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The EBA launches its 2025 EU-wide transparency exercise
The European Banking Authority (EBA) today launched its 2025 EU-wide Transparency Exercise with the aim to enhance transparency and market discipline in the EU financial system. This exercise complements banks’ own Pillar 3 disclosures under the EU Capital Requirements Directive (CRD) and provides market participants with consistent and comparable information on the condition of EU banks.
2024 EU wide transparency exercise
2025_adoi_liberadzki_redacted.pdf
2025_adoi_ettl.pdf
European Banking Authority 2025 declaration of interests form for Helmut Ettl (FMA Austria) outlining conflict of interest policy compliance, economic interests, and EBA involvement under EBA/DC/2020/308 guidelines.
2025_adoi_rimmanen.pdf
EBA 2025 Annual Declaration of Interests form – requires staff and contractual parties to disclose financial interests, conflicts of interest, and compliance with ethics guidelines under Staff Regulations and EBA’s Conflict of Interest Policy to ensure independence and transparency.
2025_adoi_vaillant.pdf
EBA Annual Declaration of Interests (ADoI) form for 2025 – requires staff and contractual parties to disclose financial interests, conflicts of interest, and compliance with ethics guidelines under EU Staff Regulations and EBA’s Conflict of Interest Policy.
2025_adoi_pikaro.pdf
EBA Annual Declaration of Interests (ADoI) form for staff and contractual parties – requires disclosure of financial interests, conflicts of interest, and compliance with EBA ethics guidelines, Staff Regulations, and conflict of interest policies under Regulation (EU) No 1093/2010.
2025_adoi_mihalik_redacted.pdf
EBA's 2025 Annual Declaration of Interests form for staff – requires disclosure of financial assets, crypto holdings, and potential conflicts under Regulation (EU) No 1093/2010 and EBA’s Conflict of Interest Policy.
2025_adoi_-_ed.pdf
EBA Annual Declaration of Interests (ADoI) form – requires staff and contractual parties to disclose financial interests, conflicts of interest, and compliance with ethics guidelines under EU Staff Regulations and EBA’s Conflict of Interest Policy to ensure independence and transparency.
Speech Innovation, competition and security - Payments Tomorrow
EBA speech at Payments Tomorrow Conference 2025 analysing the impact of PSD1 and PSD2 on EU payments innovation, competition, and security, while outlining upcoming regulatory changes like PSD3, PSR, and FIDA to enhance open banking, fraud prevention, and customer protection.
Rising application of AI in EU banking and payments sector
EBA report on AI adoption in EU banking and payments – analyses use cases, market trends, and risks, including credit scoring, fraud detection, customer support, and General-Purpose AI (GPAI), highlighting efficiency gains and regulatory challenges as of 2025.
Innovation, competition and security: how regulation continues to shape the EU payments market
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3_-_sovexp.xlsx
1_-_rwa.xlsx
Credit Risk parameters annex - Q2 2025 [xlsx]
Credit Risk parameters annex - Q2 2025 [pdf]
EBA Q2 2025 report on credit risk parameters for IRB banks in EU and non-EU countries – presents statistical data on default rates, loss rates, probability of default (PD), and loss given default (LGD) by counterparty type and country, sourced from COREP C 9.02.
Risk Dashboard - Q2 2025
EBA Risk Dashboard Q2 2025 – quarterly assessment of EU banking sector risks covering solvency, credit risk, asset quality, profitability, funding, and liquidity through key indicators and trends.
Q2 2025 supervisory data indicate improvements in ROE despite continued tightening of net interest margins in EU/EEA banks
The European Banking Authority (EBA) today published its Q2 2025 Risk Dashboard (RDB), which discloses aggregated statistical information for the largest EU/EEA credit institutions.