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This report, requested by the European Commission, analyses the appropriateness of the Risk Weights (RWs) for Retail SME lending proposed in the CRDIV/CRR framework and assesses the possible effects of a reduction by one third in relation to the current regulation and the effect of an increase from EUR 1 million to EUR 5 million on the regulatory thresholds for SMEs.

The three European Supervisory Authorities (ESAs) are launching a public consultation on updated Guidelines for the prudential assessment of acquisitions of qualifying holdings. The Guidelines define common procedures based on the assessment criteria laid down in the EU legislative framework that establishes how acquisitions and increases of qualifying holdings by natural or legal persons in financial institutions should be assessed. The Guidelines aim to harmonise supervisory practices in the financial sector across the EU and to provide more clarity to proposed acquirers on how they should notify the competent supervisory authorities.

The European Banking Authority (EBA) published today a questionnaire to guide its assessment of non-EU countries’ equivalence with the EU prudential supervision and regulatory requirements specified in the Capital Requirements Regulation (CRR) and Directive (CRD). The questionnaire, which will be sent to a selected number of countries in different rounds, will facilitate the collection of data and allow the EBA to provide technical advice on the supervisory regimes of these non-EU countries, as mandated by the European Commission.

The European Banking Authority (EBA) published today an Opinion addressed to the European Commission, relating to the perimeter of credit institutions and namely to the different approaches across EU Member States on the interpretation of the definition of ‘credit institution’ in the Capital Requirements Regulation (CRR). The Opinion is based on a report, also published today, in which the EBA summarises the findings of a comprehensive study, which focuses on the interpretation of the term ‘credit institution’ and the prudential treatment of those entities established in the Union which carry on credit intermediation but are not ‘credit institutions’.

The European Banking Authority (EBA) has adopted a formal recommendation addressed to the Bulgarian National Bank (BNB) and the Bulgarian Deposit Insurance Fund (BDIF) notifying that they are breaching Article 1(3)(i) and Article 10 of Directive 94/19/EC (the Deposit Guarantee Schemes Directive - DGSD). The EBA also informs the two national authorities of the actions that they need to follow in order to comply with their obligations under EU legislation.