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Joint EBA and ESMA factsheet on Crypto lending, borrowing and staking
EBA and ESMA factsheet summarizing key findings on crypto lending, borrowing, and staking in the EU, including market size, risks (consumer protection, liquidity, ML/TF), and regulatory considerations under MiCAR for 2025.
Joint EBA and ESMA factsheet on Decentralised Finance (DeFi)
EBA and ESMA factsheet summarising key findings from the 2025 joint report on Decentralised Finance (DeFi), covering market size, EU financial sector exposure, risks (ICT, money laundering, consumer protection), and Maximal Extractable Value (MEV) impacts under MiCAR framework.
Opinion on interaction between Pillar 2 requirements and the output floor
EBA opinion clarifying how competent authorities should apply the interaction between Pillar 2 requirements and the output floor under CRD IV, including temporary caps and double-counting reviews in the SREP framework, effective from 2025.
EBA publishes an Opinion on the interaction between the output floor and Pillar 2 requirements
The European Banking Authority (EBA) today published an Opinion on the interaction between the output floor and Pillar 2 Requirements (P2R) in the context of the mandate set forth in the Capital Requirements Directive (CRD). The Opinion considers that the nominal amount of P2R is not to increase as a result of an institution becoming bound by the output floor and highlights the possibility of double counting in setting the P2R of risks already covered by the effects of a binding output floor.
The EBA launches its 2025 EU-wide stress test
The European Banking Authority (EBA) today launched its 2025 EU-wide stress test and released the macroeconomic scenarios. This year’s exercise is designed to provide valuable input for assessing the resilience of the European banking sector in the current uncertain and changing macroeconomic environment. The adverse scenario is based on a narrative of hypothetical worsening of geopolitical tensions, with large, negative, and persistent trade and confidence shocks having strong adverse effects on private consumption and investments, both domestically and globally. The severe nature of the adverse scenario reflects the purpose of the stress test exercise, which is to assess the resilience of the European banking system to a hypothetical severely deteriorated macroeconomic environment. The EBA expects to publish the results of the exercise at the beginning of August 2025.
2025 EU-wide stress test - Macro financial scenario [xlsx]
2025 EU-wide stress test - Market risk scenario [xlsx]
2025 EU-wide stress test - Real GVA by sector [xlsx]
2025 EU-wide stress test - Templates
2025 EU-wide stress test - Templates [xlsx]
2025 01 15 PMR Francois-Louis Michaud
EBA public meeting register for January 1-15, 2025, listing no disclosed meetings involving Executive Director François-Louis Michaud, covering stakeholder engagements and hospitality records.
Public hearing _RTS on CCP
European Banking Authority public hearing on draft Regulatory Technical Standards amending Delegated Regulation (EU) 2018/1108, focusing on criteria for appointing central contact points under AML/CFT frameworks and next steps.
2025 EU-wide stress test - Methodological Note
European Banking Authority (EBA) outlines the 2025 EU-wide stress test methodology, detailing credit, market, and counterparty credit risks, net interest income projections, macroeconomic scenarios, and regulatory capital requirements for participating banks.
2025 EU-wide stress test - Template Guidance
European Banking Authority guidance for the 2025 EU-wide stress test – detailing template requirements, data formats, and reporting standards for credit risk, market risk, net interest income, operational risks, and capital projections.
FAQs on 2025 EU-wide stress test
EBA’s 2025 EU-wide stress test FAQs explain the exercise’s objectives, methodology under CRR3, roles of EBA, ECB, ESRB, and national authorities, timeline, and key changes like centralised net interest income projections and sectoral credit risk breakdown for 64 participating banks.
2025 EU-wide stress test - Macro financial scenario
EBA and ESRB outline the 2025 EU-wide banking stress test’s macro-financial scenarios, assessing bank resilience under adverse economic conditions like geopolitical tensions, trade fragmentation, and market volatility for 2025–2027.
2025 EU-wide stress test - Market risk scenario
EBA 2025 EU-wide stress test – market risk scenario outlining equity, commodity, fund, interest rate, and FX shocks for EU and global banks, including specific index and currency impacts under adverse conditions.
2025 EU-wide stress test - Real GVA by sector
EBA 2025 EU-wide stress test data on real Gross Value Added (GVA) growth projections for EU countries and sectors under baseline and adverse scenarios, covering 2025–2027 with historical trends and cumulative impacts.
ESRB letter to EBA on adverse scenario for the EBA 2025 EU-wide stress test
European Systemic Risk Board (ESRB) transmits the adverse macro-financial and market risk scenarios for the EBA 2025 EU-wide stress test, approved by its General Board, covering systemic risk assessment and market developments under EBA regulation.