Insights

Insights.

Perspectives on strategy, regulation, and transformation across UK and GCC financial services.

CBUAE C 1/2026: A New Standard for Operational Resilience and Incident Readiness

The UAE's new operational-risk regulation brings critical-operations mapping, disruption tolerance, third-party resilience and accelerated incident reporting into one framework.

Oman's BM 1225: Moving Business Continuity from System Recovery to Operational Resilience

The CBO's 2026 framework resets expectations for critical financial services, end-to-end dependencies, disruption tolerance and tested recovery.

Credit Risk Governance Across the UAE and Oman: Where Does Internal Audit Step In?

How banks can clarify credit ownership, independent challenge and internal audit assurance across two distinct Gulf regulatory frameworks.

PS1/26: Basel 3.1 Final Rules and What Changes on January 1, 2027

The PRA's January 20, 2026 final policy statement confirms the UK Basel 3.1 rulebook, with most changes taking effect on January 1, 2027 and market-risk IMA on January 1, 2028.

CP9/26: Adjusting Basel 3.1 Internal Models for Market Risk

The PRA's June 19, 2026 consultation refines the market-risk internal model approach with targeted changes to PLAT, RFET, NMRFs and gradual model adoption.

PS15/26: Pillar 2A Phase 1 Final Policy for UK Banks

The PRA's May 2026 final policy is about clearer Pillar 2A methodology, more proportionate expectations and better-prepared capital dialogue ahead of 2027.

CP5/26: Modernising the PRA's Liquidity Framework

The PRA's March 2026 consultation sharpens the focus on monetisation risk, central bank readiness, PRA110 redesign and the first days of a liquidity stress.

SS1/26: Operational Incident Reporting Under the PRA's New Framework

The PRA's March 2026 supervisory statement turns incident reporting into a live operational discipline, with threshold judgement, phased updates and clear senior accountability.

SS5/25: What the PRA Now Expects on Climate Risk Management

The PRA's December 2025 statement moves climate risk from high-level framework design to evidence, integration and decision-useful management across banks and insurers.

Basel 3.1: What UK Banks Need to Do Now

With the PRA's Basel 3.1 implementation date now firmly in view, UK banks face a compressed timeline to translate policy into operational change.

GCC Banking & Vision 2030: A Decade of Reinvention

Saudi Arabia's Vision 2030 and parallel UAE financial sector reforms are reshaping the competitive landscape - and the opportunity for international firms.

AI in Financial Services: From Pilots to Production

Most institutions have AI use cases. Far fewer have AI in production at scale, with appropriate governance. Here's how to close the gap.