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Moody’s, DBRS lower ratings on Banco Espirito Santo

Report aims to ensure a harmonized approach to handling complaints across all financial sectors within the EU

Measures signal policy options

Economists suggest that the bank may have more to do

European Central Bank expected to cut interest rates this week

New banking rules cited as the reason for the ratings changes

Negative implications follow from new framework to resolve failing banks

Bank will have up to nine months to cover capital shortfalls

Scope extended to trading venues such as multilateral trading facilities and over-the-counter (OTC) markets

Draft rules require firms to provide a mandatory Key Information Document