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2025 EU-wide stress test - Templates
2025 EU-wide stress test - Methodological Note
European Banking Authority (EBA) outlines the methodology for the 2025 EU-wide stress test, detailing credit, market, and counterparty credit risks, macroeconomic scenarios, capital definitions, and regulatory hurdles for participating banks.
2025 EU-wide stress test - Template Guidance
EBA guidance on 2025 EU-wide stress test templates – detailing data requirements, formats, and reporting standards for credit risk, market risk, net interest income, operational risks, and capital projections under supervisory scenarios.
EBA statement on the application of MiCAR to ARTs and EMTs
EBA statement clarifying MiCAR compliance requirements for issuers and offerors of asset-referenced tokens (ARTs) and e-money tokens (EMTs) from 30 June 2024, outlining transitional rules, consumer safeguards, and supervisory expectations for stakeholders and authorities.
Priorities for the supervision of for ART and EMT issuers
EBA outlines 2024-2025 supervisory priorities for issuers of asset-referenced tokens (ARTs) and e-money tokens (EMTs) under MiCAR, focusing on internal governance, financial resilience, technology risk, and financial crime management to ensure holder protection and financial stability.
EBA brings the application of MiCAR to the attention of issuers, consumers, and other relevant stakeholders and announces priorities for the supervision of issuers of ARTs and EMTs for 2024/2025
The European Banking Authority (EBA) today published a statement for the attention of persons issuing to the public, offering to the public, or seeking admission to trading of asset-referenced tokens (ARTs) and e-money tokens (EMTs) and for consumers. The EBA also sets out key topics for supervisory attention across the European Union for issuers of ARTs/EMTs in 2024/2025. Both documents are intended to promote the timely and consistent application of MiCAR.
Stress test 2023
The EBA starts dialogue with the banking industry on 2025 EU-wide stress test methodology
The European Banking Authority (EBA) has today published for informal consultation its draft methodology, templates, and guidance for the 2025 EU-wide stress test. This step marks the beginning of the dialogue with the banking industry and builds upon the methodology used in the 2023 exercise, with improvements reflecting new insights and regulatory changes. Some important changes are introduced, notably the integration of the upcoming Capital Requirements Regulation (CRR3), set to be implemented on January 1, 2025. It also considers the Commission’s announcement[1] to postpone the application date of the fundamental review of the trading book (FRTB). Other enhancements include the centralisation of net interest income (NII) projections and advancements in the market risk methodology to increase risk sensitivity. 68 banks from the EU and Norway, including 54 from the euro area, will participate in the exercise[2], thus covering 75% of the EU banking sector. The expanded geographical reach and incorporation of proportionality features aim to boost efficiency while ensuring the relevance and transparency of the results.
The EBA issues ‘travel rule’ guidance to tackle money laundering and terrorist financing in transfers of funds and crypto assets
The European Banking Authority (EBA) today published its final Guidelines on the so-called ‘travel rule’, i.e. the information that should accompany transfers of funds and certain crypto assets. This rule will help tackle the abuse of such transfers for money laundering and terrorist financing purposes.
Public hearing on Regulatory Technical Standards on operational risk loss
Presentation - public hearing OpRisk Losses
EBA public hearing on 4 July 2024 discussing draft Regulatory Technical Standards (RTS) for operational risk losses under CRR, including risk taxonomy, loss event classification, unduly burdensome conditions, and adjustments for merged entities.
Guidelines on information requirements in relation to transfers of funds and certain crypto-assets transfers under Regulation (EU) 2023/1113
EBA guidelines outlining information requirements for payment service providers and crypto-asset service providers under Regulation (EU) 2023/1113 (Travel Rule) to detect and manage incomplete transfers of funds and crypto-assets, enhancing anti-money laundering and counter-terrorism financing measures, effective December 2024.
Registration now open for 11th Joint ESAs Consumer Protection Day in Budapest
The registration for the 11th Joint Consumer Protection Day organised by the three European Supervisory Authorities (EBA, EIOPA and ESMA – ESAs) on 3 October 2024 in Budapest, Hungary is now open. Interested stakeholders can register until 2 September 2024.
EBA GL 2024 02 - Guidelines on national lists or registers of credit services
2024 06 30 PMR Francois-Louis Michaud
EBA Executive Director François-Louis Michaud’s June 2024 public meeting register – details engagements with PayPal on market trends and fintech developments, and participation in a Paris 1 Sorbonne University colloquium on 50 years of banking and financial law.
2024 06 30 PMR -2024 Jose Manuel Campa
EBA Chairperson Jose Manuel Campa’s June 2024 meeting register – details stakeholder engagements on Basel III implementation, EU bank capital standards, regulatory developments, AI in finance, and risk mitigation for infrastructure investments.
Call for interest
European Banking Authority and European Central Bank call for experts in bank regulatory reporting, data modelling, and supervisory standards to join the Reporting Contact Group (RCG) by 01.08.2024, ensuring EU-wide stakeholder representation and collaboration.
Data Protection Notice – Reporting Contact Group Call for Expression of Interest
European Banking Authority (EBA) data protection notice for the Reporting Contact Group (RCG) call for expression of interest – outlines personal data processing, purposes, applicant rights, and compliance with EUDPR under the Joint Bank Reporting Committee (JBRC) framework.
Risk assessment report July 2024 [pdf]
European Banking Authority's July 2024 Risk Assessment Report analyzes EU/EEA banks' risks, including commercial real estate exposures, non-bank financial intermediaries, asset quality, loan growth, and macroeconomic uncertainties under elevated geopolitical and interest rate conditions.