Speech by Basel Committee Secretary General Carolyn Rogers at the 2020 EBA Policy Research Workshop – explores the role of research in shaping Basel frameworks, lessons from past regulatory approaches, and key areas for academic input in evaluating post-crisis reforms and emerging risks.
EBA Policy Research Workshop discussion on how fintech platforms impact mortgage lending geography, bank competition, pricing, and automation, analysing bank responses to online borrower matching and local market concentration effects.
EBA 2020 workshop presentation by ACPR’s Laurent Clerc analysing neobanks’ profitability challenges, growth trends, and disruptive potential in the French banking sector under PSD1/PSD2 frameworks.
ESRB and academic study analysing how portfolio compression reduces notional amounts and network risks in over-the-counter derivatives markets, using credit-default-swap data to assess post-crisis regulatory impacts and central clearing mandates.
Piers Haben, Director of the Banking, Markets, Innovation and Consumers department at the EBA, spoke about a multi-layered approach to regulation at the event "What to regulate? How to regulate? Who should regulate?" organised by the European Association for Banking and Financial Law. In his speech, Piers Haben highlighted the EBA's approach towards innovative applications of technology in the financial sector in accordance with the principle of technological neutrality.
The European Banking Authority (EBA) published today a first assessment of the use of COVID-19 moratoria and public guarantees across the EU banking sector. COVID-19 related moratoria on loan repayments provided breathing space to borrowers across many countries with many banks reporting that loans under moratoria represented a significant share of their total loans. The use of moratoria was particularly widespread for SMEs and commercial real estate but were also important for mortgage loans in some countries. While public guarantees were used to a lesser extent, they allowed banks to provide new lending to many companies impacted by the crisis. The EBA will be closely monitoring the evolution of moratoria and public guarantee schemes (PGSs) in the following quarters.
Report on the unwind mechanism of the LCR
The European Banking Authority (EBA) published today a Report on the effects of the unwind mechanism of the liquidity coverage ratio (LCR) over a three-year period, from the end of 2016 to the first quarter of 2020. Overall, the empirical evidence does not support the hypothesis that the unwind mechanism has a detrimental impact on the business and risk profile of credit institutions.
The European Banking Authority (EBA) published today its Report on the benchmarking of national loan enforcement frameworks across EU Member States, in response to the EU Commission’s call for advice. The Report introduces for the first time a set of benchmarks for bank loan recovery and identifies areas where the divergence in the national insolvency regimes is wider. In addition, the Report provides an overview of the characteristics of insolvency regimes that help explain the differences across the EU.
EBA's response to the Call for Advice
Report on the benchmarking of national loan enforcement frameworks
Highlights of the event
EBA privacy notice for the subscription to newsletter and email alert services
Methodological note (PDF)
Template guidance (PDF)
Templates (Excel)
The European Banking Authority (EBA) published today the final methodology, draft templates and template guidance for the 2021 EU-wide stress test along with the key milestones of the exercise. The methodology and templates include some targeted changes compared to the postponed 2020 exercise, such as the recognition of FX effects for certain P&L items, and the treatment of moratoria and public guarantees in relation to the current Covid-19 crisis. The stress test exercise will be launched in January 2021 with the publication of the macroeconomic scenarios and the results published by 31 July 2021.