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The European Banking Authority (EBA) today published its final Guidelines on proportionate retail diversification methods under the Capital Requirements Regulation (CRR). The Guidelines provide a harmonised framework to assess whether their retail portfolios are sufficiently diversified, while ensuring a proportionate application for smaller institutions.

The European Banking Authority (EBA) launched today a public consultation on its Discussion Paper on the simplification and assessment of the credit risk framework. The Paper sets out preliminary ideas to enhance the usability, efficiency and simplicity of the credit risk framework, aiming to stimulate a broader discussion on how to better structure the EBA’s future work in this area. Based on the comments received, the EBA will assess potential simplifications as part of its future policy work. The consultation runs until 10 May 2026.

The European Banking Authority (EBA) today published its final draft amending Regulatory Technical Standards (RTS) on the types of factors to be considered by national authorities in assessing the appropriateness of real estate risk weights. This review is driven by the revised Capital Requirements Regulation (CRR 3), which confers a new mandate onto the EBA regarding the Standardised Approach of credit risk.

The European Banking Authority (EBA) today published its final draft Regulatory Technical Standards (RTS) on the allocation of off-balance sheet items and the specification of factors that might constrain institutions’ ability to cancel unconditionally cancellable commitments.

The European Banking Authority (EBA) today published its final Regulatory Technical Standards (RTS) specifying what constitutes an “equivalent legal mechanism” for unfinished property exposures under the Capital Requirements Regulation (CRR). These RTS are part of the first phase of the EBA’s roadmap for implementing the EU Banking Package and take into account the stakeholders’ feedback, including targeted amendments to ensure both prudential soundness and practical applicability across the EU.

The European Banking Authority (EBA) today published its final Guidelines on the treatment of Acquisition, Development and Construction (ADC) exposures to residential property under the Capital Requirements Regulation (CRR). The Guidelines specify the conditions under which institutions may apply a risk weight of 100% instead of 150% to ADC exposures that meet defined credit risk-mitigating requirements. These Guidelines form part of the first phase of the EBA’s roadmap on credit risk implementation of the EU Banking Package. The Guidelines follow a public consultation launched in May 2024 and take into account stakeholder feedback as well as data collected through the related 2024 Quantitative Impact Study (QIS).

The European Banking Authority (EBA) today repealed its Guidelines on specification of types of exposures to be associated with high risk due to the application of the new capital requirement regulation (CRR 3). The repeal of the Guidelines aims at providing legal certainty to the market.

The European Banking Authority (EBA) today launched a public consultation on its draft amending Regulatory Technical Standards (RTS) on the types of factors to be considered by national authorities in assessing the appropriateness of real estate risk weights. This review is driven by the revised Capital Requirements Regulation (CRR 3), which confers a new mandate onto the EBA. The consultation runs until 30 May 2025.

The European Banking Authority (EBA) today published its 2024 Reports on the annual market and credit risk benchmarking exercises. For the first time, the EBA also released a specific Report on the fundamental review of the trading book Alternative Standardised Approach (FRTB ASA). These exercises aim at monitoring the consistency of risk weighted assets (RWAs) across all EU institutions authorised to use internal approaches for the calculation of capital requirements.