The Deposit Guarantee Scheme Directive (DGSD) aims to facilitate access to the internal market through the freedom of establishment and the freedom to provide financial services while increasing the stability of the banking system and the protection of depositors. To fulfil its role of monitoring the implementation of the DGSD, national authorities must notify the EBA of any relevant information as well as of any actions taken. The EBA publishes the non-confidential elements of these […]
The EBA has a strong interest in promoting sound and high quality accounting and disclosure standards for the banking and financial industry, as well as transparent and comparable financial statements that strengthen market discipline. The EBA also advocates for sound audit practices that contribute to high quality corporate reporting and to useful and understandable auditor reporting. The developments in the area of international accounting and auditing standard setting are, therefore, […]
ECAIs play a significant role in the standardised approach and securitisation framework of prudential regulation through the mapping of each of their credit assessments to the corresponding risk weights. The EBA, together with ESMA and EIOPA, has been assigned the task of providing an objective mapping across all ECAIs in order to promote a consistent implementation of CRR across the EU. Importantly, the EBA will also contribute to the implementation of CRR2/CRDV and CRA 3 Regulation in […]
The EBA identifies and addresses harm that arises for EU consumers as a result of their interactions with financial institutions. It does so for all retail banking products in the EBA’s scope of action, which are mortgage credit, consumer credit, payment accounts, payment services, electronic money, and deposits, including structured deposits. linksEBA's information for consumerESMA's Investor cornerEIOPA's Consumer ProtectionJoint Consultation on amendments to the PRIIPs KIDJoint ESAs […]
The EBA has a statutory duty to monitor and assess market developments, including financial innovation, to achieve a coordinated approach and to provide advice to the co-legislators where needed. In 2026 the EBA has a priority to enhance the technological capacity of all stakeholders.In line with this mandate, the EBA continues a particular focus on i) artificial intelligence and machine learning, ii) crypto-asset markets, DLT use cases and iii) value chain evolutions […]
From 1 January 2026, responsibility for all EU‑level anti‑money laundering and counter‑terrorist financing (AML/CFT) tasks has moved from the European Banking Authority (EBA) to the new Anti‑Money Laundering Authority (AMLA).AMLA now develops and enforces the EU’s common AML/CFT rules, directly supervises selected high‑risk financial institutions, and coordinates the work of national Financial Intelligence Units (FIUs).For any AML/CFT‑related information going forward, please visit: https […]
The EBA cooperates regularly and closely with the other two European Supervisory Authorities (ESAs), EIOPA and ESMA, through the ESAs' Joint Committee. The aim of this cooperation is to ensure cross-sectoral consistency of work and to reach joint positions in the area of supervision of financial conglomerates, under the Financial Conglomerates Directive (FICOD, 2002/87/EC). In this respect, the ESAs tasks include, in particular, contribution to the European Commission's fundamental review of […]
EU legislation requires that institutions have robust governance arrangements, including a clear organisational structure with well defined, transparent and consistent lines of responsibility, effective risk management processes, control mechanisms and gender neutral remuneration policies. The internal governance should be appropriate to the nature, scale and complexity of the institution. The main responsibility for internal governance lies with the management body, which is subject to […]
Investment firms authorised under the Markets in Financial Instruments Directive (MiFID) provide a range of services and activities to investors in financial markets. These services are essential for the functioning of the financial markets and include, among others, the reception and transmission of orders, the provision of investment advice, discretionary portfolio management and trading on own account.The population of investment firms across the EU is diverse and firms vary greatly in […]
The core aim of the large exposures regime is to act as a backstop to prevent an institution from incurring disproportionately large losses as a result of the failure of an individual client or group of connected clients due to the occurrence of unforeseen events. The objective of ensuring that risks arising from large exposures to individual clients or groups of connected clients are kept to an acceptable level is part of the overarching principles of prudential supervision, which are to […]
The leverage ratio is a measure which allows for the assessment of institutions’ exposure to the risk of excessive leverage. In accordance with the CRR, institutions have to report to their supervisors all necessary information on the leverage ratio and its components. In addition, institutions have to disclose information on the leverage ratio to the market. When necessary, the EBA updates its implementing technical standards providing uniform formats and modalities on reporting and […]
