With the ever-shifting regulatory landscape, meeting the capital requirements for each regulation in a manner which retains business profitability is of vital importance. Though the final text of the FRTB has been published, with the implementation date set for the end of 2019, there is still work to be done, and changes are likely to be made. The SA-CCR is due to take effect on the 1st January 2017, with similar changes being made to credit risk modeling, and will require careful assessment of the business model to ensure that it will still be profitable once the regulations are put in place. As we move closer to the implementation dates for TLAC and MREL, the cost to businesses is better understood, and the question becomes how to cover that cost and meet the regulations effectively. There are also other elements, such as IFRS 9, stress testing, and the leverage ratio which will affect how capital is allocated, and staying on top of these diverse regulatory requirements is vital to retaining both compliance and profitability.