The EBA publishes its 2025 Report on supervisory convergence, supporting a simpler and more efficient EU prudential framework

​The European Banking Authority (EBA) today published its 2025 Report on supervisory convergence, as part of its broader efforts to contribute to a more efficient, streamlined and effective EU prudential framework. This work responds to the EBA’s initiatives to increase the efficiency of the regulatory and supervisory framework, including through greater transparency and a focus on supervisory convergence. The Report highlights continued progress in aligning supervisory practices across the European Union (EU), while identifying areas where further convergence is needed. It shows how strong and consistent supervision can support the simplification of the regulatory framework, reduce unnecessary complexity, and help secure a level playing field across the Single Market.

​The Report showcases the EBA’s work across all areas of its mandate: prudential supervision, resolution, consumer protection, digital finance and, until the end of 2025, anti-money laundering and countering the financing of terrorism (AML/CFT). It provides a comprehensive and transparent account of how convergence is being achieved in practice.

​Over the past year, the EBA has continued to promote a more consistent, risk-based and forward-looking supervisory approach across Member States. This has included strengthening common supervisory practices, enhancing risk assessment methodologies and supporting the implementation of major regulatory reforms.

​Key developments in 2025

• ​Prudential supervision: 
  The 2025 European Supervisory Examination Programme (ESEP) advanced work on resilience testing, digital operational resilience for the implementation of Basel III and the revised Capital Requirements Regulation (CRR3).

• ​Resolution and crisis management: 
  Authorities made further progress in bail-in readiness, liquidity planning, and improving valuation data capabilities, enhancing preparedness for potential crises.

• ​Digital finance: 
  The EBA supported the rollout of the Markets in Crypto-Assets Regulation (MiCA) and the Digital Operational Resilience Act (DORA), while strengthening supervisory capacity to address data quality issues, ICT dependencies and emerging technological risks.

• ​Consumer protection and AML/CFT: 
  Efforts included the development of a new EU-wide payment fraud database and initiatives to combat scams. Cooperation within AML/CFT colleges was also reinforced, improving cross-border coordination.

​Supervisory convergence was further supported through peer reviews, Q&As, breach of Union law investigations and extensive training programmes. In 2025, the EBA delivered 25 training courses to more than 2,900 participants, helping to build supervisory expertise and promote best practices across the EU. At the same time, its breach of Union law activities played a key role in safeguarding the integrity and consistent application of the EU Single Rulebook by engaging with competent authorities to ensure they took actions to comply with Union law.

​Looking ahead

​In 2026, the EBA will continue to deepen convergence efforts, with a particular focus on:

• ​Implementation of Basel III reforms

• ​Advancing resolution testing frameworks

• ​Strengthening oversight under DORA

• ​Enhancing supervision under MiCA.

​These priorities will further support financial stability and ensure a level playing field across the EU Single Market, while contributing to a more efficient supervisory system.

​Legal basis, background and next steps

​Today’s publication marks another important milestone under the EBA’s communication campaign “Simplifying to strengthen: building a more efficient EU prudential and supervisory framework”. This initiative is part of the EBA’s broader priority to simplify and enhance the efficiency of the regulatory and supervisory framework, in line with the work of its Task Force on Efficiency (TFE) and the EBA’s Report on the efficiency of the regulatory and supervisory framework, published on 1 October 2025. It delivers, in particular, on Recommendation 17 reflecting the Authority’s commitment to increased transparency in its convergence work. The EBA is increasingly focusing on supervisory convergence actions, complementing its role in developing the Single Rulebook.