Independent review and analysis


We provide market updates on important issues to key figures in the industry on different topics, but all related to our activities throughout Europe. We cover hot news stories and give our honest opinion on developments, threats and opportunities.

Our articles can be in the form of e-shots, ‘white papers’ or social media commentary, but we will not comment on trivial matters – you will not see us commenting on what type of coffee we are drinking whilst waiting for a train! You can catch up on our previous commentaries by looking at the archive below.

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  • Meet the team at the 23rd Annual Global ABS in Barcelona

    May 21, 2019

    We are pleased to announce that once again we will be exhibiting at the 23rd Annual Global ABS conference, taking place 11-13 June 2019, in Barcelona, Spain. Over 3,500 leaders in the global ABS market will attend this event, which is recognised as the largest annual European structured finance gathering. We have built a reputation […]

  • Tackling Europe’s non-performing loans (NPLs)

    May 7, 2019

    Even though more than a decade has passed since the global financial crisis, many banks, particularly in the EU, have struggled with high levels of NPLs.  These loans have a negative effect on bank profitability and large numbers of bad loans reduce bank equity, with the result that it becomes more difficult to originate new […]

  • Equity Release portfolios – long term risks

    April 9, 2019

    The recent PRA consultation paper as part of Solvency II throws the spotlight on how holders of mortgage assets monitor and value long term risk in equity release mortgages [‘ERM’]. The previous consultation set out a test for firms to measure the risks in the form of an Effective Value Test [‘EVT’] and this reflects […]

  • Credit Creep

    March 12, 2019

    As financial markets move through economic cycles the focus of regulators often shifts to ensure current and potential risks are adequately assessed and mitigated against.  In the current climate economic cycles are shortening and risks are becoming ‘game changers’ quicker.   Anyone close to the PRA will be aware that it has identified three key risks […]

  • Royal Commission and Risk Reviews

    February 21, 2019

    There has been historic misconduct within the Australian banking, mortgage and financial service industries – hence a Royal Commission was formed to consider the issues, causes and make recommendations for regulatory change.  The final report has now been issued and the recommendations are potentially far-reaching, especially if regulators around the world consider some of the […]

  • Yabber website launch

    January 16, 2019

    Rockstead Group has expanded its support for businesses with the launch of a wholly owned subsidiary, Yabber Global. Yabber has been created to satisfy a specific need for audit and process improvement in customer contact centres. Rockstead has a significant number of years’ experience helping various financial services businesses review their call centre operations in […]

  • Lending growth in an uncertain economic environment

    December 11, 2018

    The mortgage market never seems to stand still! On the funding side in the last few weeks we have seen further applications for banking licences, increases in funding lines and significant securitisation issuance. On the credit side, we are seeing aggressive product pricing, credit risk expansion and the return of the off-site underwriter. These are […]

  • Peer-to-peer lending processes – calls for change!

    November 20, 2018

    It is often the case in emerging markets where new products are being developed, that regulation follows behind market innovations. For example, driverless cars exist and work, but no one has yet articulated the ‘rules of the road’ that will apply when such vehicles compete for space on our crowded transport system. Another extreme example […]

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