Other topics
The section presents the EBA's work related to a variety of financial and banking topics.
Technical Standards, Guidelines & Recommendations
Technical standards
Guidelines
Recommendations
Opinions, Reports and other Publications
Opinions
Opinion of the EBA on measures in accordance with Article 458 of CRR on CRE exposures in Sweden
EBA opinion on Sweden’s request to extend CRR Article 458 risk weight floors for commercial and residential property-backed corporate exposures under the IRB approach, assessing capital adequacy and systemic risk in the Nordic-Baltic financial sector.
Opinion of the EBA on measures in accordance with Article 458 of CRR on RRE exposures in Sweden
EBA opinion on Sweden’s request to extend a 25% risk weight floor for residential real estate exposures under CRR Article 458, assessing macroprudential risks in the Swedish mortgage market and IRB model concerns until December 2027.
Opinion on measures in accordance with Art. 458 of Regulation (EU) No 575/2013
EBA opinion on Norway’s proposal under Article 458 of Regulation (EU) No 575/2013 to raise the risk weight floor for residential real estate exposures from 20% to 25% for IRB banks, addressing systemic risks from high household debt and real estate market imbalances until December 2026.
Opinion of the EBA on measures in accord. with Art. 458 of Reg. (EU) No 5752013
EBA opinion on the Netherlands' request to extend a macroprudential measure under CRR Article 458, imposing a minimum average risk weight on Dutch residential mortgage exposures for IRB banks until November 2026 to address systemic risks in the housing market.
EBA Opinion on measures in accordance with Article 124 (EBA/Op/2024/02)
EBA opinion on Norway’s proposal under CRR Article 124 to adjust risk weights for commercial immovable property exposures to 100% and 75% (retail), while exempting agricultural property to align with lower historical losses and economic risks.
Opinion of the EBA on measures in accordance with Article 124 of Regulation (EU) No 575
EBA opinion on Latvia’s proposal to reduce risk weights for commercial immovable property exposures under CRR Article 124, assessing financial stability impacts and approving an 80% risk weight for standardised approach institutions from June 2024.
EBA-Op-2023-11 Opinion of the EBA on measures in accordance with Article 458 of Regulation (EU) No 5752013.pdf
EBA Opinion on measures in accordance with Article 458 (EBA-Op-2023-11)
EBA-Op-2023-09 Opinion of the EBA on measures in accordance with Article 124 of CRRR.pdf
Opinion of the EBA on measures in accordance with Article 124 of CRR
EBA-Op-2023-06 Opinion of the EBA on measures in accordance with Article 458 of Regulation (EU) No 5752013.pdf
Opinion of the EBA on measures in accordance with Article 458 (EBA/Op/2023/06)
Reports
Report on Supervisory Convergence 2024
EBA 2024 report on supervisory convergence assessing prudential supervision, resolution planning, MREL compliance, digital finance under MiCA, AML/CFT frameworks, and cross-cutting activities including peer reviews and Q&As to strengthen EU banking supervision.
Report on the efficiency of the regulatory and supervisory framework
European Banking Authority (EBA) report assessing the efficiency of the EU regulatory and supervisory framework, proposing improvements in Level 2/3 regulatory products, reporting burden, prudential framework, and internal working arrangements by 2025–2026.
Basel III monitoring Report
European Banking Authority report presenting results of the Basel III monitoring exercise as of December 2023, analysing the impact of final Basel III reforms on EU banks' capital ratios, credit risk, operational risk, output floor, and leverage requirements under EU-specific and baseline scenarios.
EBA Follow-up report on the Peer Review on the Joint ESAs Guidelines on the prudential assessment
EBA follow-up report assessing progress by EU and EEA competent authorities in applying Joint ESAs Guidelines on prudential assessment of qualifying holdings acquisitions under CRD Articles 22-23, covering acting in concert, significant influence, indirect acquisitions, reputation, financial soundness, and anti-money laundering risks.
Report on EU dependence from non-EU entities.pdf
Report on EU dependence from non-EU entities
Q&A on FinTech Roadmap.pdf
European Banking Authority (EBA) Q&A on its FinTech Roadmap – clarifies priorities, regulatory approach, and initiatives for 2018/2019, including innovation monitoring, consumer protection, virtual currencies, and cross-border supervisory cooperation under the EU FinTech Action Plan.
EBA FinTech Roadmap.pdf
European Banking Authority (EBA) FinTech Roadmap outlines priorities and actions following a 2017 consultation, focusing on regulatory sandboxes, prudential risks, consumer protection, AML/CFT, and technological neutrality to foster innovation in EU financial services.
Report on OFIs.pdf
Report on OFIs
EBA report on the range of practices regarding macroprudential policy measures.pdf
EBA report on the range of practices regarding macroprudential policy measures
2014-207 ESMA-EBA Review of Euribor Recommendations.pdf
European Banking Authority and European Securities and Markets Authority Report - Review of the Implementation of EBA-ESMA Recommendations to Euribor-EBF (20 February 2014)
Other publications
31-12-2022 List of TCGs with IPU(s) and TCBs.xlsx
List of third country groups with IPUs and third country branches
Statement on timely preparatory steps towards the application of MiCAR to asset-referenced and e-money tokens.pdf
Statement on timely preparatory steps towards the application of MiCAR to asset-referenced and e-money tokens
2014 10 27 (Letter to J Faull COM re EBA Recommendation - Compliance) signed.pdf
2014 10 27 (Letter to J Faull COM re EBA Recommendation - Compliance_
2014 10 24 BDIF response to EBA REC 2014 02.pdf
2014 10 24 BDIF response to EBA REC 2014 02
2014 10 21 BNB response to EBA REC 2014 02.pdf
2014 10 21 BNB response to EBA REC 2014 02
20080812B2.pdf
Committee of European Banking Supervisors publication - Range of practices on some Basel II implementation issues (12 August 2008)