EBA and ESMA open consultation on revised suitability assessment framework for banks and IF
The European Banking Authority (EBA) and the European Securities and Markets Authority (ESMA) have launched a consultation on revised joint guidelines for assessing the suitability of members of management bodies and key function holders. The updated guidelines are part of a broader effort to harmonise suitability assessments and promote consistent supervisory practices across the EU. […]
ESAs publish joint Guidelines on ESG stress testing
The European Supervisory Authorities (EBA, EIOPA and ESMA) published new guidelines today. They explain how national banking and insurance supervisors should include ESG risks in their stress tests, using both existing methods and additional ESG assessments. The Guidelines set common standards for incorporating ESG risks into stress testing across the EU financial system. They explain […]
ECB publishes consolidated banking data for end-September 2025
The European Central Bank (ECB) has just published its consolidated banking data for the end of September 2025, covering nearly 100% of the EU banking sector’s balance sheet. Here are the key takeaways from the report: Total Assets: Grew by 0.95% year-on-year, reaching €33.44 trillion. Asset Quality: The non-performing loans (NPL) ratio saw a marginal […]
EBA publishes Guidelines on proportionate retail diversification methods under the SA for credit risk
The European Banking Authority (EBA) today published its final Guidelines on proportionate retail diversification methods under the Capital Requirements Regulation (CRR). What are these guidelines about? Under the standardised approach for credit risk, banks can apply a preferential risk weight to retail exposures—but only if those exposures are considered sufficiently “diversified.” These newly drafted guidelines […]
EBA launches consultation on simplifying the credit risk framework
The European Banking Authority (EBA) has officially launched a public consultation on its latest Discussion Paper, aiming to streamline and simplify the EU’s credit risk framework. What is the goal? Following its 2025 Report on regulatory efficiency, the EBA is exploring concrete ways to enhance the usability, efficiency, and simplicity of credit risk rules. The […]
EBA launches consultation on amendments to Guidelines on the systemic risk buffer
The European Banking Authority (EBA) has launched a public consultation on draft amendments to its Guidelines regarding the application of the systemic risk buffer (SyRB). What’s new? Under the revised Capital Requirements Directive (CRD VI), the amendments are specifically designed to help authorities more effectively use the SyRB to tackle systemic risks stemming from climate […]
EBA publishes updated risk assessment indicators
The European Banking Authority (EBA) has released its updated list of risk assessment indicators and a revised methodological guide, aligning with the new EBA reporting framework version 4.1. What you need to know: No New Reporting Burdens: This update does not introduce any additional reporting requirements for institutions or competent authorities. Enhanced Clarity: It provides […]
EBA Pillar 3 data hub goes live
The European Banking Authority (EBA) has officially launched its Pillar 3 Data Hub, marking a major step forward for financial transparency in Europe. What is it? For the first time, prudential information from all European Economic Area (EEA) institutions is publicly accessible on a single, harmonized digital platform. Key Benefits: Enhanced Transparency: Boosts market discipline […]
Bulgaria adopts the euro
Welcome to the Eurozone, Bulgaria! As of January 1, 2026, Bulgaria has officially adopted the euro, becoming the 21st member of the euro area! According to the latest ECB Economic Bulletin, this historic milestone highlights the continued attractiveness of the single currency. Here is what this means for Bulgaria and the Eurozone: Deep Integration: After […]