
Banking regulation increasingly interacts with economics, technology and financial markets.

Against this backdrop, this blog pursues four main objectives:

Make complex banking topics more accessible to a broader audience.
Explore key regulatory and prudential issues affecting the banking industry.
Connect regulatory changes with their practical implications for banks and financial institutions.
Share perspectives and research on the forces shaping the future of banking.