EBA 2020 workshop discussion on neobanks' profitability challenges, analyzing survey data from 15 digital-only banks to assess financial performance trends and operational risks in the absence of physical branches.
EBA Policy Research Workshop 2020 discussion on compressing over-the-counter markets, analysing theoretical efficiency, netting opportunities, and network modeling impacts on risk reduction in derivatives trading.
EBA 2020 Policy Research Workshop discussion paper analysing the impact of technology in banking on financial stability during crises, covering empirical models, regulatory data, and policy implications for digital lending resilience.
IMF presentation analysing the role of technology in banking stability during crises, focusing on IT adoption in US banks before the 2008 financial crisis, its impact on non-performing loans, mortgage delinquency, and lending resilience.
Speech by Basel Committee Secretary General Carolyn Rogers at the 2020 EBA Policy Research Workshop – explores the role of research in shaping Basel frameworks, lessons from past regulatory approaches, and key areas for academic input in evaluating post-crisis reforms and emerging risks.
EBA Policy Research Workshop discussion on how fintech platforms impact mortgage lending geography, bank competition, pricing, and automation, analysing bank responses to online borrower matching and local market concentration effects.
EBA 2020 workshop presentation by ACPR’s Laurent Clerc analysing neobanks’ profitability challenges, growth trends, and disruptive potential in the French banking sector under PSD1/PSD2 frameworks.
ESRB and academic study analysing how portfolio compression reduces notional amounts and network risks in over-the-counter derivatives markets, using credit-default-swap data to assess post-crisis regulatory impacts and central clearing mandates.
Piers Haben, Director of the Banking, Markets, Innovation and Consumers department at the EBA, spoke about a multi-layered approach to regulation at the event "What to regulate? How to regulate? Who should regulate?" organised by the European Association for Banking and Financial Law. In his speech, Piers Haben highlighted the EBA's approach towards innovative applications of technology in the financial sector in accordance with the principle of technological neutrality.
The European Banking Authority (EBA) published today a first assessment of the use of COVID-19 moratoria and public guarantees across the EU banking sector. COVID-19 related moratoria on loan repayments provided breathing space to borrowers across many countries with many banks reporting that loans under moratoria represented a significant share of their total loans. The use of moratoria was particularly widespread for SMEs and commercial real estate but were also important for mortgage loans in some countries. While public guarantees were used to a lesser extent, they allowed banks to provide new lending to many companies impacted by the crisis. The EBA will be closely monitoring the evolution of moratoria and public guarantee schemes (PGSs) in the following quarters.
Report on the unwind mechanism of the LCR
The European Banking Authority (EBA) published today a Report on the effects of the unwind mechanism of the liquidity coverage ratio (LCR) over a three-year period, from the end of 2016 to the first quarter of 2020. Overall, the empirical evidence does not support the hypothesis that the unwind mechanism has a detrimental impact on the business and risk profile of credit institutions.
The European Banking Authority (EBA) published today its Report on the benchmarking of national loan enforcement frameworks across EU Member States, in response to the EU Commission’s call for advice. The Report introduces for the first time a set of benchmarks for bank loan recovery and identifies areas where the divergence in the national insolvency regimes is wider. In addition, the Report provides an overview of the characteristics of insolvency regimes that help explain the differences across the EU.
EBA's response to the Call for Advice
Report on the benchmarking of national loan enforcement frameworks
Highlights of the event
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