da Maineri Bruno | Ott 24, 2025 | Regolamentazione e norme
The Joint Committee of the European Supervisory Authorities (EBA, EIOPA and ESMA – the ESAs) today presented its 2026 Work Programme, outlining key areas of collaboration for the coming year. The upcoming Programme aims to strengthen the financial system’s digital operational resilience, ensure the continued protection of consumers, and identify risks that could undermine financial stability.
https://www.eba.europa.eu/publications-and-media/press-releases/esas-joint-committee-publishes-work-programme-2026
da Maineri Bruno | Set 5, 2025 | Regolamentazione e norme
The European Banking Authority (EBA) today launched a consultation on its revised Guidelines on internal governance under the Capital Requirements Directive (CRD). The proposed revisions reflect the changes introduced in the CRD framework as well as in other relevant legislations, such as the Digital Operational Resilience Acts (DORA). The consultation runs until 7 November 2025 and is limited to the proposed changes.
The draft revised Guidelines have been amended to reflect the changes brought by CRD VI. They specify further the requirements under Article 88(3) of CRD VI, to ensure that each member of the management body, senior manager and key function holder have a documented statement of role and duties, and that a mapping of duties of the members of the management body, senior managers and key function holders has been drawn up. They also provide specific guidance to ensure that third-country branches have a robust governance framework in place.
The draft revised Guidelines have been amended also to ensure alignment with the DORA Regulation and take into account the findings of the EBA benchmarking Report of diversity practices and gender-neutral remuneration policies. Finally, they also consider the lessons learned from supervisory practices across the EU.
Consultation process
Comments to the consultation paper can be sent by clicking on the “send your comments” button on the EBA’s consultation page. The deadline for the submission of comments is 7 November 2025.
The EBA will hold a virtual public hearing on 5 September from 11:30 to 13:00 – Paris time. The EBA invites interested stakeholders to register using this link by 1 September (16:00 CEST). The dial-in details will be communicated to those who have registered for the meeting.
All contributions received will be published following the end of the consultation, unless requested otherwise.
Legal basis
The Guidelines on internal governance have been developed in accordance with Article 74(3) of Directive 2013/36/EU, which mandates the EBA to draft guidelines in this area, and in accordance with Article 48g(9) of Directive 2013/36/EU, which mandates the EBA to draft guidelines on internal governance arrangements, processes and mechanisms for third country branches.
The revision of the EBA Guidelines on internal governance is part of EBA’s roadmap on the implementation of the banking package (CRR III / CRDV VI) which came into application on 1st January 2025 and will, together with its set of regulatory products, further underpin a robust regulatory framework, efficient supervision, and enhanced risk control by credit institutions.
The European Banking Authority (EBA) today launched a consultation on its revised Guidelines on internal governance under the Capital Requirements Directive (CRD). The proposed revisions reflect the changes introduced in the CRD framework as well as in other relevant legislations, such as the Digital Operational Resilience Acts (DORA). The consultation runs until 7 November 2025 and is limited to the proposed changes.
The draft revised Guidelines have been amended to reflect the changes brought by CRD VI. They specify further the requirements under Article 88(3) of CRD VI, to ensure that each member of the management body, senior manager and key function holder have a documented statement of role and duties, and that a mapping of duties of the members of the management body, senior managers and key function holders has been drawn up. They also provide specific guidance to ensure that third-country branches have a robust governance framework in place.
The draft revised Guidelines have been amended also to ensure alignment with the DORA Regulation and take into account the findings of the EBA benchmarking Report of diversity practices and gender-neutral remuneration policies. Finally, they also consider the lessons learned from supervisory practices across the EU.
Consultation process
Comments to the consultation paper can be sent by clicking on the “send your comments” button on the EBA’s consultation page. The deadline for the submission of comments is 7 November 2025.
The EBA will hold a virtual public hearing on 5 September from 11:30 to 13:00 – Paris time. The EBA invites interested stakeholders to register using this link by 1 September (16:00 CEST). The dial-in details will be communicated to those who have registered for the meeting.
All contributions received will be published following the end of the consultation, unless requested otherwise.
Legal basis
The Guidelines on internal governance have been developed in accordance with Article 74(3) of Directive 2013/36/EU, which mandates the EBA to draft guidelines in this area, and in accordance with Article 48g(9) of Directive 2013/36/EU, which mandates the EBA to draft guidelines on internal governance arrangements, processes and mechanisms for third country branches.
The revision of the EBA Guidelines on internal governance is part of EBA’s roadmap on the implementation of the banking package (CRR III / CRDV VI) which came into application on 1st January 2025 and will, together with its set of regulatory products, further underpin a robust regulatory framework, efficient supervision, and enhanced risk control by credit institutions.
Consultation Paper on draft amended Guidelines on internal governance.pdf
da Maineri Bruno | Set 5, 2025 | Regolamentazione e norme
Credible resolution mechanisms are a key component of effective supervision, says Supervisory Board member Pedro Machado. He explains why the agreement to reform the crisis management and deposit insurance framework is a breakthrough and he explains its focus on smaller banks.
“Strengthening the framework for managing bank crises”
Interview with Pedro Machado, Member of the Supervisory Board of the ECB, Supervision Newsletter
13 August 2025
da Maineri Bruno | Set 5, 2025 | Regolamentazione e norme
The European Banking Authority (EBA) today released an updated set of 13 indicators and supporting data for the 32 largest institutions in the European Union, each with a leverage ratio exposure measure exceeding EUR 200 billion. This comprehensive publication features the latest figures and metrics essential for recognising institutions within the Banking Union and those operating under the Single Resolution Mechanism (SRM). By serving as a centralised data hub in the disclosure process, the EBA ensures annual updates and provides user-friendly tools, making it easier for stakeholders across the EU to access and analyse this vital information.
This end-2024 data will assist competent authorities to identify a subset of banks as global systemically important institutions (G-SIIs), following the final decision by the Basel Committee on Banking Supervision (BCBS) and the Financial Stability Board (FSB).
A stable sample of 27 institutions shows that the sum for those banks’ total exposures increased by 3.4% at the end of 2024, accelerating growth from the previous 1.3% up to the end of 2023. Showing the most noticeable development from the previous year, the trading volume indicator increased by 39.7%. The indicators concerning OTC derivatives, securities outstanding, assets under custody and level 3 assets increased by 13.3%, 9.6%, 8.8% and 6.4% respectively, all renewing their highest activity volume observed since 2013. The underwriting activity indicator registered a remarkable increase, by 25% at the end of 2024, overcoming the year of 2021 as the highest value for this indicator since 2013. With similar magnitude, the trading and available for sale securities indicator rose by 26.4% at the end of 2024. The only indicator observing a downward trend up to the end of 2024 was intra-financial system liabilities, declining by 0.9%.
Background legal basis and next steps
The identification of a G-SII, which leads to higher capital buffer requirements, falls under the responsibility of national competent authorities. The identification is based on the disclosure of global denominators and G-SIB exercise results, which are expected to be published by the BCBS and the FSB in November each year. Any higher capital buffer requirements will then apply after about one year from the publication by competent authorities of bank-specific results and buffer rate allocation, thus allowing institutions enough time to adjust to the new buffer requirement.
The EBA Guidelines on disclosure of G-SIIs, as amended by EBA/GL/2022/11, define uniform requirements for disclosing the values used during the identification and scoring process of G-SIIs, in line with the internationally agreed standards developed by the BCBS and the FSB. Having in mind the G-SIB assessment methodology review announced by the Basel Committee on the 31st of May 2022, the EBA supports the disclosure by EU authorities of the cross-jurisdictional indicators and underlying data items needed to calculate the parallel set of scores specific to European Banking Union banks.
To promote a level playing field in the EU and to increase transparency in the internal financial market, the current level of disclosure goes beyond the minimum standards required by the BCBS, both in terms of granularity of the disclosed information and applicable scope of institutions. Consequently, some of the group-specific templates currently published belong to institutions that have not contributed directly to the BCBS’s G-SIB exercise.
The Regulatory Technical Standards (RTS) on the specification of the methodology for the identification and definition of subcategories of G-SIIs, and Guidelines on disclosure of G-SIIs have been developed in accordance with Directive 2013/36/EU (Capital Requirements Directive – CRD IV) on the basis of internationally agreed standards, such as the framework established by the BCBS and the FSB.
BankLEIs_publication_end2024 (2).xlsx
2024_g-sii_data_disclosure_tool.xlsx
end-2024_eba_g-sii_data_disclosure_-_summary_charts.pdf
da Maineri Bruno | Set 5, 2025 | Regolamentazione e norme
The European Banking Authority (EBA) today published a Report on the use of technology tools in anti-money laundering and countering the financing of terrorism (AML/CFT) supervision (SupTech). The Report takes stock of ongoing innovation efforts by competent authorities in the EU and explores how these can support the effective implementation of the new EU AML/CFT framework.
The new AML/CFT framework represents a significant step forward in the EU’s fight against financial crime. A key element o is the creation of the Anti-Money Laundering and Countering the Financing of Terrorism Authority (AMLA), which will coordinate AML/CFT supervision at EU level. This institutional change provides a unique opportunity to reassess supervisory approaches and harness the potential of technology to enhance oversight. To inform this work, the EBA conducted a survey of national competent authorities (NCAs) and, together with the European Commission’s AMLA Task Force, organised a dedicated workshop to identify trends, challenges, and good practices in the use of SupTech in AML/CFT supervision.
Today’s Report summarises the key insights from these two initiatives. It provides an overview of current SupTech use across the EU and outlines examples of effective practices in, for instance, change management, data and technology, supervisory and regulatory strategies, that can contribute to a more risk-based, data-driven, and scalable supervisory model under the new AML/CFT framework.
While SupTech deployments in the AML/CFT area are still evolving, nearly half of the tools or projects identified (47%) are already in production, with a further 38% under development and 15% in exploratory phases. The Report finds that NCAs are already experiencing tangible benefits, including improved data quality, enhanced collaboration, and more efficient risk identification. However, several challenges remain, such as limited resources, legal uncertainty, and data governance constraints.
The EBA will continue to support NCAs and AMLA in strengthening their use of technology and fostering innovation in AML/CFT supervision across the EU.
Legal basis
Article 29 of the EBA Founding Regulation mandates the Authority to play an active role in building a common Union supervisory culture and consistent supervisory practices. In addition, Article 31 mandates the EBA to promote supervisory convergence and facilitate entry into the market of actors or products relying on technological innovation, in particular through the exchange of information and best practices. The aim of this mandate is to contribute to the establishment of a common European approach towards technological innovation.
Report on the use of AMLCFT SupTech tools.pdf
