Reports

European Banking Authority (EBA) report reviewing the standardised terminology for payment account services under the Payment Accounts Directive (PAD). Assesses EU legislation, national authorities' and stakeholders' views, and concludes the current Regulatory Technical Standards (RTS) remain fit-for-purpose, with potential future updates for instant credit transfers.

EBA’s fourth report on EU liquidity coverage ratio (LCR) and net stable funding ratio (NSFR) monitoring – analyses trends, policy recommendations, and guidance on reverse repos, operational deposits, retail outflows, and interdependent assets under CRR, with observations from 2025 data.

European Supervisory Authorities (EBA, EIOPA, ESMA) 2024 annual report – reviews cross-sectoral priorities including sustainable finance, digital resilience, consumer protection, securitisation, and the European Single Access Point (ESAP).

European Banking Authority (EBA) 2023 report benchmarking EU remuneration trends, practices, and gender pay gaps in banks and investment firms, analyzing variable pay, deferral rules, and disparities across staff levels.

European Banking Authority (EBA) peer review report assessing the performance of stress tests by Deposit Guarantee Schemes (DGS) under the Deposit Guarantee Schemes Directive (DGSD), covering methodology, findings, and recommendations for EU competent authorities.

EBA report presenting results of the 2024 Market Risk Benchmarking Exercise under the Internal Models Approach (IMA), analysing VaR, sVaR, IRC, and APR metrics, supervisory assessments, and drivers of variation across participating banks.

EBA report presenting 2024 market risk benchmarking results under FRTB ASA, assessing sensitivities, data completeness, and supervisory issues across equity, IR, FX, commodities, and credit spread portfolios for EU banks.

EBA 2024 report analysing variability in own funds requirements under the IRB approach, assessing credit risk parameters, PD and LGD comparability, and implementation of the IRB Roadmap across EU banks.

EBA report analysing EU/EEA banks' funding structures and foreign currency dependence as of December 2023, covering net stable funding ratios (NSFR), funding by currency and maturity, and asset-liability exposures under COREP reporting.

EBA, ESMA, and EIOPA Joint Committee report assessing the implementation and functioning of the EU Securitisation Regulation, covering market trends, due diligence, STS framework, risk retention, transparency, and supervisory options.

European Banking Authority (EBA) 2024/25 Consumer Trends Report analyses retail banking products, payment fraud, indebtedness, and de-risking, assessing measures by EBA and national authorities to address key consumer protection issues in the EU.

European Banking Authority (EBA) report assessing data availability and feasibility of a common methodology for measuring ESG exposures across non-financial corporates, SMEs, and households, including environmental, social, and governance risks and supervisory stress testing.

European Banking Authority report on the first phase of implementing the IRRBB heatmap, covering observations and recommendations on non-maturity deposits, net interest income metrics, commercial margin modelling, and hedging strategies under the Capital Requirements Directive.

EBA peer review assessing how competent authorities integrate tax integrity into supervision to combat dividend arbitrage schemes, covering risk-based oversight, AML/CFT risk assessments, internal governance, and integrity evaluations of management bodies.

EBA and joint committee assess the feasibility of centralising major ICT incident reporting under DORA (Regulation (EU) 2022/2554), analysing current frameworks, stakeholder input, and potential options for streamlined EU-level reporting.