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    About us

    The EBA is an independent EU Authority.  We play a key role in safeguarding the integrity and robustness of the EU banking sector to support financial stability in the EU.

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    Activities

    To contribute to the stability and effectiveness of the European financial system, the EBA develops harmonised rules for financial institutions, promotes convergence of supervisory practices, monitors, and advises on the impact of financial innovation and the transition to sustainable finance.

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      • Single Rulebook
      • Simplification and efficiency
      • Implementing Basel III in Europe
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        • Validation of pro forma-initial margin models
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  • Risk and data analysis
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    Risk and data analysis

    To ensure the orderly functioning and stability of the financial system in the European Union, we monitor and analyse risks and vulnerabilities relevant for the regulation of banks and investment firms. We also facilitate information sharing among authorities and institutions through supervisory reporting and data disclosure.

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      • European Data Access Portal (EDAP)
      • Risk analysis
        • EU-wide stress testing
        • EU wide transparency exercise
        • Risk monitoring
        • Thematic analysis
      • Remuneration and diversity analysis
      • Pillar 3 data hub
        • Access to P3DH
      • Reporting
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        • Integrated reporting
        • Joint Bank Reporting Committee (JBRC)
      • Data
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        • Secondary reporting: data from Competent Authorities to the EBA
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    Publications and media

    Communicating to all our audiences in the most effective way and using the most appropriate channels is crucial for us. Through our publications, announcements, and participation in external events, we are committed to reaching out to all our stakeholders to report about our policies, activities, and initiatives.

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Breadcrumb

  1. Home
  2. Back to Activities
    • Research Workshops
    • Single Rulebook
    • Implementing Basel III in Europe
    • Supervisory convergence
    • Information for consumers
    • Ad hoc activities
  3. Back to Single Rulebook
    • Accounting and auditing
    • Anti-Money Laundering and Countering the Financing of Terrorism
    • Asset-referenced and e-money tokens (MiCA)
    • Colleges of supervisors
    • Consumer protection
    • Credit risk
    • Depositor protection
    • Digital finance
    • External Credit Assessment Institutions (ECAI)
    • Financial conglomerates
    • Internal governance
    • Investment firms
    • Large exposures
    • Leverage ratio
    • Liquidity risk
    • Market access
    • Market infrastructures
    • Market, counterparty and CVA risk
    • Model validation
    • Operational resilience
    • Operational risk
    • Other topics
    • Own funds
    • Passporting and supervision of branches
    • Payment services and electronic money
    • Recovery
    • Remuneration
    • Resolution
    • Securitisation and Covered Bonds
    • Simplification and efficiency
    • Supervisory Review and Evaluation Process (SREP) and Pillar 2
    • Supervisory benchmarking exercises
    • Supervisory reporting
    • Sustainable finance
    • Third country equivalence and international cooperation
    • Transparency and Pillar 3
  4. Back to Credit risk
    • Discussion Paper on EU implementation of MKR and CCR revised standards
    • Discussion on the simplification and assessment of the credit risk framework
    • Guidelines on ADC exposures to residential property under CRR 3
    • Guidelines on legislative and non-legislative moratoria on loan repayments applied in the light of the COVID-19 crisis
    • Guidelines on loan origination and monitoring
    • Guidelines on management of non-performing and forborne exposures
    • Guidelines on proportionate retail diversification methods
    • 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
    • Implementing Technical Standards on NPL transaction data templates
    • Mechanistic references to credit ratings in the ESAs’ guidelines and recommendations
    • Regulatory Technical Standards concerning the assessment of appropriateness of risk weights and minimum LGD values
    • Regulatory Technical Standards in relation to credit valuation adjustment risk
    • Regulatory Technical Standards on assessment methodology for IRB approach
    • Regulatory Technical Standards on conditions for capital requirements for mortgage exposures
    • Regulatory Technical Standards on equivalent mechanism for unfinished property
    • Regulatory Technical Standards on materiality threshold of credit obligation past due
    • Regulatory Technical Standards on the allocation of off-balance sheet items and UCC considerations
    • Regulatory Technical Standards on the calculation of credit risk adjustments
    • Regulatory Technical Standards on the calculation of risk-weighted exposure amounts of collective investment undertakings (CIUs)
    • Regulatory Technical Standards 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)
    • 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
  5. Discussion on the simplification and assessment of the credit risk framework

Discussion on the simplification and assessment of the credit risk framework

  • Discussion
  • 9 FEBRUARY - 10 MAY 2026

Responses

The form is now closed.

Received responses to the EBA

  • 1. ezbob
  • 2. ProFinancial – Risk Laboratory
  • 3. Fitch Ratings
  • 4. IUA
  • 5. FBF
  • 6. European Banking Federation
  • 7. Rabobank
  • 8. Association française des sociétés financières
  • 9. Lloyd's Market Association
  • 10. European Savings and Retail Banking Group
  • 11. ABI ITALIAN BANKING ASSOCIATION
  • 12. German Banking Industry Committee
  • 13. Austrian Federal Economic Chamber - Division Bank and Insurance
  • 14. ASSILEA - ITALIAN LEASING ASSOCIATION
  • 15. International Trade and Forfaiting Association ("ITFA")
  • 16. International Credit Insurance and Surety Association
  • 17. EU Federation for the Factoring and Commercial Finance Industry - EUF
  • 18. AFME
  • 19. European Association of Co-operative Banks (EACB)
  • 20. Leaseurope
  • 21. European Association of Credit Rating Agencies ("EACRA")
  • 22. European Association of Public Banks

Documents

Discussion paper on simplification and assessment of the credit risk framework

(559.41 KB - PDF)

Download

Related content

News 9 February 2026

The EBA launches consultation on simplifying the credit risk framework

Consultation CLOSED

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