https://eba.europa.eu

Homepage | European Banking AuthorityHomepage | European Banking Authority Skip to main content Menu Extranet Log in About us Back About us The EBA is an independent EU Authority.  We play a key role in safeguarding the integrity and robustness of the EU banking sector to support financial stability in the EU. Learn more Mission, values and tasks Organisation and governance Governance structure and decision making EBA within the EU institutional framework Internal organisation Accountability Legal and policy framework EBA regulation and institutional framework Compliance with EBA regulatory products Sustainable EBA Diversity and inclusion Careers Vacancies Budget Procurement Activities Back Activities To contribute to the stability and effectiveness of the European financial system, the EBA develops harmonised rules for financial institutions, promotes convergence of supervisory practices, monitors, and advises on the impact of financial innovation and the transition to sustainable finance. Start here Single Rulebook Implementing Basel III in Europe Supervisory convergence Supervisory disclosure Supervisory convergence Peer Reviews Breach of Union Law Mediation Colleges Training Direct supervision and oversight Markets in Crypto-assets Digital operational resilience Act Information for consumers Financial education National competent authorities for consumer protection How to complain Personal finance at the EU level Warnings Research Workshops Ad hoc activities Our response to Covid-19 Brexit Risk and data analysis Back Risk and data analysis To ensure the orderly functioning and stability of the financial system in the European Union, we monitor and analyse risks and vulnerabilities relevant for the regulation of banks and investment firms. We also facilitate information sharing among authorities and institutions through supervisory reporting and data disclosure. Learn more Risk analysis EU-wide stress testing EU-wide transparency exercise Risk monitoring Thematic analysis Reporting frameworks Reporting Time Traveller DPM data dictionary Data Registers Guides on data Aggregate statistical data Secondary reporting: data from Competent Authorities to the EBA Data analytics tools Publications and media Back Publications and media Communicating to all our audiences in the most effective way and using the most appropriate channels is crucial for us. Through our publications, announcements, and participation in external events, we are committed to reaching out to all our stakeholders to report about our policies, activities, and initiatives. Learn more Publications Guidelines Regulatory Technical Standards Implementing Technical Standards Reports Consultation papers Opinions Decisions Staff papers Annual reports Press releases Speeches Interviews Events Media centre Media gallery Media resources Welcome to the EBA Contributing to the stability and effectiveness of the European financial system Learn more Interactive Single Rulebook An online tool assembling Level 1 and Level 2 legislation and Q&As under our remit Learn more Consultations 8 JULY - 8 OCTOBER 2024 Consultation on Regulatory Technical Standards on CVA risk of securities financing transactions Respond 12 JULY - 12 OCTOBER 2024 Consultation on Guidelines on templates for explanations and opinions, and the standardised test for the classification of crypto-assets under MiCAR Respond 15 JULY - 15 OCTOBER 2024 Consultation on Guidelines on templates to assist competent authorities in performing their supervisory duties regarding issuers’ compliance under MiCAR Respond View all News & Media In focus Net interest margin of EU/EEA banks slightly decreased on a quarterly basis September 19, 2024 How the EBA and ESM cooperate to strengthen crisis prevention and navigate an incomplete banking union Date Wed, Jul 17 2024, 6:50am - Thu, Jul 18 2024, 7am EBA reflects on EU stacking orders and provides insight into EU institutions’ management buffers July 15, 2024 Press releases 19 SEPTEMBER 2024 Net interest margin of EU/EEA banks slightly decreased on a quarterly basis The European Banking Authority (EBA) today published its Q2 2024 quarterly Risk Dashboard (RDB), which discloses aggregated statistical information for the largest EU/EEA institutions. 12 SEPTEMBER 2024 EBA issues revised list of ITS validation rules The European Banking Authority (EBA) today issued a revised list of validation rules in its Implementing Technical Standards (ITS) on supervisory reporting, highlighting those, which have been deactivated either for incorrectness or for triggering IT problems. Competent Authorities throughout the EU are informed that data submitted in accordance with these ITS should not be formally validated against the set of deactivated rules. 10 SEPTEMBER 2024 ESAs warn of risks from economic and geopolitical events The three European Supervisory Authorities (EBA, EIOPA and ESMA - ESAs) today issued their Autumn 2024 Joint Committee Report on risks and vulnerabilities in the EU financial system. The Report underlines ongoing high economic and geopolitical uncertainties. The ESAs warn national supervisors of the financial stability risks stemming from these uncertainties and call for continued vigilance from all financial market participants. For the first time, the Report also includes a cross-sectoral deep dive into credit risks in the financial sector. 9 SEPTEMBER 2024 ​EBA launches 2024 EU-wide transparency exercise ​The European Banking Authority (EBA) launched today the 2024 EU-wide transparency exercise. Ahead of the 2025 stress tests, this year's transparency exercise will offer preliminary and valuable insights into the health and resilience of Europe's banking sector. The results will be published at the end of November, together with the release of the Risk Assessment Report (RAR). 29 AUGUST 2024 EBA issues Opinion on a measure to address macroprudential risk following a notification by the De Nederlandsche Bank The European Banking Authority (EBA) today published an Opinion following the notification by the Dutch Central Bank (De Nederlandsche Bank - DNB) of its intention to extend a measure originally introduced in 2022 for a further two years until 2026. The measure aims to maintain the resilience of institutions against a potential severe downturn in the residential real estate market. This action comes amidst  recent sustained real estate price increases. Based on the information provided by the DNB, the EBA does not object to the extension of the measure. View all Speeches 19 JUNE 2024 José Manuel Campa keynote speech at FELABAN's Board of Directors meeting José Manuel Campa EBA Chairperson 22 MAY 2024 José Manuel Campa opening remarks at BCBS-FSI high-level meeting for European Supervisors - Expanding the boundaries of supervision in the EU José Manuel Campa EBA Chairperson 19 APRIL 2024 José Manuel Campa opening remarks at the VI Conference - Banking Turmoil and Regulatory Reform José Manuel Campa EBA Chairperson 17 APRIL 2024 José Manuel Campa Keynote Speech at Breathing New Life into the Capital Markets Union | A Blueprint for the Next EU Parliament, Brussels, 17 April 2024 José Manuel Campa EBA Chairperson 11 APRIL 2024 José Manuel Campa speech at the Annual Assembly of the Spanish Banking Association José Manuel Campa EBA Chairperson View all Interviews 26 JULY 2024 Časopis Bankovnictví Ángel Monzón interview with Bankovnictví: Profitability of the banking sector peaks Ángel Monzón Head of the Risk Analysis and Stress Testing Unit 11 JULY 2024 Világgazdaság José Manuel Campa interview with Világgazdaság: Regulators need to watch big digital platforms, European Banking Authority head says José Manuel Campa EBA Chairperson 3 JUNE 2024 Verslo žinios José Manuel Campa interview with Verslo žinios: transforming a bank is challenging, whereas FinTechs start from scratch José Manuel Campa EBA Chairperson 17 MAY 2024 Delo José Manuel Campa interview with Delo: Bank profits likely to have peaked José Manuel Campa EBA Chairperson 18 MARCH 2024 Handelsblatt José Manuel Campa interview with Handelsblatt: 'Banks must prepare for a crisis lasting several years' José Manuel Campa EBA Chairperson View all Calendar 23 Sep 2024 Public hearing on ESAs Guidelines on templates for explanations and opinions, and the standardised test for the classification of crypto-assets under MiCAR 25 Sep 2024 Workshop with industry and members of the Subgroup on Analytical Tools: Paving the way for the EBA data hub 3 Oct 2024 11th Joint ESA’s Consumer Protection Day 16 Oct 2024 Board of Supervisors meeting View all events Subscribe to email alerts Subscribe to our mailing list to receive our latest news and announcements Subscribe Receive vacancy email alerts Subscribe to our mailing list and never miss a new vacancy Subscribe Footer EUROPEAN BANKING AUTHORITY Our mission is to contribute to the stability and effectiveness of the European financial system through simple, consistent, transparent, fair regulation and supervision that benefits all EU citizens. An agency of the EU EU Agencies Network Sustainable EBA Contact us Contacts Ask a general question Send a press query Ask a regulatory question File a complaint Whistleblower reports Stay up to date with our work Subscribe to our email alerts News & press RSS feed Follow us on Social media Twitter LinkedIn YouTube Find out about us Vacancies Privacy policy Legal notice Cookies policy Explore related sites EIOPA ESMA ESRB CEBS archiveenenhttps://eba.europa.eu