This snapshot on Enhanced Prudential Standards (EPS) contains an overview of the standards, key milestones, an impact assessment and high-level tasks that need to be considered for successful implementation.

1. Enhanced Prudential Standards (EPS)
Snapshot

2. Snapshot
Enhanced Prudential Standards (EPS)
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TABLE OF CONTENTS
1 EPS Overview_____________________________________ 3
2 Key Dates and Milestones___________________________ 4
3 Impact Assessment* _______________________________ 5
4 Considerations ___________________________________ 7
5 Opportunities ____________________________________ 7
6 How we add value_________________________________ 8
7 About Hatstand___________________________________ 9
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3. Snapshot
Enhanced Prudential Standards (EPS)
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form or by any means, electronic, mechanical, photocopying, recording, or otherwise, without prior written permission. 3
1 EPS Overview
EPS establishes enhanced supervision standards at large US bank holding
companies (BHC, >=US $50B in global consolidated assets) and foreign
banking organisations (FBO’s) with a significant US presence (>=US $50B in
U.S. consolidated assets, excludes branch/agency assets). EPS applies
enhanced capital, liquidity, risk management, and stress testing
requirements to US BHC’s and to the US operations of FBO’s. In addition,
the FBO’s, with US non-branch subsidiary operations and more than US
$50 billion in assets, are required to place nearly all those subsidiaries into
an intermediate US holding company (IHC) that is, in turn, subject to the
EPS requirements. This set of regulations overlaps with Basel III liquidity
and capital requirements and reporting.
EPS establishes heightened
supervision standards by
applying enhanced capital,
liquidity, risk management,
and stress testing
requirements on US BHC’s
and the US operations of
FBO’s.

4. Snapshot
Enhanced Prudential Standards (EPS)
© Copyright 2015 by Hatstand Ltd or a Hatstand affiliate/subsidiary company. All rights reserved. No part of this document may be reproduced or transmitted in any
form or by any means, electronic, mechanical, photocopying, recording, or otherwise, without prior written permission. 4
2 Key Dates and Milestones
Key Dates Milestones
January 1, 2015 Large BHC’s subject to risk
management and qualitative
liquidity standards. FBO
Implementation plan to enable
compliance with the IHC
requirement.
July 1, 2015 Mid-size BHC (>USD 10 B in total
consolidated assets) subject to Risk
Committee Governance.
January 1, 2016 BHC’s & IHC’s subject to capital
conservation buffer.
July 1, 2016 Deadline of formation/designation
of IHCs’. IHCs’ must comply with
EPS.
August 1, 2016 Notification to FED of IHC and
compliance certification of IHC EPS
requirements.
January 2017 Submission of IHC annual capital
plan to the FED.
July 1, 2017 Completion of transfer of all
remaining applicable assets from
FBO to IHC.
October 1, 2017 First Dodd-Frank stress testing
cycle.
January 1, 2018 IHC Compliance with U.S. Basel III
leverage ratio requirements.
January 2018 Submission of IHC annual capital
plan to the FED.
March 2018 Summary results of company run
stress test to FED.
July 2018 Submit mid-year Dodd Frank stress
tests to the FED.

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