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About UsThe EBA is an independent EU Authority which works to ensure effective and consistent prudential regulation and supervision across the European ... Skiptomaincontent Home Followuson: EBAriskassessmentshowsimprovementsinEUbankssolvency,profitabilityandliquidity,butassetpricecorrectionsremainakeythreat Bankcapitalandliquiditypositionshaveimprovedyearonyear,theCET1ratio (fullyloaded)reached15.5%andtheliquiditycoverageratio(LCR)174.5%. Profitabilityhasalsoimproved,banks’returnonequity(RoE)reached7.4%inQ22021.However,structuralchallengesforprofitabilityremain. Fiscalandregulatorysupportmeasureshave... 03/12/2021 EBAnotessignificanteffortsinIFRS9implementationbyEUinstitutionsbutcautionsonsomeoftheobservedaccountingpractices,especiallyinthecontextoftheCOVID-19pandemic DivergenceinsomeaccountingpracticesisduetotheinherentflexibilityembeddedintheIFRS9standardandthelimitedexperiencetodate. TheCOVID-19pandemicpushedIFRS9modelsoutsidetheirboundaries,therebyincreasingtheuseofmanualadjustments,oroverlays,withdivergentresultsonthefinalECLamount. Somepracticesobserved... 24/11/2021 EBAseesrapidgrowthintheuseofdigitalplatformsintheEU’sbankingandpaymentssectorandidentifiesstepstoenhancethemonitoringofmarketdevelopments TheuseofdigitalplatformsintheEU’sbankingandpaymentssectorisgrowingrapidlyandoffersopportunitiesforEUconsumersandfirms. Platformisationisresultinginnewdependenciesbetweenfinancialandnon-financialfirmsbutsupervisorsarefacingchallengesinmonitoringdevelopments. TheEBAsetsoutmeasurestostrengthen... 21/09/2021 EBARiskDashboardpointstostabilisingreturnonequityinEUBanksbutchallengesremainforthosebankswithexposurestothesectorsmostaffectedbythepandemic InQ22021,banks’returnonequity(RoE)remainedatlevelssimilartoQ1,notleastduetolowimpairments. Capitalandliquidityratiosremainedstrong. Whilethenon-performingloan(NPL)ratiodeclined,assetqualityofloansundermoratoriaandpublicguaranteeschemes(PGS)furtherdeteriorated. Cyberandinformation... 06/10/2021 EBApublishedits2020AnnualReport TheEuropeanBankingAuthority(EBA)publishedtodayits2020AnnualReport,whichprovidesadetailedaccountofalltheworktheAuthorityachievedinthepastyearandanticipatesthekeyareasoffocusinthecomingyear. 2020wasanimportantyearfortheEBAasitconcludesa10-yearcycleofactivities,whichhavecontributedtoamoresolidbankingsector.It... 03/06/2021 EBAcelebratesits10-yearanniversary Tenyearsofwork,growth,andachievementswrappedupina3-minutevideo.Watchourjourneyfrom2011to2021. 08/02/2021 OurresponsetoCoronavirus(Covid-19) WARNING:TheEBApremisesoperateinaccordancewiththeFrenchProtocolforsocialdistancingandhygienicmeasures.Moreinformationhere. News&PressreleasesRSS EBAissuesrevisedlistofITSvalidationrules 10/12/2021 EBAconsultsonliquidityrequirementsforinvestmentfirms 10/12/2021 EBAconsultsonnewremotecustomeronboardingguidelines 10/12/2021 Calendar PublichearingontheConsultationPaperondraftRTSoncrowdfunding 25/01/2022 PublichearingondraftGuidelinesontheuseofremotecustomeronboardingsolutions 24/01/2022 PublichearingondraftRTSonspecificliquiditymeasurementanddraftguidelinesonliquidityrequirementsexemptionforsmallandnon-interconnectedinvestmentfirms 18/01/2022 Consultations ConsultationpaperondraftGuidelinesonliquidityrequirementsexemptionforinvestmentfirmsDeadline:10/03/2022 ConsultationondraftRTSonthespecificliquiditymeasurementforinvestmentfirmsDeadline:10/03/2022 ConsultationondraftGuidelinesontheuseofremotecustomeronboardingsolutionsDeadline:10/03/2022 EU-widestresstesting InteractiveSingleRulebook SingleRulebookQ&As SustainableFinance Anti-MoneyLaundering/CounteringtheFinancingofTerrorism OnlineTraining Subscribetoemailalerts



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