Publications in: Finance

Impact of the Capital Requirements Regulation (CRR) on the Access to Finance for Business and Long-term Investments – November 2016

Subsector:Financial markets and Institutions
Published: 23 November, 2016
Document type:Report

The Capital Requirements Regulation (CRR) considerably strengthens the quantity and quality of the minimum capital that banks in Europe are required to hold. This study assesses whether increased minimum capital requirements, through observed changes in banks’ regulatory capital ratios, impact bank lending using data on a broad sample of banks in Europe, including for the […]

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Understanding Consumer Vulnerability in the EU’s Key Markets – February 2016

Subsector:Justice and Legal Affairs
Published: 23 February, 2016
Document type:Report

This study for the European Commission provides a new definition of vulnerable consumers, a new methodology for measuring consumer vulnerability and new insights into the actual patterns of consumer vulnerability. The large scale study employed stakeholder consultations, consumer surveys, focus groups and behavioural experiments across the EU28 plus Iceland and Norway.

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FCA Symposium: Competition Analysis with Realistic Behaviour – December 2015

Subsector:Finance
Published: December, 2015
Document type:

LE’s Charlotte Duke participated in the FCA symposium: competition analysis with realistic behaviour. This forum brought together senior thinkers, researchers and policy makers to discuss the promotion of competition in financial services. During the day, delegates focussed on the research being done on Behavioural Industrial Organisation (BIO).

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Consumer Testing Study of the Possible New Format and Content for Retail Disclosures of Packaged Retail and Insurance-based Investment Products – November 2015

Subsector:Finance
Published: 13 November, 2015
Document type:Report

The European Commission commissioned London Economics and Ipsos to undertake consumer testing of various ways of presenting information relating to Packaged Retail and Insurance‐based Investment Products (PRIIPs). The motivation for the study was to assess which particular format of Key Information Documents would best help consumers compare and select products for their investment needs. The […]

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Assessing the Impact of the Capital Requirements Regulation (CRR) on the Access to Finance for Business and Long-term Investments – June 2015

Subsector:Financial markets and Institutions
Published: June, 2015
Document type:Note

LE Europe has been appointed by the European Commission to assess the impact of the Capital Requirements Regulation (CRR) on the access to finance for business and long-term investments, including infrastructure projects. On the impact of the CRR on infrastructure financing particularly, Graham Bishop, a consultant on EU financial matters, will advise on the importance […]

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Competition and Collaboration in UK Payment Systems – November 2014

Subsector:Financial markets and Institutions
Published: November, 2014
Document type:Report

The report focuses on UK payment systems, with a particular focus on interbank payment systems.  It analyses the conditions for competition at different levels of the payments supply chain as well as the motivations, merits and potential drawbacks of collaboration among market participants.

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The Importance of Wholesale Financial Services to the EU Economy 2014 – November 2014

Subsector:Financial markets and Institutions
Published: 28 November, 2014
Document type:Report

The Importance of Wholesale Financial Services to the EU Economy 2014 provides data at an EU level on the wholesale financial sector from 2001 to 2013. For the purpose of this analysis, the wholesale financial sector refers to the provision of financial and insurance services to corporate clients, investors, institutions and public sector bodies, as […]

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Consumer Protection Aspects of Financial Services – October 2014

Subsector:Consumer Finance
Published: 07 October, 2014
Document type:Presentation

The presentation provides a high level summary of the key findings, conclusions and recommendations of the study published by the European Parliament in February 2014.

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Metrics and Models Used to Assess Company and Investment Performance – October 2014

Subsector:Financial markets and Institutions
Published: 27 October, 2014
Document type:

The Kay Review found that the growth of intermediation and principal-agent relationships in the investment chain have led to an increased reliance on metrics and models to measure performance of companies and investment portfolios. Professor Kay argued that these measurements may be inherently unsuitable for investors with long-term investment horizons, and suggested that the presence […]

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Study on the Functioning of the Consumer Credit Market in the EU

Subsector:Consumer Finance
Published: 12 June, 2014
Document type:Report

Presentation to Eurofinas, Brussels, June 12th, 2014.

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