EBA’s 2023 methodological note explains the selection, calculation, and interpretation of 11 Retail Risk Indicators (RRIs) monitoring consumer harm in mortgage credit, consumer credit, and payment accounts across the EU. It outlines data limitations, annual updates, and how these indicators support supervisory prioritization in consumer protection.
The European Banking Authority (EBA) today published a Report on the deposit coverage level and coverage of public authorities’ deposits, in response to a call for advice by the European Commission. The quantitative analysis and simulation show that a potential change to the current coverage level of EUR 100,000 would have positive but limited impact on financial stability and depositor protection. On the other hand, it would be costly and have a somewhat negative impact on moral hazard. The analysis also shows that the extension of coverage to public authorities’ deposits would have limited impact on the industry, mainly because there are relatively few public authorities in comparison to the overall number of depositors across the EU.
European Banking Authority (EBA) letter to the European Commission outlining its report on deposit coverage levels, addressing the adequacy and potential adjustments of deposit guarantee schemes under EU regulations.
European Banking Authority report assessing deposit coverage levels in the EU, analysing impacts of potential changes, policy implications for financial stability, consumer protection, and costs for banks in response to the European Commission’s call for advice.
European Banking Authority (EBA) Chairperson Jose Manuel Campa’s December 2023 public meeting register – covering stakeholder discussions on CRR3/CRD VI, banking union, capital markets, crypto regulation, and sustainability reporting.
The European Banking Authority (EBA) today published the final Guidelines on the benchmarking of diversity practices, including diversity policies and gender pay gap, under the Capital Requirements Directive (CRD) and the Investment Firms Directive (IFD). These Guidelines will ensure a higher level of transparency on the EBA’s work on the topic of diversity and gender equality and will help improve the quality of the collected data as well as the awareness of all stakeholders in this area.
EBA final guidelines establishing a harmonised benchmarking exercise for diversity practices, including management body composition, diversity policies, and gender pay gap under CRD IV and IFD. Covers data collection, reporting requirements, and triennial Union-level analysis starting in 2025.
EBA decision establishing supervisory reporting requirements for diversity benchmarking, including gender pay gap data, under CRD, CRR, MiFID, and IFD. Sets criteria for selecting representative samples of credit institutions and investment firms to ensure consistent, high-quality reporting via EUCLID.
European Banking Authority (EBA) Chairperson Jose Manuel Campa’s November 2023 public meeting register – details engagements on regulatory outlook, ESG risks, CRR3/CRD VI implementation, and climate-related risk management with financial institutions and stakeholders.
EBA final report establishing guidelines for credit servicers and authorities to assess the collective and individual knowledge and experience of management organs under Directive (EU) 2021/2167, ensuring proportionality and compliance.
The European Banking Authority (EBA) today published its final Guidelines on the assessment of adequate knowledge and experience of the management or administrative organ of a credit servicer as a whole, under the Non-Performing Loans Directive. The Guidelines aim at ensuring that the organs are suitable to conduct the business of the credit servicer in a competent and responsible manner.
The European Banking Authority (EBA) today published its response to the European Commission’s call for advice on green loans and mortgages. The EBA proposes the introduction of a voluntary EU label for green loans based on a common EU definition and the integration of the concept of green mortgage and its key sustainability features in the Mortgage Credit Directive.
EBA submits report and opinion to the European Commission on green loans and mortgages, proposing an EU definition, voluntary label based on the Taxonomy, and measures to boost uptake while ensuring borrower protection and transparency in sustainable lending.
European Banking Authority (EBA) annex providing a December 2023 market overview of green loans and mortgages, analyzing their share, standards, and classification across households, SMEs, and non-financial corporations in the EU prudential framework.
EBA Banking Stakeholder Group supports ISSB’s climate-related disclosure standards to enhance global transparency on climate risks, aligning with ESRS and SFDR frameworks to promote interoperability and reduce greenwashing in sustainable finance.
EBA opinion on green loans and mortgages for retail borrowers and SMEs – proposes an EU-wide definition based on the Taxonomy Regulation, assesses market practices, and recommends measures to boost uptake while ensuring consumer protection and market credibility.
EBA report from December 2023 analyzing green loans and mortgages in the EU, assessing market practices, challenges, and proposing a common framework for definition, labeling, and transition finance under the sustainable finance agenda.