European Banking Authority publishes updates on regulatory standards and risk assessments

The European Banking Authority (EBA) has published several key documents and guidance to enhance banking supervision and regulatory compliance across the EU.

It submitted its confidential report on equivalence monitoring activities to the European Parliament, the Council, the European Commission, and other European Supervisory Authorities (ESAs). A public summary outlining recent developments in 26 non-EU jurisdictions deemed equivalent under the Capital Requirements Regulation (CRR) was also published.

The EBA released its Q3 2025 Risk Dashboard (RDB), available on the European Data Access Portal (EDAP), indicating that asset quality, solvency, liquidity, and profitability remain stable in the EU/EEA banking sector despite macroeconomic and geopolitical risks.

Guidance was issued for banks on managing enhanced reporting requirements for operational risk, following the postponement of the first reference date under the amended Implementing Technical Standards (ITS). The new application date is set for the end of June 2026, as per Regulation (EU) 2025/2475.

The EBA published final draft Regulatory Technical Standards (RTS) establishing thresholds for non-banking CSDs to use banking CSDs or credit institutions for cash settlement without additional authorization.

Two factsheets, developed jointly with EIOPA and ESMA, were published to help consumers protect against crypto and online scams, including the use of artificial intelligence (AI) by fraudsters. These will be translated into all EU languages.

The joint report with the European Central Bank (ECB) on payment fraud for 2022-2024 confirms that strong customer authentication (SCA) has contributed to reducing fraud levels but emphasizes the need for ongoing vigilance and security measures.

The EBA finalized RTS on structural foreign exchange (FX) under CRR, promoting harmonization and supervisory convergence across the EU. It also issued a revised list of validation rules for supervisory reporting, deactivating rules affected by inaccuracies or IT issues.

Amendments to RTS on real estate risk weights were published, driven by CRR 3 revisions, to improve assessment standards. A public consultation on draft RTS and ITS concerning material acquisitions, transfers, mergers, and divisions involving credit institutions or financial holding companies is ongoing until 5 March 2026, with a public hearing scheduled for 12 January.

The EBA released a follow-up report on the progress of authorizations for payment and electronic money institutions under PSD2, noting improvements but persistent divergences in governance and internal controls across Member States.

The Autumn 2025 risk assessment report confirms that EU/EEA banks remain resilient in capital, liquidity, and asset quality, though continued vigilance is advised amid geopolitical and market uncertainties. The report includes data from 119 banks across 25 countries and is complemented by the Autumn 2025 Risk Assessment Questionnaire (RAQ).

A public consultation is underway on draft amendments to RTS concerning prudential requirements for CSDs and banking-type ancillary services, reflecting changes from the CSDR Refit. The consultation runs until 3 March 2026, with a public hearing scheduled for 12 January.

Finally, a Peer Review assessed the implementation of gender diversity policies in supervisory authorities, finding most authorities meet or exceed benchmarks. The review focused on how authorities apply CRD and EBA Guidelines across key diversity indicators.

Additionally, the EBA published its semi-annual dashboard on the minimum requirement for own funds and eligible liabilities (MREL), providing updates on resolution planning and resource utilization.