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2023 would be a very important year for banking for multiple reasons number one the libor would completely be phased out which is london in the bank offered rate so june 2023 is the last tranche of the phase out of the libor which is london into bank offered rate but is the world ready for that i dont think so anyways we have a separate video in that regards 2023 would also be important here because of frtb frtb means fundamental review of trading books which is one of the most important i would say a regulatory framework which is coming although having lot of lapses which will push the banks not to have a transfer from the banking book to the trading book and trading book 2 banking book having said that this isnt the first time fundamental review of the trading book frtb said to come it was supposed to come in 2020 but then due to political compulsions it got postponed again in 2021 it got postponed and in 2022 it again got postponed and now it is slated to come first january 2023