<br />
FINANCIAL<br />
SERVICES<br />
FACULTY<br />
ICAEW.COM/FSFISSUE 124<br />
MARCH 2018<br />
FSFocus<br />
TO BE PACIFIC<br />
COULD THE UK'S POST-<br />
BREXIT TRADE HOPES<br />
LIE WITHIN THE TPP?<br />
DIFFERENT BALL GAME<br />
TREVOR BIRCH<br />
COMPARES FOOTBALL<br />
AND FINANCE<br />
OPEN<br />
SESAME<br />
A comprehensive look<br />
at how open banking is<br />
changing financial services<br />
REGTECH RISING<br />
HOW TECHNOLOGY CAN<br />
HELP WITH REPORTING<br />
TO REGULATORS<br />
MOVING YOUR FLEET FORWARD<br />
P11D BIK C02 COMBINED MPG<br />
£35,840-£22,340 33%-25% 173-115g/km 37.7-64.2<br />
Official fuel consumption figures in mpg (l/100km) for the Ford Kuga range: urban 30.1-58.9 (9.4-4.8), extra urban 44.8-67.3<br />
(6.3-4.2), combined 37.7-64.2 (7.5-4.4). Official CO2 emiss<a title="FS Focus MARCH 18 page 1" href="https://secure.viewer.zmags.com/publication/7c2e2966?page=1"> FINANCIAL SERVICES FACULTY ICAEW.COM/FSFISSUE 12</a>
<a title="FS Focus MARCH 18 page 2" href="https://secure.viewer.zmags.com/publication/7c2e2966?page=2"> MOVING YOUR FLEET FORWARD P11D </a>
<a title="FS Focus MARCH 18 page 3" href="https://secure.viewer.zmags.com/publication/7c2e2966?page=3"> March 2018 Issue 124 COVER ILLUSTRATION: MITCH B</a>
<a title="FS Focus MARCH 18 page 4" href="https://secure.viewer.zmags.com/publication/7c2e2966?page=4"> WELCOME New frontiers There are many topic</a>
<a title="FS Focus MARCH 18 page 5" href="https://secure.viewer.zmags.com/publication/7c2e2966?page=5"> N E EWS & VENTS CHAIRMAN'S REPORT: INVESTMENT M</a>
<a title="FS Focus MARCH 18 page 6" href="https://secure.viewer.zmags.com/publication/7c2e2966?page=6"> NEW ANA GETTY S LYSIS TRADING BLOWS Financia</a>
<a title="FS Focus MARCH 18 page 7" href="https://secure.viewer.zmags.com/publication/7c2e2966?page=7"> European financial hubs such as Frankfurt, and al</a>
<a title="FS Focus MARCH 18 page 8" href="https://secure.viewer.zmags.com/publication/7c2e2966?page=8"> SMITH UPFRONT Multi-mill</a>
<a title="FS Focus MARCH 18 page 9" href="https://secure.viewer.zmags.com/publication/7c2e2966?page=9"> AV </a>
<a title="FS Focus MARCH 18 page 10" href="https://secure.viewer.zmags.com/publication/7c2e2966?page=10"> The UK's open banking regulations came into effec</a>
<a title="FS Focus MARCH 18 page 11" href="https://secure.viewer.zmags.com/publication/7c2e2966?page=11"> income and expenditure data and potentially make </a>
<a title="FS Focus MARCH 18 page 12" href="https://secure.viewer.zmags.com/publication/7c2e2966?page=12"> Nine banks – AIB Group, Bank of Ireland, Barc</a>
<a title="FS Focus MARCH 18 page 13" href="https://secure.viewer.zmags.com/publication/7c2e2966?page=13"> COVER STORY IT'S ONLY A MATTER OF TIME Richa</a>
<a title="FS Focus MARCH 18 page 14" href="https://secure.viewer.zmags.com/publication/7c2e2966?page=14"> MASTER YOUR DATA DUTIES After much talk and hype</a>
<a title="FS Focus MARCH 18 page 15" href="https://secure.viewer.zmags.com/publication/7c2e2966?page=15"> to the Information Commissioner if an employee be</a>
<a title="FS Focus MARCH 18 page 16" href="https://secure.viewer.zmags.com/publication/7c2e2966?page=16"> The UK government has held private talks with mem</a>
<a title="FS Focus MARCH 18 page 17" href="https://secure.viewer.zmags.com/publication/7c2e2966?page=17"> KEY TOPIC: TRANS-PACIFIC PARTNERSHIP modernis</a>
<a title="FS Focus MARCH 18 page 18" href="https://secure.viewer.zmags.com/publication/7c2e2966?page=18"> THE BIG PROFILE BEAUTY IN BOTH WORLDS Trevor B</a>
<a title="FS Focus MARCH 18 page 19" href="https://secure.viewer.zmags.com/publication/7c2e2966?page=19"> “It was literally like fantasy football at that s</a>
<a title="FS Focus MARCH 18 page 20" href="https://secure.viewer.zmags.com/publication/7c2e2966?page=20"> TREVOR BIRCH </a>
<a title="FS Focus MARCH 18 page 21" href="https://secure.viewer.zmags.com/publication/7c2e2966?page=21"> CONNECTIONS MADE MORE REWARDING SMARTER STORA</a>
<a title="FS Focus MARCH 18 page 22" href="https://secure.viewer.zmags.com/publication/7c2e2966?page=22"> After much speculation and debate, IFRS 9 on bank</a>
<a title="FS Focus MARCH 18 page 23" href="https://secure.viewer.zmags.com/publication/7c2e2966?page=23"> on a consistent basis. The new IFRS 9 expected lo</a>
<a title="FS Focus MARCH 18 page 24" href="https://secure.viewer.zmags.com/publication/7c2e2966?page=24"> Spanning nearly 7,000 pages, MiFID II represents </a>
<a title="FS Focus MARCH 18 page 25" href="https://secure.viewer.zmags.com/publication/7c2e2966?page=25"> NICK LOWNDES/IKON looking across regulatory land</a>
<a title="FS Focus MARCH 18 page 26" href="https://secure.viewer.zmags.com/publication/7c2e2966?page=26"> OBSERVING SOLVENCY II Zsuzsanna Schiff addresses</a>
<a title="FS Focus MARCH 18 page 27" href="https://secure.viewer.zmags.com/publication/7c2e2966?page=27"> implementation in the UK has arguably lacked prop</a>
<a title="FS Focus MARCH 18 page 28" href="https://secure.viewer.zmags.com/publication/7c2e2966?page=28"> TECHNICAL: REFERENCE TECHNICAL DIRECTORY A round</a>
<a title="FS Focus MARCH 18 page 29" href="https://secure.viewer.zmags.com/publication/7c2e2966?page=29"> STEP YOUR SAVINGS UP A GEAR WITH A STOCKS AND SHA</a>
<a title="FS Focus MARCH 18 page 30" href="https://secure.viewer.zmags.com/publication/7c2e2966?page=30"> PEOPLE IN FOCUS SANTANDER MORTGAGES EXPERT AT</a>
<a title="FS Focus MARCH 18 page 31" href="https://secure.viewer.zmags.com/publication/7c2e2966?page=31"> PEOPLE regulation compliance obligations or r</a>
<a title="FS Focus MARCH 18 page 32" href="https://secure.viewer.zmags.com/publication/7c2e2966?page=32"> T B ID CPD CRITICAL SUCCESS Tom Lawrence</a>
<a title="FS Focus MARCH 18 page 33" href="https://secure.viewer.zmags.com/publication/7c2e2966?page=33"> PEOPLE This is a critical but positive perio</a>
<a title="FS Focus MARCH 18 page 34" href="https://secure.viewer.zmags.com/publication/7c2e2966?page=34"> UNFOCUSED THEY SAID IT... TOTALLY MINT</a>
<a title="FS Focus MARCH 18 page 35" href="https://secure.viewer.zmags.com/publication/7c2e2966?page=35"> </a>
<a title="FS Focus MARCH 18 page 36" href="https://secure.viewer.zmags.com/publication/7c2e2966?page=36"> With Hiscox Home Insurance there is no need to ac</a>