EBA publishes 2025 report on supervisory convergence and EU prudential framework

The European Banking Authority (EBA) has published its 2025 Report on supervisory convergence as part of its efforts to create a more efficient, streamlined, and effective EU prudential framework. The report emphasizes ongoing progress in aligning supervisory practices across the European Union (EU) and identifies areas requiring further convergence.

The report covers all areas of the EBA’s mandate, including prudential supervision, resolution, consumer protection, digital finance, and anti-money laundering and countering the financing of terrorism (AML/CFT) until the end of 2025. It provides a comprehensive overview of how convergence is being achieved in practice.

Key developments in 2025 include advancements in resilience testing, digital operational resilience, bail-in readiness, liquidity planning, and the implementation of regulations such as MiCA and DORA. The EBA also supported efforts to combat scams and improve cross-border coordination in AML/CFT activities.

The EBA conducted 25 training courses with over 2,900 participants to promote supervisory expertise and best practices across the EU. Its breach of Union law activities helped ensure consistent application of the EU Single Rulebook.

Looking ahead to 2026, the EBA plans to deepen convergence efforts, focusing on Basel III implementation, resolution testing, oversight under DORA, and supervision under MiCA. These initiatives aim to strengthen financial stability and promote a level playing field within the EU Single Market.

This publication is part of the EBA’s “Simplifying to strengthen” campaign, aligned with its broader goal to enhance transparency and efficiency in EU banking supervision, as outlined in its October 2025 report on regulatory efficiency.