Press releases

​The European Banking Authority (EBA) updated today the 13 systemic importance indicators and underlying data for the 33 largest institutions in the EU whose leverage ratio exposure measure exceeds EUR 200 bn. This publication includes updated numbers and data items specific to the recognition of the Banking Union and of institutions that are part of the Single Resolution Mechanism. Acting as a central data hub in the disclosure process, the EBA updates this data on a yearly basis and provides user-friendly tools to aggregate it across the EU.

The European Banking Authority (EBA) today published final amendments to its Regulatory Technical Standards (RTS) on the fundamental review of the trading book (FRTB). The revisions mostly aim to align these RTS with the Capital Requirements Regulation (CRR3) and ensure stability in the applicable regulatory framework. The RTS are part of the roadmap on the Banking Package.

The Joint Board of Appeal (“The Board”) of the European Supervisory Authorities (ESAs) (the EBA, ESMA and EIOPA) unanimously decided that the appeal brought by NOVIS against the European Insurance and Occupational Pensions Authority (EIOPA) is admissible.

The European Banking Authority (EBA) today published its European Resolution Examination Programme (EREP) Report. It sets three priorities for resolution authorities and banks for 2025: operationalisation of their resolution tools, liquidity strategies in resolution, and management information system for valuation. The Report also looks at the progress achieved in 2023 and identifies areas of improvement.

Following the European Commission’s adoption of a Delegated Act postponing the application of the revised market risk framework in the EU, the so-called Fundamental Review of the Trading Book (FRTB), the European Banking Authority (EBA) today publishes a no-action letter on the boundary between the banking book and the trading book and shares its considerations on technical questions and issues arising from the postponement.

The European Banking Authority (EBA) today published its final draft Implementing Technical Standards (ITS), amending the Implementing Regulation on the benchmarking of credit risk, market risk and IFRS9 models for the 2025 exercise. The most significant change is in the area of market risk framework, where the EBA is proposing to expand to all asset classes the alternative standardised approach (ASA) validation portfolios compared to the 2024 exercise. In the area of credit risk, the EBA suggests only minor changes.

The Joint Board of Appeal (“The Board”) of the European Supervisory Authorities (ESAs) – the (the EBA, ESMA, EIOPA), unanimously decided that the appeal brought by Euroins Insurance Group AD (“Euroins”) against the European Insurance and Occupational Pensions Authority (EIOPA) is inadmissible.

The European Banking Authority (EBA) published today the results of a fact finding exercise on the creditworthiness assessment (CWA) practices of non-bank lenders (NBLs). The exercise is a follow-up to the Consumer Trends Report published in April 2023 and aimed at gaining insight into the extent to which NBLs contribute to over-indebtedness and arrears. The EBA finds that, while some NBLs might service segments of the population that may have limited opportunities to access traditional banks for credit, a significant number of the surveyed NBLs appear to apply inadequate practices for information gathering and verification during their CWAs.

The European Banking Authority (EBA) and the European Central Bank (ECB) published today a joint Report on payment fraud data. The report assesses payment fraud reported by the industry across the European Economic Areas (EEA), which amounted to €4.3bn in 2022 and €2.0bn in the first half of 2023. The Report confirms the beneficial impact of strong customer authentication (SCA) on fraud levels.

The European Banking Authority (EBA) today launched a public consultation on its draft Implementing Technical Standards (ITS) for uniform reporting templates in relation to the level of charges for credit transfers and share of rejected transactions under SEPA Regulation. These templates aim to standardise reporting from Payment Service Providers (PSPs) to their National Competent Authorities (NCAs). With such standardisation, the European Commission will be able to monitor the effects of changes to Single Euro Payments Area (SEPA) Regulation on the fees paid by customers of PSPs for payment accounts, as well as instant and non-instant credit transfers. The consultation runs until 31 October 2024.

The European Banking Authority (EBA) today launched a public consultation on its draft ITS overhauling the EBA resolution planning reporting framework. The consultation runs until 30 October 2024.

The three European Supervisory Authorities (EBA, EIOPA and ESMA – the ESAs) today published their joint Final report on the draft Regulatory Technical Standards (RTS) specifying how to determine and assess the conditions for subcontracting information and communication technology (ICT) services that support critical or important functions under the Digital Operational Resilience Act (DORA). These RTS aim at enhancing the digital operational resilience of the EU financial sector by strengthening the financial entities’ ICT risk management over the use of subcontracting.

The European Banking Authority (EBA) published today final Guidelines that extend the existing Joint Committee Guidelines on complaints handling (JC Guidelines) to credit servicers under the new Credit Servicers Directive. When handling complaints from borrowers, credit services are required to apply the same effective and transparent procedures that have been applied for more than a decade to other firms in the banking, insurances and securities sectors.

The European Banking Authority (EBA) today published an Opinion in response to the observations made by European Parliament in its 2022 Discharge Report. Out of 29 observations, which cover the areas of budget and financial management, performance, efficiency and gains, staff policy, prevention and management of conflicts of interest and transparency, procurement, internal control, and other comments, the EBA considers that the large majority (21) has already been addressed or does not require follow-up action. For a smaller number of observations (8) follow-up action is deemed to be an ongoing or continuous effort.

The European Banking Authority (EBA) today published a Peer Review on its Guidelines on the application of the definition of default.  The Review found that the effectiveness of supervision in this area is good, in particular as regards the monitoring of internal ratings-based approach (IRBA) credit institutions. Supervision of the definition of default of credit institutions using the standardised approach (SA) is also good but more varied, reflecting the more dispersed nature of credit institutions and the relative predominance of IRBA credit institutions in terms of size and assets in different jurisdictions. The Report identifies a small number of follow-up measures/recommendations for certain competent authorities as well as best practices that would be of benefit for other competent authorities to adopt.