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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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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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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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Speeches
The deposit insurer of the (near) future

The deposit insurer of the (near) future

EBA Management speech
29 OCTOBER 2026

Documents

Keynote speech

(287.42 KB - PDF)

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François-Louis Michaud

EBA Chair

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EUROPEAN BANKING AUTHORITY

Our mission is to contribute to the stability and effectiveness of the European financial system through simple, consistent, transparent, fair regulation and supervision that benefits all EU citizens.

An agency of the EU