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<br /> ISSUE 74<br /> ISSUE 77<br /> SDEPCTEMBER<br /> 2013<br /> 2013<br /> icaew.com/fsf<br /> icaew.com/fsf<br /> FS FOCUS<br /> FS FOCUS<br /> “WITH PATIENCE, OPPORTUNITIES TO RE-INVEST IN THE BOND MARKET WILL EMERGE”<br /> EXISITINGPLAYERSMAYWELLSTRUGGLE–THEYNEEDTOBEFLEXIBLEANDCREATIVETOPASGUER2V5IVEPAGE8<br /> Essential reading<br /> The legal reforms<br /> affecting finance<br /> Healing process<br /> Looking for a way<br /> forward at the ICAEW<br /> banking conference<br /> Balancing variables<br /> Good risk models for<br /> bank capital quality<br /> The year that was<br /> Faculty review of 2013<br /> <br /> Contents<br /> Issue 77<br /> December 2013<br /> 1518<br /> COVER: ARON VELLEKOOP-LEON<br /> NEWS<br /> 04<br /> Good on<br /> governance<br /> Iain Coke says banking<br /> reforms are necessary if<br /> the industry is to<br /> recover, but he <a title="FSF Dec13 page 1" href="http://viewer.zmags.com/publication/69e51163?page=1"> ISSUE 74 ISSUE 77 SDEPCTEMBER 2013 2013 ica</a> <a title="FSF Dec13 page 2" href="http://viewer.zmags.com/publication/69e51163?page=2"> </a> <a title="FSF Dec13 page 3" href="http://viewer.zmags.com/publication/69e51163?page=3"> Contents Issue 77 December 2013 1518 COVER: ARO</a> <a title="FSF Dec13 page 4" href="http://viewer.zmags.com/publication/69e51163?page=4"> WELCOME Good on governance? Governance a</a> <a title="FSF Dec13 page 5" href="http://viewer.zmags.com/publication/69e51163?page=5"> FACULTY UPDATE Faculty news EXCHANGE</a> <a title="FSF Dec13 page 6" href="http://viewer.zmags.com/publication/69e51163?page=6"> FACULTY UPDATE Events Our programme of e</a> <a title="FSF Dec13 page 7" href="http://viewer.zmags.com/publication/69e51163?page=7"> Payroll is sitting on gold Payrolls, outsourced o</a> <a title="FSF Dec13 page 8" href="http://viewer.zmags.com/publication/69e51163?page=8"> ALTE RNAT IVE VIEW The vanishing? Charle</a> <a title="FSF Dec13 page 9" href="http://viewer.zmags.com/publication/69e51163?page=9"> FINANCIAL PLANNING ICAEW private client </a> <a title="FSF Dec13 page 10" href="http://viewer.zmags.com/publication/69e51163?page=10"> LICENCE TO ADVISE Legal services reform is crea</a> <a title="FSF Dec13 page 11" href="http://viewer.zmags.com/publication/69e51163?page=11"> FINANCIAL PLANNING CORBIS OFFERING LEGAL SERVIC</a> <a title="FSF Dec13 page 12" href="http://viewer.zmags.com/publication/69e51163?page=12"> O ften you only realise what you have achieved by</a> <a title="FSF Dec13 page 13" href="http://viewer.zmags.com/publication/69e51163?page=13"> COVER STORY REVIEW Financial Services Faculty </a> <a title="FSF Dec13 page 14" href="http://viewer.zmags.com/publication/69e51163?page=14"> proposed certification regime for `high net worth</a> <a title="FSF Dec13 page 15" href="http://viewer.zmags.com/publication/69e51163?page=15"> BANKING CONFERENCE </a> <a title="FSF Dec13 page 16" href="http://viewer.zmags.com/publication/69e51163?page=16"> that financial institutions are “too big to fail”</a> <a title="FSF Dec13 page 17" href="http://viewer.zmags.com/publication/69e51163?page=17"> BANKING CONFERENCE 3 </a> <a title="FSF Dec13 page 18" href="http://viewer.zmags.com/publication/69e51163?page=18"> EYES FRONT Investors increasingly want more evide</a> <a title="FSF Dec13 page 19" href="http://viewer.zmags.com/publication/69e51163?page=19"> AUDIT & REPORTING The front pages of th</a> <a title="FSF Dec13 page 20" href="http://viewer.zmags.com/publication/69e51163?page=20"> The Solvency II trailblazers Lloyd's insurers hav</a> <a title="FSF Dec13 page 21" href="http://viewer.zmags.com/publication/69e51163?page=21"> AUDIT & REPORTING EIOPA GUIDELINES The final EIO</a> <a title="FSF Dec13 page 22" href="http://viewer.zmags.com/publication/69e51163?page=22"> T he countercyclical buffer was devised in the af</a> <a title="FSF Dec13 page 23" href="http://viewer.zmags.com/publication/69e51163?page=23"> RISK & REGULATION Decentralisation could eve</a> <a title="FSF Dec13 page 24" href="http://viewer.zmags.com/publication/69e51163?page=24"> Perfection seekers The quality of bank capital ha</a> <a title="FSF Dec13 page 25" href="http://viewer.zmags.com/publication/69e51163?page=25"> RISK & REGULATION balance sheets of different</a> <a title="FSF Dec13 page 26" href="http://viewer.zmags.com/publication/69e51163?page=26"> Unfocused 2013 – unlucky for some They say 13</a> <a title="FSF Dec13 page 27" href="http://viewer.zmags.com/publication/69e51163?page=27"> UNWRAP YOUR MEMBER REWARDS SPECIALLY NEGOTIATE</a> <a title="FSF Dec13 page 28" href="http://viewer.zmags.com/publication/69e51163?page=28"> </a>