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The EBA assesses potential benefits and challenges of tokenised deposits
The European Banking Authority (EBA) today published a Report to facilitate awareness of tokenised deposits, as well as assess their potential benefits and challenges. The Report also aims to promote convergence in the classification of tokenised deposits in contrast with electronic money tokens (EMTs) issued by credit institutions under the Markets in Crypto-Assets Regulation (MiCAR).
Report on tokenised deposits
European Banking Authority (EBA) December 2024 report analysing tokenised deposits – examines market cases, benefits like programmability and AML compliance, challenges including regulatory definitions and operational risks, and applicable frameworks under MiCAR.
sDPN - Management of meetings - Formal Meetings - Public Meeting Manager.
European Banking Authority (EBA) data protection notice outlining the processing of personal data for organizing formal meetings, public registers, and transparency obligations under EUDPR and TFEU, including participant details, access rights, and retention periods.
2024 12 10 EBA response to Mr Berrigan re Interplay between MiCA and PSD2
EBA responds to European Commission on the interplay between MiCA and PSD2 regulations, assessing potential no-action letter options and aiming to publish findings by April 2025 in coordination with ESMA.
2024_11_30_pmr_francois-louis_michaud.pdf
EBA Executive Director François-Louis Michaud’s public meetings in November 2024 covering liquidity regulation, banking sector priorities for the new legislative cycle, and debates on EU financial regulation’s impact on competitiveness and supervision.
2024_11_15_pmr_francois-louis_michaud.pdf
EBA Executive Director François-Louis Michaud’s November 2024 meeting register – covers discussions on regulatory cooperation, geopolitical impacts on financial services, and ESG/climate risk integration in banking, including Pillar 3 disclosures.
ESAs Guidelines on templates for explanations and opinions, and the standardised test for the classification of crypto-assets
EBA, EIOPA, and ESMA final guidelines under MiCAR establish templates for crypto-asset white paper explanations and legal opinions, plus a standardised test for classifying crypto-assets, defining compliance requirements for issuers and service providers in the EU.
Letter to EBA and ESMA on the interplay between MiCA and PSD2
European Commission requests EBA and ESMA to assess issuing a 'no action letter' to clarify the interplay between MiCA and PSD2 for crypto-asset service providers handling e-money tokens, aiming to reduce regulatory burden and prevent arbitrage until PSD3/PSR implementation.
ESAs provide Guidelines to facilitate consistency in the regulatory classification of crypto-assets by industry and supervisors
The three European Supervisory Authorities (EBA, EIOPA and ESMA - the ESAs) today published joint Guidelines intended to facilitate consistency in the regulatory classification of crypto-assets under MiCAR. The Guidelines include a standardised test to promote a common approach to classification as well as templates market participants should use when communicating to supervisors the regulatory classification of a crypto-asset.
Board of Supervisors meeting
Consultation Paper on draft RTS on material model change
European Banking Authority consults on draft Regulatory Technical Standards amending Delegated Regulation (EU) 529/2014 to refine criteria for assessing materiality of changes to Internal Ratings Based (IRB) models under CRR, with stakeholder feedback due by March 2025.
session_2_paper_1_chritian_bittner.pdf
Study by Deutsche Bundesbank researchers analysing how hedge funds' bargaining power influences bank risk management in secured lending, particularly repo haircuts, and the systemic risks arising from competitive pressures and insufficient collateral requirements under EU regulatory frameworks.
session_2_presnetation_1_christian_bittner.pdf
Deutsche Bundesbank research presentation analysing risks of bank lending to hedge funds, assessing systemic importance, competition effects on risk management, and lessons from the 1998 LTCM crisis – presented at the EBA Research Workshop 2024.
The EBA consults on draft technical standards that specify material changes and extensions to the Internal Ratings Based approach
The European Banking Authority (EBA) today launched a public consultation on its draft Regulatory Technical Standards (RTS) clarifying and enhancing the conditions for assessing material model changes (MMC) and extensions following a review of the related Delegated Regulation. This review aimed to align the existing RTS with the amendments brought in by the Capital Requirements Regulation (CRR 3), and to introduce amendments to enhance the supervisory effectiveness of the approval process for model changes. The consultation runs until 10 March 2025.
Consultation on Regulatory Technical Standards that specify material changes and extensions to the Internal Ratings Based approach
The EBA publishes final standards on the specification of long and short positions under the derogations for market and counterparty risks
The European Banking Authority (EBA) today published its final draft Regulatory Technical Standards (RTS) on the method for identifying the main risk driver and determining whether a transaction represents a long or a short position. These RTS are part of the Phase 1 deliverables of the EBA roadmap on the implementation of the EU banking package in the area of market risk.
2024 IIF Colloquium - Keynote speech
EBA keynote speech at the 2024 IIF Colloquium on ESG challenges and opportunities for European banks – covering policy work on ESG risk management, climate stress-testing under the Fit-for-55 framework, and disclosure requirements for climate-sensitive exposures.
Final report RTS on long and short positions for the thresholds calculation in market and counterparty credit risk
EBA final report on Regulatory Technical Standards (RTS) under CRR3 specifying methods to identify main risk drivers and classify long or short positions for calculating thresholds in market and counterparty credit risk under Articles 94, 273a, and 325a of Regulation (EU) No 575/2013.
EBA BSG 2024 041 (Minutes - 15 October 2024)
EBA Banking Stakeholder Group (BSG) minutes from 15 October 2024 covering election of Chairperson and Vice-Chairpersons, updates on DORA implementation, EBA’s 2025 priorities, and key publications including reports on structured deposits, payment fraud, and consumer protection initiatives.