Other topics

The section presents the EBA's work related to a variety of financial and banking topics.

Technical Standards, Guidelines & Recommendations

  • RTS and ITS on the authorisation of credit institutions

    These standards aim at harmonising the information requirements in the authorisation process across the EU, thus facilitating the application process and ensuring a level playing field.

    Status: Final draft adopted by the EBA and submitted to the European Commission

  • ITS on the procedures and forms in respect of acquisitions and increases of qualifying holdings

    These draft Implementing Technical Standards (ITS) outline the procedures, forms and templates that competent authorities in the EU should use when consulting each other on acquisitions and increases of qualifying holdings in credit institutions. The objective of these ITS is to streamline information exchanges and ensure effective communications between concerned authorities, both on a cross-border basis and across sectors. These ITS also lay down in detail the process and timeframes for notifying an information request and for responding to it, and provide a set of relevant templates for this purpose. Requirements for the designation of contact points within competent authorities, as well as requirements for language and means of communication are also developed.

    Status: Adopted and published in the Official Journal

  • Joint Guidelines for the prudential assessment of acquisitions of qualifying holdings

    These proposed joint Guidelines define common procedures based on the assessment criteria laid down in the EU legislative framework that establishes how acquisitions and increases of qualifying holdings by natural or legal persons in financial institutions should be assessed. They also develop further the assessment process defined in the EU legislative framework and aim to harmonise supervisory practices in the financial sector across the EU to provide more clarity to proposed acquirers on how they should notify the competent supervisory authorities.

    Status: Final and translated into the EU official languages

  • Regulatory and Implementing Technical Standards on benchmarking portfolios

    Internal approaches used for the calculation of own funds requirements for market and credit risk are subject to an annual assessment by competent authorities. The EBA assists competent authorities in their assessment by providing a report including benchmarks which help to identify any material differences in RWA outcomes. The legal framework for the above is provided by Directive 2013/36/EU (CRD) and in particular Article 78 thereof as well as by the following technical standards provided by the EBA: a) Regulatory technical standards (RTS) laying down standards for competent authorities as regards the assessment of the internal approaches adopted by institutions and the procedures for sharing of those assessments between competent authorities; b) Implementing technical standards (ITS) specifying the benchmarking portfolios and reporting instructions for institutions to be applied in the annual benchmarking exercises.

    Status: Adopted and published in the Official Journal

  • Recommendation to the Bulgarian National Bank and the Bulgarian Deposit Insurance Fund

    In this Recommendation, the Bulgarian National Bank (BNB) is recommended to ensure that depositors of Corporate Commercial Bank AD (KTB) and Commercial Bank Victoria EAD (VCB) have access to deposits (protected under the Deposit Guarantee Schemes Directive) by 21 October 2014.

    Status: Final and translated into the EU official languages

  • Implementing Technical Standards (ITS) on the format, structure, contents list and annual publication date of the supervisory information to be disclosed by competent authorities

    The Implementing Technical Standards on supervisory disclosure specify the format, structure, contents list and annual publication date of the supervisory information to be disclosed by competent authorities in the banking sector. These ITS will be part of the Single Rulebook aimed at enhancing regulatory harmonisation in Europe.

    Status: Adopted and published in the Official Journal

  • Recommendations on supervisory oversight of activities related to banks’ participation in the Euribor panel

    These Recommendations addressed to national supervisory authorities aim at setting consistent supervisory practices for the oversight of the Euribor submission process. They focus on strengthening the panel banks’ internal governance arrangements, including a code of conduct. The aim of this Recommendation is to improve the identification and management of conflicts of interest and of internal control arrangements, including audits, record keeping and comparison with actual transactions.

    Status: Final and translated into the EU official languages

  • Guidelines regarding revised Article 3 of Directive 2006/48/EC

    These Guidelines provide clarity on the interpretation and guidance on the application of several aspects of Article 3 of Directive 2006/48/EC. Article 3 allows Member States to provide for special prudential regimes for all existing or future affiliated credit institutions which have been permanently affiliated to a central body and that meet the conditions defined in that Article.

    Status: Final and translated into the EU official languages

  • Revised Guidelines on Stress Testing

    These guidelines will assist institutions in understanding supervisory expectations of appropriate stress testing governance and infrastructure, and also cover the use of stress testing as a risk management tool. They provide high level guidance on how Stress Test could be conducted by institutions and assessed by supervisors, namely concerning desirable features relating to the scope, calibration, frequency, documentation or risks covered.

    Status: Final and translated into the EU official languages

  • Revised Guidelines on Supervisory Disclosure

    These revised Guidelines replace the Guidelines on supervisory disclosure published on 1 November 2005. They aim at setting up a framework to allow easy access to qualitative information on the laws and rules adopted at the national level and on the ways in which Member States have exercised the options and national discretions, as well as to statistical data on the implementation of the Capital Requirements Directive (CRD). The framework is intended to make supervisory practices more transparent, to promote a level playing field and to contribute to the consistent implementation of the EU legislation.

    Status: Final and translated into the EU official languages

  • Joint Guidelines for the assessment of mergers and acquisitions

    These Guidelines adopted by CEBS, CESR, and CEIOPS define cooperation arrangements in order to ensure an adequate and timely flow of information between supervisors. They also establish an exhaustive and harmonized list of information that proposed acquirers should include in their notifications to the competent supervisory authorities.

    Status: Final and translated into the EU official languages

  • Guidelines on Impact Assessment for EU Lamfalussy Level 3 Committees

    These Guidelines have been developed as a practical tool to ensure the effective use of impact assessment within the three Lamfalussy Level 3 Committees (CESR, CEBS and CEIOPS). The Guidelines presents practical steps to deliver effective impact assessments and are consistent with the European Commission's approach to better regulation and, specifically, with the EC's own Guidelines on impact assessment.

    Status: Final and translated into the EU official languages

  • Guidelines on Stress Testing

    These Guidelines provide high level guidance on how Stress Test could be conducted by institutions and assessed by supervisors, namely concerning desirable features relating to the scope, calibration, frequency, documentation or risks covered. As reviewing Pillar 1 risks is part of the supervisory review process, this paper reflects also interactions with relevant provisions regarding Pillar 1. The Guidelines provide additional technical guidance to complement the Guidelines on the Supervisory Review Process issued in January 2006 in the area of stress testing.

    Status: Repealed

  • Guidelines on Supervisory Disclosure

    CEBS guidelines for supervisory authorities on increased transparency and public disclosure will allow easy access to qualitative information on the laws and rules adopted at the national level and on the ways in which Member States have exercised the options and national discretions, as well as to statistical data on the implementation of the Directive. The CEBS guidelines are required by the Capital Requirements Directive - the EU legislation for a new capital adequacy framework for credit institutions and investment firms.

    Status: Repealed

Opinions, Reports and other Publications

 

Opinions

 

Other Publications

Reports

  • Report on OFIs [897.2KB]

    The European Banking Authority (EBA) published today an Opinion addressed to the European Parliament, Council and European Commission, on matters relating to the regulatory perimeter under the... Read more

    09/11/2017

  • EBA report on the range of practices regarding macroprudential policy measures [970.4KB]

    The European Banking Authority (EBA) published today a report on macroprudential policy measures across the EU. The objective of this report is to take stock of the range of practices applied by EU... Read more

    21/07/2015

  • 2014 11 27 - EBA Report - Credit institutions [963.0KB]

    The European Banking Authority (EBA) published today an Opinion addressed to the European Commission, relating to the perimeter of credit institutions and namely to the different approaches across... Read more

    27/11/2014