European Banking Authority |

Asset quality has further improved, but cyber risk remains a source of concern for EU banks

Bank capital ratios remain well above regulatory requirements.
Asset quality has further improved, but there are concerns for loans that have benefited from moratoria and public guarantee schemes not least due to general uncertainty due to Covid-19 variant, Omicron.
Profitability has stabilised at levels above those seen before the pandemic....

10/01/2022

The EBA’s feasibility study on integrated reporting system provides a long-term vision for increasing efficiencies and reducing reporting costs

The EBA study concludes that an integrated reporting system (IRS) could be feasible to achieve.
Achieving an integrated reporting system will require strong commitment from all parties involved so as to ensure further data comparability, data sharing and coordination of reporting processes.
Setting up a common data dictionary is the first...

16/12/2021

EBA risk assessment shows improvements in EU banks solvency, profitability and liquidity, but asset price corrections remain a key threat

Bank capital and liquidity positions have improved year on year, the CET1 ratio (fully loaded) reached 15.5% and the liquidity coverage ratio (LCR) 174.5%.
Profitability has also improved, banks’ return on equity (RoE) reached 7.4% in Q2 2021. However, structural challenges for profitability remain.
Fiscal and regulatory support measures have...

03/12/2021

EBA notes significant efforts in IFRS 9 implementation by EU institutions but cautions on some of the observed accounting practices, especially in the context of the COVID-19 pandemic

Divergence in some accounting practices is due to the inherent flexibility embedded in the IFRS 9 standard and the limited experience to date.
The COVID-19 pandemic pushed IFRS 9 models outside their boundaries, thereby increasing the use of manual adjustments, or overlays, with divergent results on the final ECL amount.
Some practices observed...

24/11/2021

EBA sees rapid growth in the use of digital platforms in the EU’s banking and payments sector and identifies steps to enhance the monitoring of market developments

The use of digital platforms in the EU’s banking and payments sector is growing rapidly and offers opportunities for EU consumers and firms.
Platformisation is resulting in new dependencies between financial and non-financial firms but supervisors are facing challenges in monitoring developments.
The EBA sets out measures to strengthen...

21/09/2021

Our response to Coronavirus (Covid-19)

WARNING: The EBA premises operate in accordance with the French Protocol for social distancing and hygienic measures. More information here.

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Calendar

Public hearing on draft Guidelines on transferability

17/03/2022
Public hearing on draft Guidelines on the use of remote customer onboarding solutions

24/02/2022
Public Hearing on High Earners and Benchmarking remuneration data collections

17/02/2022

Consultations

Consultation on draft Guidelines on the high earner data collection exercises under CRD and IFD
Deadline: 21/03/2022
Consultation on draft Guidelines on the remuneration and gender pay gap benchmarking exercises under IFD
Deadline: 21/03/2022
Consultation on draft Guidelines on the remuneration, gender pay gap and approved higher ratio benchmarking exercises under CRD
Deadline: 21/03/2022

EU-wide stress testing

Interactive Single Rulebook

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Sustainable Finance

Anti-Money Laundering/ Countering the Financing of Terrorism

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