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List of figures
jc_2024_61-_mandate_of_the_jc_sub-committee_on_consumer_protection_and_financial_innovation_jc_sc_cpfi.pdf
EBA, EIOPA, and ESMA outline the mandate of their Joint Committee’s Consumer Protection and Financial Innovation Sub-Committee, focusing on cross-sectoral consistency in consumer protection, financial innovation, regulatory convergence, and financial literacy under EU financial regulations.
jc_2024_60_-_joint_committee_of_the_european_supervisory_authorities_rules_of_procedures.pdf
European Supervisory Authorities (EBA, EIOPA, ESMA) update the Joint Committee’s Rules of Procedure for 2024, defining governance, meeting protocols, and cross-sectoral cooperation on financial stability, consumer protection, cybersecurity, and prudential oversight.
jc_2024_62_-_mandate_of_the_jc_sub-committee_on_financial_conglomerates_jcfc_.pdf
EBA, EIOPA, and ESMA outline the mandate of the Joint Committee Sub-Committee on Financial Conglomerates (JCFC), detailing its role in supervisory coordination, systemic risk assessment, and regulatory input under the Financial Conglomerates Directive (2002/87/EC).
jc_2024_63_-_mandate_of_the_jc_securitisation_committee_jcsc.pdf
European Supervisory Authorities’ Joint Committee establishes the mandate of the Securitisation Committee (JCSC) under the Securitisation Regulation (EU) 2017/2402, outlining its role in coordinating supervision, ensuring consistent STS securitisation implementation, and resolving cross-sectoral disputes among competent authorities.
Notifications MiCAR Member States to EBA and ESMA
EBA and ESMA outline notification requirements for EU Member States under MiCAR (Regulation 2023/1114), covering designation of competent authorities (Article 93), implementation of Title VII (Article 99), and rules on administrative penalties (Article 111), including submission templates and procedures.
List of Boxes
Annex: Sample of banks
Policy conclusions and suggested measures
Retail risk indicators
Special topic – Artificial intelligence
Operational risks and resilience
Profitability
Capital and risk-weighted assets
Liabilities: funding and liquidity
Asset side
Macroeconomic environment and market sentiment
Risk Assessment Report - November 2024
The European Supervisory Authorities (EBA, EIOPA, ESMA – ESAs) publish Joint Guidelines on the system for the exchange of information relevant to fit and proper assessments
To enhance the information exchange between supervisory authorities within the European Union, also across different parts of the financial sector, the ESAs have developed an ESAs F&P Information System. The Joint Guidelines clarify its use and how data can be exchanged.