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Regulation and policy
Single Rulebook
Implementing Basel III in Europe
Implementing FSB Key Attributes on resolution matters
Regulatory activities
Accounting and auditing
Accounting
Guidelines on Accounting for Expected Credit
Guidelines on communication between competent authorities and auditors
RTS on methods of prudential consolidation
Auditing
Anti-Money Laundering and Countering the Financing of Terrorism
Guidelines on risk based supervision
Guidelines on risk factors and simplified and enhanced customer due diligence
Guidelines to prevent transfers of funds can be abused for ML and TF
Information on administrative sanctions
JC Guidelines on cooperation and information exchange for AML/CFT supervision purposes
RTS on CCP to strengthen fight against financial crime
RTS on the implementation of group wide AML/CFT policies in third countries
Revised Guidelines on ML/TF risk factors
Colleges of supervisors
Guidelines for cooperation between consolidating supervisors and host supervisors
Guidelines for the joint assessment and joint decision regarding the capital adequacy of cross-border groups
Guidelines for the operational functioning of colleges
Implementing Technical Standards on joint decisions on institution-specific prudential requirements
Implementing technical standards on joint decisions on prudential requirements
Recommendation amending EBA/Rec/2015/01 on the equivalence of confidentiality regimes
Recommendation amending EBA/Rec/2015/01 on the equivalence of confidentiality regimes
Recommendation on the equivalence of confidentiality regimes
Regulatory and implementing technical standards on the functioning of colleges of supervisors
Consumer protection and financial innovation
Decision on specifying the benchmark rate under the Mortgage Credit Directive
Discussion Paper on automation in financial advice
Discussion Paper on innovative uses of consumer data by financial institutions
Discussion paper on draft requirements on passport notifications for credit intermediaries
Extension of the application of the Joint Committee Guidelines on complaints-handling to the new institutions under PSD2 and MCD
Guidelines for complaints-handling for the securities (ESMA) and banking (EBA) sectors
Guidelines for cross-selling practices
Guidelines on arrears and foreclosure
Guidelines on creditworthiness assessment
Guidelines on product oversight and governance arrangements for retail banking products
Guidelines on remuneration policies for sales staff
Guidelines on standardised fee terminology for payment accounts in the EU
Guidelines on the security of internet payments
Regulatory Technical Standards (RTS) on Professional Indemnity Insurance (PII) for mortgage credit intermediaries
Regulatory Technical Standards on the content and presentation of the KIDs for PRIIPs
Technical Advice on possible delegated acts on criteria and factors for intervention powers concerning structured deposits
Technical Standards on standardised terminology and disclosure documents under the PAD
Credit risk
Discussion Paper and Call for Evidence on SMEs and the SME Supporting Factor
Discussion Paper on the future of the IRB Approach
Draft Regulatory Technical Standards (RTS) on the method for the identification of the geographical location of the relevant credit exposures under Article 140(7) of the Capital Requirements Directive (CRD)
Draft Regulatory Technical Standards on the calculation of credit risk adjustments
Guidelines on loan origination and monitoring
Guidelines on management of non-performing and forborne exposures
Guidelines on specification of types of exposures to be associated with high risk
Guidelines on the application of the definition of default
Guidelines on the implementation, validation and assessment of Advanced Measurement (AMA) and Internal Ratings Based (IRB) Approaches
Mechanistic references to credit ratings in the ESAs’ guidelines and recommendations
RTS on conditions for capital requirements for mortgage exposures
Regulatory Technical Standards in relation to credit valuation adjustment risk
Regulatory Technical Standards on assessment methodology for IRB approach
Regulatory Technical Standards on materiality threshold of credit obligation past due
Regulatory Technical Standards on the treatment of equity exposures under the IRB Approach
Regulatory technical standards on disclosure of information related to the countercyclical capital buffer
Regulatory technical standards on specialised lending exposures
Regulatory technical standards on the permanent and temporary use of IRB approach
External Credit Assessment Institutions (ECAI)
Decision on the Use of Unsolicited Credit Assessments
Discussion paper on the use of Credit Ratings by Financial Intermediaries
Draft Implementing Technical Standards on the mapping of ECAIs credit assessments under the CRR
Guidelines on the recognition of External Credit Assessment Institutions
ITS on the mapping of ECAIs Credit Assessments for securitisation positions
Revised Guidelines on the recognition of External Credit Assessment Institutions
Financial conglomerates
Consultation on the Joint Committee response to the Call for Advice on the Fundamental Review of the Financial Conglomerates Directive (FICOD) received from the European Commission in April 2011
Draft Regulatory Technical Standards on the uniform conditions of application of the calculation methods for determining the amount of capital required at the level of the financial conglomerate
Guidelines on the convergence of supervisory practices relating to the consistency of supervisory coordination arrangements for financial conglomerates
Regulatory Technical Standards on risk concentration and intra-group transactions within financial conglomerates
Internal governance
Guidelines on ICT and security risk management
Guidelines on Internal Governance
Guidelines on internal governance (revised)
Guidelines on outsourcing
Guidelines on outsourcing arrangements
Guidelines on the assessment of the suitability of members of the management body and key function holders
Joint ESMA and EBA Guidelines on the assessment of the suitability of members of the management body
Recommendations on outsourcing to cloud service providers
Investment firms
New prudential regime for investment firms
Large exposures
Draft Regulatory Technical Standards on the determination of the overall exposure to a client or a group of connected clients in respect of transactions with underlying assets
Guidelines on Connected Clients
Guidelines on common reporting of large exposures
Guidelines on limits on exposures to shadow banking
Guidelines on the revised large exposures regime
Implementation Guidelines on large exposures exemptions for money transmission, correspondent banking, clearing and settlement and custody services
Leverage ratio
Draft Implementing Technical Standards (ITS) on disclosure for leverage ratio
Liquidity risk
Defining Liquid Assets in the Liquidity Coverage ratio
Guidelines on Retail Deposits subject to higher outflows for the purposes of liquidity reporting
Guidelines on harmonised definitions and templates for funding plans of credit institutions
Guidelines on liquidity cost benefit allocation
Guidelines on the LCR disclosure
Implementing Technical Standards (ITS) amending ITS on additional liquidity monitoring metrics
Implementing Technical Standards (ITS) on additional liquidity monitoring metrics
Implementing Technical Standards on currencies with an extremely narrow definition of central bank eligibility
Regulatory Technical Standards on additional liquidity outflows
Regulatory Technical Standards on criteria for a preferential treatment in cross-border intragroup financial support under LCR
Technical Standards (TS) on currencies with constraints on the availability of liquid assets
Market infrastructures
Draft regulatory technical standards on the margin periods for risk used for the treatment of clearing members' exposures to clients
Draft Implementing Technical Standards On the Hypothetical Capital of a Central Counterparty (CCPs)
Draft Regulatory Technical Standards (RTS) on risk mitigation techniques for OTC derivatives not cleared by a central counterparty (CCP)
Draft Regulatory Technical Standards on capital requirements for Central Counterparties (CCPs)
Regulatory Technical Standards on prudential requirements for central securities depositories (CSDs)
Market risk
Amending RTS on CVA proxy spread
Discussion Paper on EU implementation of MKR and CCR revised standards
Discussion paper on the treatment of structural FX under Article 352(2) of the CRR
Draft RTS on the treatment of non-trading book positions subject to foreign-exchange risk or commodity risk
Draft Regulatory Technical Standards (RTS) on non-delta risk of options in the standardised market risk approach
Draft technical standards on the IMA under the FRTB
Draft technical standards on the standardised approach for counterparty credit risk
Guidelines on Stressed Value-At-Risk (Stressed VaR)
Guidelines on corrections to modified duration for debt instruments
Guidelines on the Incremental Default and Migration Risk Charge (IRC)
Guidelines on the treatment of CVA risk under SREP
Guidelines on the treatment of structural FX under 352(2) of the CRR
Implementing Technical Standards (ITS) on appropriately diversified indices
Implementing Technical Standards (ITS) on closely correlated currencies
RTS on Internal Model Approach for Assessment Methodology
Regulatory Technical Standards (RTS) on prudent valuation
Regulatory Technical Standards (RTS) on the conditions for assessing the materiality of extensions and changes of internal approaches for credit, market and operational risk
Regulatory Technical Standards (RTS) on the definition of market
Regulatory Technical Standards (RTS) on the definition of materiality thresholds for specific risk in the trading book
Regulatory Technical Standards on exclusion from CVA of non-EU non-financial counterparties
Model validation
Guidelines on Credit Risk Mitigation for institutions applying the IRB approach with own estimates of LGDs
Guidelines on PD estimation, LGD estimation and treatment of defaulted assets
RTS and GL on estimation and identification of an economic downturn in IRB modelling
Regulatory Technical Standards on the conditions according to which competent authorities may grant permission for data waiver
Operational risk
Guidelines on AMA extensions and changes
Guidelines on operational risk mitigation techniques
Guidelines on the management of operational risk in market-related activities
Regulatory Technical Standards on assessment methodologies for the use of AMAs for operational risk
Own funds
Discussion Paper on the impact on the volatility of own funds of the revised IAS 19 and the deduction of defined pension assets from own funds
Guidelines for Hybrid Capital Instruments
Guidelines for the identification of global systemically important institutions (G-SIIs)
Guidelines on criteria to to assess other systemically important institutions (O-SIIs)
Guidelines on instruments referred to in Article 57(a) of the CRD
Guidelines on prudential filters for regulatory capital
Implementing Technical Standards (ITS) on Disclosure for Own Funds
Regulatory Technical Standards (RTS) on Own Funds
Regulatory Technical Standards (RTS) on own funds requirements for investment firms
Technical Advice to the Commission on possible treatments of unrealised gains measured at fair value
Technical standards for the identification of global systemically important institutions (G-SIIs)
Passporting and supervision of branches
Amended RTS and ITS on passport notification
Guidelines for Passport Notifications for credit institutions
Guidelines on passport notifications for credit intermediaries
Guidelines on supervision of significant branches
Regulatory Technical Standards on passporting under PSD2
Technical Standards on Passport Notifications for credit institutions
Technical Standards on information exchange between home and host competent authorities
Payment services and electronic money
EBA working group on APIs under PSD2
Guidelines on authorisation and registration under PSD2
Guidelines on fraud reporting under PSD2
Guidelines on major incidents reporting under PSD2
Guidelines on procedures for complaints of alleged infringements of the PSD2
Guidelines on security measures for operational and security risks under the PSD2
Guidelines on the conditions to be met to benefit from an exemption from contingency measures under Article 33(6) of Regulation (EU) 2018/389 (RTS on SCA & CSC)
Guidelines on the criteria on how to stipulate the minimum monetary amount of the professional indemnity insurance under PSD2
RTS on Home-Host cooperation under PSD2
RTS on central contact points under PSD2
Regulatory Technical Standards on payment card schemes and processing entities under the IFR
Regulatory Technical Standards on strong customer authentication and secure communication under PSD2
Technical Standards on the EBA Register under PSD2
Recovery, resolution and DGS
Additional information on DGS data
Deposit Guarantee Schemes data
Guidelines on Business Reorganisation Plans
Guidelines on cooperation agreements between deposit guarantee schemes
Guidelines on early intervention triggers
Guidelines on failing or likely to fail
Guidelines on how information should be provided under the BRRD
Guidelines on measures to reduce or remove impediments to resolvability
Guidelines on methods for calculating contributions to Deposit Guarantee Schemes (DGSs)
Guidelines on necessary services
Guidelines on payment commitments
Guidelines on recovery plans indicators
Guidelines on simplified obligations
Guidelines on stress tests of deposit guarantee schemes
Guidelines on the asset separation tool
Guidelines on the range of scenarios to be used in recovery plans
Guidelines on the rate of conversion of debt to equity in bail-in
Guidelines on the sale of business tool
Guidelines on the treatment of shareholders in bail-in
Guidelines on the types of tests, reviews or exercises that may lead to support measures
Guidelines on treatment of liabilities in bail-in
Guidelines specifying the various conditions for the provision of group financial support
ITS on MREL reporting by Resolution Authorities
Implementing Technical Standards (ITS) on the disclosure of group financial support agreements
Implementing Technical Standards on procedures, forms and templates for resolution planning
Implementing Technical Standards on simplified obligations
Notifications on resolution cases and use of DGS funds
Austria
Heta Asset Resolution AG resolution case
Belgium
Bulgaria
Croatia
Cyprus
Czech Republic
Denmark
Andelskassen J.A.K. Slagelse
Estonia
Finland
France
Germany
Greece
Cooperative Bank of Peloponnese Coop Ltd resolution case
Hungary
MKB Bank
Ireland
Italy
Banca d'Italia resolution cases
Latvia
Lithuania
Luxembourg
Malta
Netherlands
Poland
Portugal
Romania
Slovakia
Slovenia
Spain
Sweden
UK
RTS defining methodologies for the valuation of derivative liabilities
Recommendation on the development of recovery plans
Recommendations on the coverage of entities in a group recovery plan
Regulatory Technical Standards (RTS) on conditions for the provision of group financial support
Regulatory Technical Standards on Business Reorganisation Plans
Regulatory Technical Standards on Simplified Obligations
Regulatory Technical Standards on contractual recognition of bail-in
Regulatory Technical Standards on detailed records of financial contracts
Regulatory Technical Standards on independent valuers
Regulatory Technical Standards on minimum requirement for own funds and eligible liabilities (MREL)
Regulatory Technical Standards on notifications and notice of suspension
Regulatory Technical Standards on resolution colleges
Regulatory Technical Standards on resolution planning
Regulatory Technical Standards on the assessment of recovery plans
Regulatory Technical Standards on the content of recovery plans
Regulatory Technical Standards on valuation
Report on the appropriate target level basis for resolution financing arrangements under BRRD
Report on the implementation of the Guidelines on methods for calculating contributions to DGSs
Supervisory benchmarking exercises
ITS package for 2017 benchmarking exercise
ITS package for 2018 benchmarking exercise
ITS package for 2019 benchmarking exercise
ITS package for 2020 benchmarking exercise
RTS and ITS 2016 on benchmarking portfolio assessment standards and assessment sharing procedures
Remuneration
Guidelines on Remuneration Policies and Practices
Guidelines on sound remuneration policies
Guidelines on the applicable notional discount rate for variable remuneration
Guidelines on the data collection exercise regarding high earners
Guidelines on the remuneration benchmarking exercise
Regulatory Technical Standards (RTS) on classes of instruments that are appropriate to be used for the purposes of variable remuneration
Regulatory Technical Standards for the definition of material risk takers for remuneration purposes
Securitisation and Covered Bonds
CEBS Guidelines on the application of article 122a of the CRD
Discussion Paper On the Significant Risk Transfer in Securitisation
Discussion Paper on simple standard and transparent securitisations
Guidelines on implicit support for securitisation transactions
Guidelines on significant risk transfer (SRT) for securitisation transactions
Guidelines on the STS criteria for ABCP and non-ABCP securitisation
RTS on risk retention
RTS on the calculation of Kirb in accordance with the purchased receivables approach
RTS on the homogeneity of the underlying exposures in securitisation
Regulatory Technical Standards (RTS) on close correspondence between the value of an institution’s covered bonds and the value of the institution’s assets relating to the institution’s own credit risk
Regulatory Technical Standards (RTS) on securitisation retention rules and Draft Implementing Technical Standards (ITS) to clarify the measures to be taken in the case of non-compliance with such obligations
Supervisory reporting
Data Point Model (DPM)
Data Point Model and Taxonomies for Implementing Technical Standard (ITS) on Supervisory Reporting
Guidelines for the implementation of the framework for consolidated financial reporting (FINREP) (2005)
Guidelines for the implementation of the framework for consolidated financial reporting (FINREP) – Recast (2006)
Guidelines for the implementation of the framework for consolidated financial reporting (FINREP) – Revision 1 (2007)
Guidelines for the implementation of the framework for consolidated financial reporting (FINREP) – Revision 2 (2009)
Guidelines on Common Reporting (2006)
Guidelines on Common Reporting – Recast (2006)
Guidelines on Common Reporting – Revision 1 (2010)
Guidelines on Common Reporting – Revision 2 (2011)
ITS on Supervisory Reporting amendments with regards to COREP LCR
ITS on Supervisory Reporting amendments with regards to COREP securitisation
ITS on Supervisory Reporting amendments with regards to FINREP
Implementing Technical Standard (ITS) on Supervisory Reporting (Asset Encumbrance)
Implementing Technical Standard (ITS) on Supervisory Reporting (Forbearance and non-performing exposures)
Implementing Technical Standards Amending Commission Implementing Regulation (EU) No 680/2014 on Supervisory Reporting of institutions - March 2015
Implementing Technical Standards Amending Commission Implementing Regulation (EU) No 680/2014 on Supervisory Reporting of institutions - March 2016
Implementing Technical Standards Amending Commission Implementing Regulation (EU) No 680/2014 on Supervisory Reporting of institutions
Implementing Technical Standards Amending Regulation (EU) No 680/2014 on Supervisory Reporting of institutions with regard to prudent valuation
Implementing Technical Standards amending Commission Implementing Regulation (EU) No 680/2014 (ITS on supervisory reporting) with regard to the Leverage Ratio (LR)
Implementing Technical Standards amending Commission Implementing Regulation (EU) No 680/2014 with regard to the Liquidity Coverage Ratio
Implementing Technical Standards amending Implementing Regulation (EU) No 680/2014 with regard to operational risk and sovereign exposures
Implementing Technical Standards on Supervisory Reporting
Implementing Technical Standards on amendments to FINREP due to IFRS 9
Recommendation on the use of Legal Entity Identifier (LEI)
Updated Guidelines on harmonised definitions and templates for funding plans of credit institutions
Supervisory Review and Evaluation Process (SREP) and Pillar 2
Guidelines for common procedures and methodologies for the supervisory review and evaluation process (SREP) and supervisory stress testing
Guidelines on ICAAP and ILAAP information
Guidelines on ICT Risk Assessment under the SREP
Guidelines on Stress Testing
Guidelines on Technical aspects of the management of interest rate risk arising from non-trading activities under the supervisory review process
Guidelines on capital measures for foreign currency lending
Guidelines on stress testing
Guidelines on the Application of the Supervisory Review Process under Pillar 2
Guidelines on the management of concentration risk under the supervisory review process
Revised Guidelines on Stress Testing
Third country equivalence and international cooperation
First update to recommendation on equivalence of non-EU authorities for participation in supervisory colleges
Fourth update to recommendation on equivalence of non-EU authorities for participation in supervisory colleges
Second update to recommendation on equivalence of non-EU authorities for participation in supervisory colleges
Third update to recommendation on equivalence of non-EU authorities for participation in supervisory colleges
Transparency and Pillar 3
Guidelines on disclosure of encumbered and unencumbered assets
Guidelines on disclosure of non-performing and forborne exposures
Guidelines on disclosure requirements on IFRS 9 transitional arrangements
Guidelines on disclosure requirements under Part Eight of Regulation (EU)
Guidelines on materiality, proprietary and confidentiality and on disclosure frequency
RTS on the disclosure of encumbered and unencumbered assets
Other topics
Approach to financial technology (Fintech)
Guidelines on Impact Assessment for EU Lamfalussy Level 3 Committees
Guidelines on Supervisory Disclosure
Guidelines on the appropriate subsets of exposures in the application of the systemic risk buffer
Guidelines regarding revised Article 3 of Directive 2006/48/EC
ITS on the procedures and forms in respect of acquisitions and increases of qualifying holdings
Implementing Technical Standards (ITS) on the format, structure, contents list and annual publication date of the supervisory information to be disclosed by competent authorities
Joint Guidelines for the assessment of mergers and acquisitions
Joint Guidelines for the prudential assessment of acquisitions of qualifying holdings
Principles for Benchmarks-Setting Processes in the EU
RTS and ITS on the authorisation of credit institutions
Recommendation to the Bulgarian National Bank and the Bulgarian Deposit Insurance Fund
Recommendations on supervisory oversight of activities related to banks’ participation in the Euribor panel
Revised Guidelines on Supervisory Disclosure
Supervisory convergence
Review panel
Supervisory disclosure
Rules and guidance
Options and national discretions
Supervisory review
Aggregate statistical data
Competent Authorities
Publication of administrative penalties
Supervisory colleges
Archive
Training and staff exchange
Risk analysis and data
EU-wide stress testing
Archive
2009
2010
2011
2014
2016
2017
2018
EU-wide transparency exercise
Archive
2013
2015
2016
2017
2018
EU Capital exercise
Final results of the EU Capital Exercise
Global Systemically Important Institutions (G-SIIs)
Other Systemically Important Institutions (O-SIIs)
DPM data dictionary
Risk Dashboard
Reporting frameworks
Reporting framework 3.0
Reporting framework 2.10
Reporting framework 2.9
Reporting framework 2.8
Reporting framework 2.7
Reporting framework 2.6
Reporting framework 2.5
Reporting framework 2.4
Reporting framework 2.3
Reporting framework 2.2
Reporting framework 2.1
Reporting framework 2.0
Risk Assessment Reports
Archive
Review on the consistency of Risk Weighted Assets
Archive
Remuneration data
Quantitative impact study/Basel III monitoring
Archived reports
Finalised Basel III standards (Dec 2017) – Call for Advice
Credit institutions register
Guides on data
NPLs
Register of payment and electronic money institutions under PSD2
National registers of admitted credit intermediaries under the MCD
Supervisory benchmarking frameworks
Consumer corner
National competent authorities for consumer protection
How to complain
Personal finance at the EU level
Warnings
Product intervention powers under MiFIR
Financial education
News & press
News & press
Press Newsletter
Speeches
Multimedia gallery
National press contacts
EBA Home
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Competent Authorities
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Competent Authorities
Below are listed the competent authorities' websites pages dedicated to Supervisory Disclosure.
Country
Competent authority
Austria
Financial Market Authority
Belgium
National Bank of Belgium
Bulgaria
Bulgarian National Bank
Croatia
Croatian National Bank for credit institutions
and
Croatian Financial Services Supervisory Agency for investment firms
Cyprus
Central Bank of Cyprus
Czech Republic
Czech National Bank
Denmark
Finanstilsynet
ECB (SSM)
European Central Bank (SSM)
Estonia
Financial Supervision Authority
Finland
Finanssivalvonta (Fin-FSA)
France
Autorité de contrôle prudentiel et de Resolution
Germany
BaFin
and
Bundesbank
Greece
Bank of Greece
Hungary
Central Bank of Hungary
Iceland
Financial Supervisory Authority
Ireland
Central Bank of Ireland
Italy
Banca d'Italia
Latvia
Financial and Capital Market Commission
Liechtenstein
Financial Services Authority
Lithuania
Bank of Lithuania
Luxembourg
Commission de Surveillance du Secteur Financier
Malta
Malta Financial Services Authority
Netherlands
De Nederlandsche Bank
Poland
Polish Financial Supervision Authority
Portugal
Banco de Portugal
Romania
National Bank of Romania
Slovakia
National Bank of Slovakia
Slovenia
Bank of Slovenia
Spain
Banco de España
Sweden
Finansinspektionen
UK
Prudential Regulation Authority
and
Financial Conduct Authority
