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The ESAs provide clarity and tips to consumers on sustainable finance

The three European Supervisory Authorities (EBA, EIOPA and ESMA – ESAs) today published an interactive factsheet that answers consumers’ most frequently asked questions about sustainable finance. The factsheet provides tips to consumers considering buying financial products with sustainability features, including loans, investments, insurances and pensions.

The...

30/11/2023

The EBA recommends enhancements to the Pillar 1 framework to capture environmental and social risks

The European Banking Authority (EBA) today published a Report on the role of environmental and social risks in the prudential framework of credit institutions and investment firms. Taking a risk-based approach, the Report assesses how the current prudential framework captures environmental and social risks. It recommends targeted enhancements to accelerate the integration of...

12/10/2023

EU/EEA banks: benefits from rising interest rates are stabilising, the EBA says

The European Banking Authority (EBA) today published its Q2 2023 quarterly Risk Dashboard (RDB). Banks’ profitability and capital ratios increased further, while macroeconomic uncertainty weighed on loan growth.

Macroeconomic and geopolitical uncertainty remains high. The European Commission revised its economic outlook downward in the summer. The less...

10/10/2023

EBA publishes its work programme for 2024

The European Banking Authority (EBA) published today its annual work programme for 2024, setting out the key strategic areas for the Authority to work on in the coming year, as well as related activities and tasks.

In 2024, the EBA will need to address a large number of mandates in a wide range of areas, building on the priorities defined in its programming document...

03/10/2023

Hot of the press: two news issues of the EBA staff papers

The European Banking Authority published two new EGA staff papers focusing on (i) procyclicality around market risk and prudent valuation rules, and (ii) a case study on the calibration of the IRB supervisory formula. The EBA staff paper series aims to stimulate discussion and public debate on selected financial regulation, supervisory policy and legal issues.

28/09/2023

The EBA second mandatory exercise on Basel III full implementation shows a significantly reduced impact on EU banks with shortfalls nearly fully absorbed

The European Banking Authority (EBA) today published its second mandatory Basel III Monitoring Report which assesses the impact that Basel III full implementation will have on EU banks in 2028. According to this assessment -- which uses a sample of 157 banks for the point-in-time analysis -- in terms of minimum Tier 1 capital the impact has significantly decreased in relation to the...

26/09/2023

EBA publishes the results of its 2023 EU-wide stress test

The results of the 2023 EU-wide stress test show that European banks remain resilient under an adverse scenario which combines a severe EU and global recession, increasing interest rates and higher credit spreads.
This resilience of EU banks partly reflects a solid capital position at the start of the exercise, with an average fully-loaded CET1 ratio of 15% which...

28/07/2023