The Legal Unit provides legal support and input across the full range of the EBA's regulatory, oversight and operational activities. Its tasks involve drafting and advising on Technical Standards and Guidelines, supporting the EBA when it mediates between Competent Authorities, and advising the EBA's governing bodies. The Unit is responsible for giving advice on institutional, banking and financial law on the basis of the EBA's founding regulation and EU banking legislation. It also leads the EBA's work in investigating potential breaches of Union law by Competent Authorities.

Consumer Protection, Financial Innovation and Payments

The Consumer Protection, Financial Innovation and Payments Unit at the EBA has the objective to enhance consumer protection, to monitor financial innovation, and to ensure secure, easy and efficient payment services across the EU. Its regulatory remit covers mortgages, personal loans, deposits, payment accounts, payment services, and electronic money. Jointly with representatives from the 28 national authorities, the Unit develops requirements, for example, to mitigate consumer detriment at the pre-sale, point-of-sale and post-sale stages of the interaction between a consumer and a financial institution. The Unit also monitors new financial activities, such as virtual currencies, crowdfunding and contracts for difference.

Policy Analysis and Coordination

The Policy Analysis and Coordination Unit provides support to the Banking Stakeholder Group, the Joint Committee of the European Supervisory Authorities (including the EBA) and their Board of Appeal. The Unit also performs independent impact assessments supporting the EBA's regulatory proposals and advice. Its activities include (i) provision of support to the main EBA governing bodies, the Board of Supervisors and the Management Board, (ii) support in the planning, prioritising, monitoring, execution and following up of the deliverables stemming from the EBA's work programme, (iii) external coordination with EU institutions and external bodies, such as the European Commission, the Basel Committee on Banking Supervision (BCBS) and International Monetary Fund (IMF), and (iv) facilitation of training to EU banking supervisors.


The Resolution Unit fulfils the tasks assigned to the EBA by the EU framework on banking crisis management. This framework, which includes the Bank Recovery and Resolution Directive (BRRD), the Regulation establishing the Single Resolution Mechanism (SRM Regulation), as well as the Deposit Guarantee Schemes Directive (DGSD), is in line with internationally agreed principles, and aims at ensuring that banks can be resolved in an orderly manner while preserving financial stability and protecting depositors' money.

In particular, the Unit is responsible for developing regulatory products such as technical standards, guidelines and reports in relation to resolution planning and resolution actions, which will be included in the EU Single Rulebook for banking. Additionally, the Unit is responsible for promoting non-binding cooperation arrangements with third country authorities, in order to ensure proper information sharing and cooperation in the context of cross-border crisis management.

The Unit supports EU resolution authorities in the implementation of all relevant Directives, Regulations, technical standards and guidelines. It also provides assistance in the establishment and functioning of resolution colleges and Crisis Management Groups, monitors practices in the Member States, and performs binding and non-binding mediation at the request of the authorities. Finally, the Unit is also following the forthcoming establishment of the recovery and resolution framework for financial institutions other than banks and the impact that such a framework may have on banks.


The Oversight Department is made up of 2 Units: Risk Analysis and Supervisory Convergence.

The main task of the Oversight Department is to assess risks and vulnerabilities in the EU banking sector, as well as to foster convergence of supervisory practices in the Single Market. It coordinates the EU-wide stress tests and monitors banking groups and colleges throughout the EU.

Risk Analysis

The Risk Analysis Unit is made up of Bank sector analysts, Policy experts and Statisticians.

The Unit is responsible for monitoring market developments and identifying risks and vulnerabilities in the EU banking sector.

The Unit also coordinates the EU-wide stress test, which provides a forward-looking and comparable assessment of the major banks across the Single Market, as well as the supervisory benchmarking of banks' internal models. The Unit is also heavily involved in the design of supervisory reporting and manages the process for collecting, quality checking and exploiting supervisory data, including cooperation with the European Systemic Risk Board (ESRB), the European Central Bank (ECB), the Basel Committee on Banking Supervision (BCBS), and the Financial Stability Board (FSB).

Supervisory Convergence

The Supervisory Convergence Unit facilitates supervisory cooperation and convergence between competent supervisory authorities across the EU. This includes enabling the consistent and coherent functioning of supervisory colleges across the Union, ensuring supervisory cooperation through products such as technical standards, guidelines and the Single Supervisory Handbook, as well as settling disagreements between competent authorities. The Unit is also tasked with the monitoring of banking groups and colleges, developing policy on recovery planning and early interventions, and is responsible for assessing the equivalence of third countries with the EU regulatory and supervisory framework.


The Regulation Department is made up of 2 Units: Capital, and Assets and Liabilities Management, and Credit, Market and Operational Risk Policy.

The main task of the Regulation Department is to prepare the EBA regulatory products, which includes drafting Technical Standards, Guidelines and Reports. It also coordinates the work related to the Single Rulebook in banking and the EBA Q&A tool, and maintains the EU credit risk register.

Capital, and Assets and Liabilities Management

The main regulatory areas falling under the remit of Capital, and Assets and Liabilities Management Unit are capital, liquidity, leverage ratio, as well as large exposures, accounting and audit, remuneration and corporate governance. The Unit also covers areas relating to shadow banking, structural measures and anti-money laundering. In addition, the Unit coordinates the work related to the Single Rulebook and the Q&A tool that the EBA has developed in order to provide guidance to stakeholders on questions related to the applicable regulatory provisions.

Credit, Market and Operational Risk Policy

The Credit, Market and Operational Risk Policy Unit falls under the Regulation Department and develops the regulation that underpins the calculation of risk-weighted assets. The majority of the tasks of the Unit are linked to the Capital Requirements Regulation (CRR), where the EBA has been given a substantial number of mandates to develop regulatory products and a number of reports that assess the current EU capital framework. The Unit deals with credit, market and operational risk, but also covers the securitisation and covered bonds market and supports the data analysis of the entire Regulation Department. In addition, the Unit covers market infrastructures within the area of market risk, SME financing within the area of credit risk, some aspects of the macro-prudential framework and investment firms. This work has a particular emphasis on the use of internal models and the Unit develops regulation that clarifies and harmonises the use of internal models across EU countries and institutions.


The Operations Department is responsible for the day-to-day running of the EBA. This includes delivering digital services that enable the work of the EBA and its internal administration, coordinating communication activities, managing the public website and dealing with financial matters. In addition, it is responsible for recruitment and training of staff as well as the EBA facilities.

Information Technology

The Information Technology Unit at the EBA deliver digital services that enable the work of the EBA and its internal administration.

The Unit is responsible for providing the EBA, and whenever appropriate other Competent Authorities and bodies, with high quality and innovative workplace and business IT solutions. It works to deliver reliable, cost-effective and secure infrastructure and information systems, it aligns IT investments with business priorities, and provides training and seminars in advanced technologies to national regulators within the EU.

Finance and Procurement

The main tasks of the Finance and Procurement Unit are to help establish and acquire the EBA annual budget and to ensure its sound financial management. The primary focus of Procurement is given to the coordination and correct implementation of procedures for the award of public works contracts, public supply contracts and public service contracts. It is the responsibility of the Unit to ensure that the provisions of the applicable financial regulations are respected, to maintain accurate financial records and to preserve the integrity of the budgetary accounting systems.

Human Resources

The Human Resources Unit at the EBA is responsible for the planning, allocation and recruitment of resources for staff and supports the EBA in each step of the recruitment process from publication of the vacancy notice to the offer of the position.

Once staff are recruited, the Unit provides them with comprehensive induction training and is responsible for the annual appraisal of the performance of staff.

The Unit is also responsible for administration of entitlements, benefits and salaries of staff. In addition, they provide administrative support to ensure work-life balance activities for staff including flexi-time arrangements, and arrange medical care to staff through the EBA's medical centre.

In addition, they organise training and development sessions including general and soft skills training, as well as technical and languages training.


The Communications Unit is responsible for promoting the institutional image of the Authority. The Unit manages all on-line and off-line communication activities, such as drafting and issuing press releases and news items, coordinating editing and translation of documents and publishing all EBA products on the public website and the extranet. The Unit is in charge of setting up briefings and interviews with members of the media. In addition, the Unit is responsible for all issues relating to the EBA's corporate visual identity which includes coordinating the production of branded material and proposing topics for leaflets, brochures, corporate documents.

Corporate Support

The Corporate Support Unit at the EBA is responsible for managing the EBA facilities and office. The Unit provides support in events management, reception services, travel arrangements for staff and coordinates the standards for internal control.