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IT solutions – instructions and templates for Operational risk - track changes [zip] - 17/12/2025
IT solutions – instructions and templates for Operational risk - clean [zip] - 17/12/2025
Joint ESAs Report on Consultation pursuant to Article 58 of DORA
Joint ESAs report assessing whether statutory auditors and audit firms should be included in DORA’s scope, analyzing regulatory implications, market impact, and supervisory challenges, concluding no extension is warranted at this stage.
European Commission's Letter to ESAs on the review clause statutory auditors and audit firms
European Commission consults European Supervisory Authorities (EBA, EIOPA, ESMA) on whether statutory auditors and audit firms should be subject to DORA’s digital operational resilience requirements, ahead of a 2026 report assessing strengthened regulatory oversight.
Credit Risk parameters annex - Q3 2025
EBA Q3 2025 report on credit risk parameters for IRB banks in EU and non-EU countries – presents default rates, loss rates, probability of default (PD), and loss given default (LGD) statistics by counterparty type and country.
Q3 2025 supervisory data confirm solid and stable asset quality, solvency, liquidity and profitability in EU/EEA banks, despite high macroeconomic and geopolitical risks
The European Banking Authority (EBA) today published its Q3 2025 Risk Dashboard (RDB), for the first time within EDAP, the European Data Access Portal. The data confirm that asset quality, solvency, liquidity and profitability in the banking sector of the European Union/European Economic Area (EU/EEA) remain stable, even amid heightened macroeconomic and geopolitical risks.
The EBA provides guidance to banks on enhanced reporting requirements for operational risk ahead of new June 2026 reference date
The European Banking Authority (EBA) today published clear guidance for banks on how to manage enhanced reporting requirements for operational risk, following the postponement of the first reference date under the amended Implementing Technical Standards (ITS). This move comes after the European Commission adopted Regulation (EU) 2025/2475, which delays the application of new operational risk reporting obligations to the end of June 2026.
Board of Supervisors meeting
The EBA publishes its final draft technical standards setting out the threshold and prudential risk management requirements of central securities depositories and credit institutions providing banking-type ancillary services
The European Banking Authority (EBA) today published its final draft Regulatory Technical Standards (RTS) establishing the threshold up to which- non-banking CSDs (“designating CSDs”) may use banking CSDs or credit institutions for cash settlement without entities needing additional authorisation.
IT solutions (instructions) after ITS adoption in all EU languages (Revised 16.12.2025_Applicable from June 2026)
2025 12 15 PMR -2025 Jose Manuel Campa
EBA Chairperson Jose Manuel Campa’s December 2025 meeting register covering discussions on EBA priorities 2026–2028, MICA regulation, stablecoins, EU regulatory outlook, and cross-border financial cooperation with ASEAN+3 stakeholders.
Final draft RTS on the threshold for Central Securities Depositories (CSDs) providing 'banking type ancillary services'
EBA final draft Regulatory Technical Standards (RTS) under the Central Securities Depositories Regulation (CSDR) setting thresholds for CSDs providing banking-type ancillary services, including dynamic risk-based limits (EUR 3.75bn–6.25bn) and prudential requirements to mitigate credit and liquidity risks while ensuring market stability.
Update on EBA Equivalence Monitoring
EBA December 2025 update on equivalence monitoring of non-EU jurisdictions – assessing regulatory and supervisory frameworks for financial stability, market integrity, and investor protection, summarizing EC equivalence decisions for 26 jurisdictions under EU banking regulations.
ESAs publish key tips to help consumers detect, prevent, and act on online frauds and scams
The three European Supervisory Authorities (EBA, EIOPA and ESMA – ESAs) today published two factsheets designed to help consumers protect themselves from crypto and other online frauds and scams and explain how fraudsters increasingly use artificial intelligence (AI) to deceive consumers. To make the information easily accessible, the factsheets are available in all official EU languages and reproduced by national authorities.
Joint EBA-ECB report on payment fraud: strong authentication remains effective but fraudsters are adapting
The European Banking Authority (EBA) and the European Central Bank (ECB) today published the 2025 edition of their joint report on payment fraud. The report covers the semi-annual data for 2022 to 2024 and confirms that the legal requirement for strong customer authentication (SCA) introduced in 2020 has contributed to reducing fraud levels. However, it also highlights the need for continued vigilance and for security measures to be adapted to combat new emerging types of fraud.
Crypto fraud and scams: stay alert and protect yourself
EBA consumer guide on crypto fraud and scams – outlines warning signs, protection steps, and actions to take if targeted, covering Ponzi schemes, fake investments, phishing, and secure wallet practices to prevent financial loss and identity theft.
Online financial frauds and scams in an AI world
EBA guidance on identifying and preventing AI-powered online financial frauds and scams, including phishing, impersonation, crypto fraud, and deepfakes, with warning signs and protective measures for consumers.
Final Minutes of Joint BoS BSG meeting on 15 October 2025
EBA Board of Supervisors and Banking Stakeholder Group meeting minutes from October 2025 covering discussions on loan enforcement frameworks benchmarking, insolvency harmonization, and recovery process efficiency across EU member states, including data analysis and policy implications for the 28th Regime.
EBA and ECB Report on Payment Fraud
EBA and ECB 2025 report analysing payment fraud trends, including fraud levels, types, impact of Strong Customer Authentication (SCA), losses, and geographical patterns across EU payment instruments.