Reports

EBA and ECB 2024 report analysing payment fraud trends, including fraud levels, types, losses, and the impact of Strong Customer Authentication (SCA) across Europe in H1 2023.

European Banking Authority (EBA) report analysing structured deposits – covers definitions, market evolution, investor risks, disclosure requirements, and supervisory activities in the EU from January to September 2023, with proposed improvements for future reporting.

EBA report assessing the implementation of gender-neutral remuneration policies by banks and investment firms, analysing compliance challenges, supervisory reviews, pay gap monitoring, and measures to ensure equal pay under EU regulatory frameworks – July 2024.

EBA report analysing capital buffer stacking practices and management strategies in EU banks – examines regulatory compliance, risk coverage, and supervisory trends under CRD/CRR frameworks as of July 2024.

EBA survey gathering confidential data from banks on management buffers, including their definition, drivers, target levels, interaction with prudential and resolution thresholds (e.g., own funds, MREL), and integration into ICAAP and disclosure frameworks.

EBA report analysing the use of derogations under CRD Art 94(3) and 94(5) for remuneration payouts to identified staff in banks – assessing industry impact, administrative burden, risk alignment, and supervisory observations across EU Member States.

EBA, ESMA, and EIOPA report on a 2024 workshop exploring how national supervisory authorities can apply behavioural insights to enhance consumer protection, policy design, and supervisory effectiveness in financial markets, including lessons from OECD and NCAs.

European Banking Authority’s 2025 European Supervisory Examination Programme outlines key supervisory priorities, including economic uncertainties, digital challenges, and Basel III implementation under the EU banking package.

European Banking Authority (EBA) 2023 report assessing supervisory convergence in EU banking, covering SREP implementation, Pillar 2 and liquidity measures, risk assessments (macroeconomic, ESG, ML/TF), peer reviews, and policy tools to harmonize supervisory practices.

European Banking Authority's July 2024 Risk Assessment Report analyzes EU/EEA banks' risks, including commercial real estate exposures, non-bank financial intermediaries, asset quality, loan growth, and macroeconomic uncertainties under elevated geopolitical and interest rate conditions.

EBA report updating the monitoring of Additional Tier 1 (AT1), Tier 2, and TLAC/MREL eligible liabilities instruments in EU banks, analysing eligibility criteria, redemption incentives, ESG features, and legacy instrument implementation under CRR and BRRD frameworks.

European Banking Authority (EBA) final report on greenwashing – analyses trends, risks, and supervisory practices, assesses EU regulatory gaps, and recommends mitigation measures for financial institutions to combat misleading sustainability claims.

EBA report on virtual IBANs (vIBANs) analysing their characteristics, benefits, and key risks—including money laundering, regulatory arbitrage, and consumer protection gaps—based on a 2023/2024 fact-finding exercise, with recommendations for payment service providers and authorities.

European Banking Authority (EBA) report on high earners in EU/EEA banks and investment firms as of 2022 – analysing remuneration practices, payment brackets, identified staff ratios, and variable-to-fixed pay ratios under CRD and IFD frameworks.