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Thematic note on moratoria and public guarantees

Speech

European Banking Authority keynote speech exploring digital money trends, including CBDCs, private digital currencies, and their impact on monetary policy, seigniorage, and financial sovereignty in the digital age.

Speech by Basel Committee Secretary General Carolyn Rogers at the 2020 EBA Policy Research Workshop on the role of research in shaping Basel frameworks, including Basel III reforms, macroprudential policies, and lessons from internal models, while highlighting future research priorities for banking regulation.

EBA analysis on digital currencies (CBDC and stablecoins) in financial networks – examines balance sheet impacts, funding risks, and network stability effects from deposit shifts, assessing systemic consequences for banks, households, and non-financial sectors under varying designs and timing.

EBA study analysing neobanks' profitability challenges, covering digitalisation, fintech innovation, and business models in the EU banking sector, with insights from ACPR's research on remote identity verification and digital platforms.

EBA-supported study analysing how pre-crisis IT adoption in US banks reduced non-performing loans by 10% during the 2007–2010 financial crisis, highlighting technology’s role in enhancing financial stability and loan performance.

Study analyzing how FinTech platforms influence mortgage lending by banks, focusing on competition, diversification, and automation in Switzerland. Examines banks' online pricing strategies, regional risk factors, and the impact of market concentration on credit offers between 2008 and 2013.

EBA-related study analyzing machine learning models for credit default prediction, comparing their performance with traditional methods like Logistic Regression. Evaluates predictive power, calibration, and regulatory capital savings under the IRB approach, highlighting economic benefits and supervisory challenges of ML adoption in banking.

Analysis by the Federal Reserve on the 2017 NotPetya cyberattack, examining its global spread through supply chains, economic impact on affected firms, and the role of bank credit in mitigating disruptions to revenues, trade credit, and investment.

EBA 2020 Policy Workshop presentation analysing the impact of FinTech on mortgage lending geography, covering market concentration, risk management, and automation trends in European banking.

EBA research workshop discussion on FinTech's role in small business lending in France, analysing whether FinTech loans complement or substitute bank credit, with findings on firm leverage, investment, and bank credit access expansion.

EBA Policy Workshop discussion on Banco de Portugal and Oesterreichische Nationalbank’s blockchain experiment for securities lending, assessing DLT feasibility and implementation challenges in financial markets.

European Central Bank (ECB) workshop paper analysing machine learning model performance in credit default prediction, assessing regulatory capital relief potential (12.5%-17% of RWA) and supervisory challenges around transparency and evaluation under banking supervision frameworks.

EBA research presentation analysing machine learning models for credit default prediction, comparing performance and economic impact of models like XGBoost and Lasso using Spanish bank data under IRB approach.

EBA discussion on cyberattack propagation through supply chains, analyzing financial impacts on firms, customer losses, bank mitigation roles, and supply chain adjustments based on research by Crosignani, Macchiavelli, and Silva.

EBA 2020 Policy Research Workshop presentation analysing how cyberattacks propagate through firms' supply chains, examining economic impacts, risk transmission, and the role of banks in mitigating shocks from major cyber incidents.

EBA keynote speech exploring digital money trends, including CBDCs, private digital currencies, and their impact on monetary policy, seigniorage, and financial sovereignty in the digital age.

EBA 2020 workshop discussion on digital currencies in financial networks – examines regulatory treatment of CBDCs and stablecoins under SNA/ESA frameworks and their potential impact on sector balance sheets and financial structures.

EBA Annual Research Workshop 2020 presentation analysing digital currencies in financial networks, covering central bank digital currencies, stablecoins, regulatory implications, and the EU Commission’s Digital Finance Package.