The European Banking Authority
@eba
We are the EU agency that works to safeguard the integrity, efficiency & orderly functioning of the EU #banking sector.
📊The latest EBA ESG Risk Dashboard shows EU/EEA banks' climate risk exposure remained broadly stable in H2 2025, while climate data quality continued to improve Progress in mortgage energy-efficiency assessments is helping strengthen climate risk management across the sector 👉 link.europa.eu/HmYtqQ
📢 EBA consults on a proportionate reporting framework for ISDA SIMM under EMIR The proposal supports the validation and monitoring of initial margin models while minimising compliance costs. 📅 Consultation closes: 2 November 2026 ➡️ link.europa.eu/V9KWVN
🚨 The EBA has published a no-action letter and technical clarifications to support the revised EU market risk framework Goal: more consistent approach to the banking book/trading book boundary, internal risk transfers and reporting requirements ahead of 2027 👉 Read more: link.europa.eu/Jdvf3y
📢The ESAs published draft RTS proposing a simpler and more proportionate bilateral margin framework under EMIR The proposal would allow firms below the €8bn Initial Margin threshold to discontinue exchanging initial margin on both new and existing uncleared OTC derivatives 🔗 link.europa.eu/rJRwrB
🚨💻 Frontier AI brings opportunity, but also new operational and cyber risks. EBA, EIOPA and ESMA are urging financial institutions to strengthen governance, risk management and resilience as AI adoption accelerates. 🔍 link.europa.eu/hcVy8t
🥁 New consultation from the EBA-ECB-EIOPA Data Point Model Alliance. The proposed DPM 2.1 enhancements would help make EU statistical and supervisory reporting more integrated and efficient, including through improved metadata versioning and common naming conventions. 🔗 link.europa.eu/CgDDVW
📊 The EBA has published final technical standards on material acquisitions, transfers, mergers and divisions under the CRD. The measures aim to reduce regulatory uncertainty, simplify processes and strengthen supervisory cooperation across the EU banking sector. link.europa.eu/6rbXdY
🚨The EBA has opened a consultation on amendments to the ITS for the 2027 Market Risk Benchmarking Exercise. The changes will impact market risk reporting, benchmarking participation, and FRTB readiness across the banking sector. 📅 Comments due by 3 September 2026. 👉 link.europa.eu/3fcyR6
🚀Ready to launch your career in tech? We are recruiting trainees for our Information & Technology Unit. Gain hands-on experience in data engineering, software development and digital innovation while working in a multicultural European environment. ⏰Apply by 29 July 2026 🔗 link.europa.eu/BgH86K
🚨Mid-week regulatory update: the EBA has published its final Guidelines on the authorisation of third-country branches under #CRD6 A key step in shaping how non-EU banks access the EU market with clearer expectations on applications, assessments and authorisation processes. 🔗 link.europa.eu/YpVTtg
📢 New from the EBA: 2025 loss and exposure data for EU/EEA residential and commercial property markets is now available. More transparency, more consistency, and an important resource for CRR real estate treatments. 🔗 link.europa.eu/dRnGQ8 #EBA #CRR #CreditRisk #Banking #RealEstateFinance
📢 Strong Pillar 3 supervision is driving greater transparency across Europe's banking sector The EBA's latest peer review finds high levels of implementation across competent authorities, with four recognised for leading practices. Read more: link.europa.eu/vyqJp3
🔔 Simplifying sustainability reporting: the EBA is seeking feedback on proposed changes to EU Taxonomy disclosures. The consultation aims to reduce reporting complexity for banks and investment firms through streamlined KPIs. 📅 Deadline: 12 Aug 2026 🔗 link.europa.eu/N7ryfm
🌱 The EBA has updated its Product Oversight & Governance Guidelines Key changes include stronger ESG integration, clearer target market requirements, and enhanced safeguards for consumers. 📅 Applies from 11 January 2027 🔗 link.europa.eu/BVQg6H
🔒 EU Deposit Guarantee Scheme funds now stand at €85bn, helping support financial stability across the EU. With covered deposits reaching €9.1tn and most schemes meeting their funding targets, Europe's depositor protection framework is more resilient than ever. More details: link.europa.eu/yyJpTc
🚀 Cutting complexity, strengthening supervision The EBA’s latest report sets a clear direction: 👉 more convergence = less complexity + stronger supervision From Basel III to MiCA & DORA, progress is building towards a more consistent EU framework. 🔗 link.europa.eu/dQV86W
📢The EBA has set out how it will implement #DGSD3, with 12 regulatory products to be delivered by 2028. ✅Clearer information for depositors ✅Faster payouts in bank failures ✅Stronger cooperation between schemes & authorities ✅Better crisis preparedness through stress testing 🔗 link.europa.eu/DvXPx8
🚨 MiCA enforcement is becoming real. The EBA is consulting on how it will set fines for significant crypto issuers — a big step from rules to actual supervision. Expect more consistency, proportionality & transparency in penalties. 📅 16 Jul | 28 Sep 👉 link.europa.eu/6qXTPt
🚨 Another major milestone in simplifying EU banking supervision The EBA has released its revised SREP Guidelines — a big step toward a simpler, more efficient supervisory framework. • 30% leaner framework • stronger focus on ESG, ICT & DORA 📅 Starts Jan 2027 link.europa.eu/qG9dm9
📊 New EBA MREL snapshot: EU banks are better prepared — but not done yet ✔️ Buffers at ~25–29% of RWAs ✔️ Bail-in remains the main resolution tool ✔️ €231bn in instruments to refinance within 12 months Strong resilience overall — with refinancing needs now in focus 🔗 link.europa.eu/9qVKyg
🚀 The EBA updates Pillar 3 disclosures under #CRR3 🌱 Better aligned with ESRS 🏦 More proportionate across institutions 📊 Fewer datapoints (up to ↓84%) ➕ Pre-filled ESG data for small banks ✅ A clear step towards simpler, more effective ESG reporting 🔗 link.europa.eu/c6jgRt
🚀 Want to help shape the future of payments in the EU? Join the EBA as a Senior Expert – Payment Services This role offers real influence on regulation and market developments. 📅 Deadline: 22 July 2026 👉 link.europa.eu/WWdHGp #EBA #EUJobs #Payments #FinanceCareers
📢 EBA releases Spring 2026 risk reports: EU/EEA banks stay resilient. Watch: geopolitics, cyber/AI risks, and NBFI exposure. 💡 Strong fundamentals, but vigilance matters. link.europa.eu/mGtWq6 #FinancialStability #Banking
📊 EBA 2025: clear progress in EU banks’ risk models ✔️ More consistency ✔️ Better data ✔️ Lower variability Market risk remains stable, with ASA gaining ground ahead of FRTB. Credit risk shows steady improvement, with declining PD variability. 🔗 link.europa.eu/c9PnBC
🚨 EU banking is evolving fast The EBA’s 2025 Report signals a shift to digital, data-driven supervision (DORA, MiCA 👀) ✅ Simpler rules ✅ Resilient banks ✅ ESG & data rising ✅ Crypto + ICT oversight More details here: link.europa.eu/CcHXmr
📢 Simplifying without weakening. The EBA proposes targeted changes to make the EU bank capital framework more efficient — by clarifying how microprudential, macroprudential and resolution rules interact. ✔️ Less complexity ✔️ Same resilience & resolvability Read more: link.europa.eu/Q7jjgb
🚀The European Banking Authority has now launched an early consultation on the 2027 EU-wide stress test Key changes include: 📉A 55% reduction in data requirements 🔄Better alignment with supervisory reporting 🌱Integration of climate risks 🏦63 banks will participate 👉Read more: link.europa.eu/DGy7Vj