Reports

European Supervisory Authorities (EBA, EIOPA, ESMA) and ESRB joint report assessing key risks and vulnerabilities in the EU financial system for Spring 2026, focusing on geopolitical risks and private finance impacts.

EBA report assessing the impact of Minimum Requirement for Own Funds and Eligible Liabilities (MREL) under BRRD on EU banks' funding, marketability, profitability, and business models from 2022 to 2024, including eligible debt trends and compliance strategies.

European Banking Authority report on the second phase of IRRBB heatmap implementation, outlining medium to long-term actions, observations, and recommendations on interest rate risk, commercial margin modelling, credit spread risk, and hedging strategies under the IRRBB framework.

EBA report assessing the completeness and appropriateness of prudential consolidation definitions and provisions under Article 18(10) of the CRR, covering scope, control, financial institutions, and special purpose entities with policy recommendations for the European Commission.

EBA December 2025 update on equivalence monitoring of non-EU jurisdictions' banking regulations – assessing regulatory frameworks, supervisory practices, and market trends to support EC equivalence decisions under EU banking rules.

Joint ESAs report assessing whether statutory auditors and audit firms should be included in DORA’s scope, analyzing regulatory implications, market impact, and supervisory challenges, concluding no extension is warranted at this stage.

EBA December 2025 update on equivalence monitoring of non-EU jurisdictions – assessing regulatory and supervisory frameworks for financial stability, market integrity, and investor protection, summarizing EC equivalence decisions for 26 jurisdictions under EU banking regulations.

EBA and ECB 2025 report analysing payment fraud trends, including fraud levels, types, impact of Strong Customer Authentication (SCA), losses, and geographical patterns across EU payment instruments.

European Banking Authority follow-up peer review report assessing implementation of PSD2 authorisation guidelines by competent authorities, covering AML/CFT controls, governance, local substance, and resource adequacy as of 2025.

European Banking Authority (EBA) Autumn 2025 Risk Assessment Report – analyses key risks and vulnerabilities in the EU/EEA banking sector, covering macroeconomic trends, asset quality, liquidity, capital, profitability, operational resilience, geopolitical threats, and retail risks with mitigation measures.