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Risk Assessment Report December 2023
European Banking Authority December 2023 report analysing key risks and vulnerabilities in the EU banking sector, including credit, market, operational, and liquidity risks, with supervisory insights and trends.
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EBA issues revised list of ITS validation rules
The European Banking Authority (EBA) issued today a revised list of validation rules in its Implementing Technical Standards (ITS) on supervisory reporting, highlighting those, which have been deactivated either for incorrectness or for triggering IT problems. Competent Authorities throughout the EU are informed that data submitted in accordance with these ITS should not be formally validated against the set of deactivated rules.
Board of Supervisors meeting
Peer review on the supervision of creditors’ treatment of mortgage borrowers in arrears under MCD
EBA peer review report assessing how national authorities supervise creditors' treatment of mortgage borrowers in arrears under the Mortgage Credit Directive (MCD), evaluating compliance with Article 28 MCD and EBA Guidelines on arrears and foreclosure, supervisory approaches, and recommendations for improvement.
The EBA publishes peer review on supervision of creditors’ treatment of mortgage borrowers in arrears under the Mortgage Credit Directive
The European Banking Authority (EBA) today published a peer review on the supervision of creditors’ treatment of mortgage borrowers in arrears under the Mortgage Credit Directive (MCD), assessing the conduct supervisory approaches of competent authorities in this area. The review, which was developed in response to the current economic conditions and high interest rate environment, found that competent authorities’ supervision is overall effective and has been adapted to reflect the current interest rates environment and risks to mortgage borrowers. However, the review found differences in the level of scrutiny which competent authorities apply to MCD creditors, including the identification of risks borrowers are facing. The report sets out some follow-up measures, both for individual competent authorities, and for all competent authorities more generally, to ensure that supervisory measures to mitigate consumer detriment are taken before the detriment materialises. The report also sets out some best practices in this area that might be of benefit for other competent authorities to adopt.
Joint ESAs Report on innovation facilitators
Joint report by the European Supervisory Authorities (EBA, EIOPA, ESMA) updating the functioning of innovation facilitators – innovation hubs and regulatory sandboxes in the EEA, analysing trends, objectives, risks, and recommendations for NCAs, ESAs, and the European Commission.
ESAs recommend steps to improve activities of innovation facilitators across the European Economic Area
The three European Supervisory Authorities (EBA, EIOPA and ESMA – the ESAs) today published a Report on innovation facilitators, a term encompassing innovation hubs and regulatory sandboxes. The Report identifies a number of benefits and challenges relating to the operation and design of such innovation facilitators and presents recommendations and considerations towards national competent authorities (NCAs), the ESAs and the European Commission to further enhance the role and efficiency of innovation facilitators in the financial sector across the European Economic Area (EEA).
Joint Guidelines on the oversight cooperation and information exchange between the ESAs and the competent authorities
Joint Regulatory Technical Standards specifying elements related to threat led penetration tests
Joint Guidelines on estimation of aggregated annual costs and losses caused by major ICT-related incidents
Joint Technical Standards on major incident reporting
Introductory note
European Supervisory Authorities launch public consultation on DORA’s second batch of policy products, covering ICT-related incident reporting standards, timelines, templates, and guidelines on aggregated costs and losses from major ICT incidents, due by 17 July 2024.
Consultation paper on Joint draft RTS specifying elements related to threat led penetration tests
European Supervisory Authorities (ESAs) consult on draft Regulatory Technical Standards outlining requirements for threat-led penetration tests under DORA, covering methodology, scope, and reporting to strengthen financial sector cyber resilience by March 2024.
Consultation paper on Joint draft guidelines on the oversight cooperation and information exchange between the ESAs and the competent authorities
European Supervisory Authorities (ESAs) consult on draft joint guidelines for oversight cooperation and information exchange with competent authorities under Regulation (EU) 2022/2554, aiming to strengthen supervisory coordination and transparency by March 2024.
Consultation paper on Joint draft technical standards on major incident reporting
EBA consultation on draft technical standards under DORA for reporting major incidents and significant cyber threats, defining content, formats, timelines, and procedures for financial entities.
Consultation on Joint draft RTS on the harmonisation of conditions enabling the conduct of the oversight activities
EBA and ESAs consult on draft regulatory technical standards to harmonise conditions for oversight activities under Regulation (EU) 2022/2554, covering requirements for effective supervision and stakeholder feedback until March 2024.
Consultation paper on Joint draft Guidelines on estimation of aggregated annual costs and losses caused by major ICT-related incidents
EBA, EIOPA, and ESMA consult on joint guidelines under DORA for financial entities to estimate and report aggregated annual costs and losses from major ICT-related incidents, ensuring harmonisation, proportionality, and consistency with incident classification and reporting standards.
Consultation paper on Joint draft RTS on subcontracting ICT services supporting critical or important functions
European Supervisory Authorities consult on draft regulatory technical standards outlining requirements for financial entities assessing ICT subcontracting of critical or important functions under DORA (Regulation (EU) 2022/2554).