It’s time to dive into CeMAP 1 Topic 19 – and while “prudential regulation” might not sound thrilling, this is the stuff that keeps the financial system from falling on its face. And yes… it does come up in your exam!

In this episode, Maria the Money Muggle and I break down the big players and big ideas behind prudential regulation so you can actually understand what they do (and why they matter).

Here’s what we’re tackling:

🏦 The PRA (Prudential Regulation Authority) – What they’re responsible for, and how they work alongside the FCA.

🌍 The Basel Committee on Banking Supervision – What it is, what it sets out to do, and why it sounds way more complicated than it actually is.

💧 Liquidity Risk – What it means when a bank can’t meet its short-term obligations (and how they try to prevent that).

📉 Net Stable Funding Ratios (NSFR) – How banks make sure they’re not running out of stable funding to cover their assets.

🧮 Solvency II – The framework for insurance firms to prove they’ve got enough capital to cover risks.

Basically? If you've ever wondered how the financial system stays (mostly) stable... this is your topic.

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Grab your notebook, hit play, and let’s demystify prudential regulation once and for all! 💪🎧