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Securitisation and Covered Bonds

In line with the mandates laid down in the Capital Requirements Directive (CRDIV) and Capital Requirements Regulation (CRR), and the calls for advice from the European Commission, the EBA has developed a number of draft Technical Standards, Opinions, Guidelines and Reports covering the areas of securitisation and covered bonds.In particular, the EBA has developed Technical Standards on securitisation retention rules, due diligence and disclosure requirements, as well as an Opinion and a […]
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Remuneration

Institutions' remuneration policies for staff members whose professional activities have material impact on the institutions' risk profile shall ensure that remuneration is consistent with sound and effective risk management and provides an incentive for prudent and sustainable risk taking. The requirements set out in the Capital Requirements Directive (CRD) are complemented by more detailed Guidelines on Remuneration Policies. The EBA is also mandated by the CRD to submit draft regulatory […]
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Recovery, resolution and DGS

Under the Bank Recovery and Resolution Directive (BRRD) on crisis prevention, management and resolution, the EBA is mandated to develop a wide range of Technical Standards, Guidelines and Reports with the aim of ensuring effective and consistent procedures across the Union, in particular with respect to cross-border financial institutions. The ultimate objective of the BRRD framework is to enhance financial stability, reduce moral hazard, protect depositors and critical financial services, […]
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Payment services and electronic money

The EBA contributes to making retail payments in the EU secure, convenient, innovative and competitive. To that end, the EBA develops requirements aimed at reducing payment fraud and brings about a level playing field in the EU for the authorization and supervision of payment services providers. The EBA also promotes competition and facilitates innovation in the retail payments market.  linksEBA's Consumer cornerConsumer protection and financial innovationAnti-money launderingEBA working […]
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Passporting and supervision of branches

In accordance with the principle of single authorisation, the decision to issue an authorisation valid for the entire EU shall be the sole responsibility of the competent authorities of the home Member State. A financial institution may then provide the services, or perform the activities, for which it has been authorised, throughout the Single Market, either through the establishment of a branch or the free provision of services.This section covers the EBA's requirements for passport […]
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Own funds

To be able to absorb losses in a going or in a gone concern situation, institutions need own funds in sufficient quantity and quality in accordance with applicable European legislation. The Capital Requirements Regulation (CRR) sets out the characteristics and conditions for own funds and specifies a series of mandates for the EBA. These include the development of Regulatory Technical Standards to further specify the quality criteria applying to institutions' regulatory own funds, as well the […]
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Other topics

The section presents the EBA's work related to a variety of financial and banking topics. links FSB: publications on shadow banking European Commission: shadow banking Single Rulebook Q&A on Other topics […]