European Banking Authority (EBA)

💳 €𝟰.𝟮 𝗯𝗶𝗹𝗹𝗶𝗼𝗻. 𝗧𝗵𝗮𝘁’𝘀 𝗵𝗼𝘄 𝗺𝘂𝗰𝗵 𝗽𝗮𝘆𝗺𝗲𝗻𝘁 𝗳𝗿𝗮𝘂𝗱 𝗰𝗼𝘀𝘁 𝘁𝗵𝗲 𝗘𝗨 𝗶𝗻 𝟮𝟬𝟮𝟰, 𝘂𝗽 𝗳𝗿𝗼𝗺 €𝟯.𝟱 𝗯𝗶𝗹𝗹𝗶𝗼𝗻 𝗶𝗻 𝟮𝟬𝟮𝟯, 𝗮𝗻𝗱 𝗶𝘁 𝗸𝗲𝗲𝗽𝘀 𝗿𝗶𝘀𝗶𝗻𝗴 (𝟮𝟬𝟮𝟱 𝗻𝘂𝗺𝗯𝗲𝗿𝘀 𝘁𝗼 𝗯𝗲 𝗽𝘂𝗯𝗹𝗶𝘀𝗵𝗲𝗱 𝘀𝗼𝗼𝗻). Scams are getting smarter, and AI is making them more convincing and easier to scale. 𝗛𝗼𝘄 𝗱𝗼 𝘄𝗲 𝗸𝗲𝗲𝗽 𝗘𝘂𝗿𝗼𝗽𝗲’𝘀 𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝗯𝗼𝘁𝗵 𝗳𝗮𝘀𝘁 𝗮𝗻𝗱 𝘀𝗮𝗳𝗲? At the Payments Tomorrow Conference in Paris today, the EBA Chair François-Louis Michaud set out how the EBA will help tackle fraud under the new payment services rules (PSD3 and PSR): 🔹 Stronger payment security, through new technical standards including on strong customer authentication 🔹 Smarter fraud prevention, with better transaction monitoring, new technologies and more effective information sharing 🔹 Proportionate rules that protect consumers without holding back innovation 💬 “𝑇ℎ𝑒 𝑐ℎ𝑎𝑙𝑙𝑒𝑛𝑔𝑒 𝑎ℎ𝑒𝑎𝑑 𝑖𝑠 […] 𝑡𝑜 𝑒𝑛𝑠𝑢𝑟𝑒 𝑡ℎ𝑎𝑡 𝑝𝑟𝑜𝑡𝑒𝑐𝑡𝑖𝑜𝑛 𝑖𝑠 𝑎𝑠 𝑠𝑚𝑎𝑟𝑡 𝑎𝑠 𝑡ℎ𝑒 𝑡ℎ𝑟𝑒𝑎𝑡𝑠, 𝑡𝑜 𝑚𝑎𝑖𝑛𝑡𝑎𝑖𝑛 𝑒𝑓𝑓𝑒𝑐𝑡𝑖𝑣𝑒 𝑓𝑟𝑎𝑢𝑑 𝑝𝑟𝑒𝑣𝑒𝑛𝑡𝑖𝑜𝑛 𝑤𝑖𝑡ℎ𝑜𝑢𝑡 𝑢𝑛𝑑𝑒𝑟𝑚𝑖𝑛𝑖𝑛𝑔 𝑡ℎ𝑒 𝑠𝑝𝑒𝑒𝑑, 𝑐𝑜𝑛𝑣𝑒𝑛𝑖𝑒𝑛𝑐𝑒 𝑎𝑛𝑑 𝑖𝑛𝑛𝑜𝑣𝑎𝑡𝑖𝑜𝑛 𝑡ℎ𝑎𝑡 𝑢𝑠𝑒𝑟𝑠 𝑒𝑥𝑝𝑒𝑐𝑡.” 🔗 Read the full speech: https://lnkd.in/eZ8gGpDq #EBA #Payments #PaymentFraud #PSD3 #PSR #DigitalFinance

🚨 The European Banking Authority (EBA) classifies USDC as the first significant e-money token (EMT) in the EU 📊 Out of 45 EMTs notified under the Markets in Crypto-Assets Regulation (#MiCA), USDC, issued by Circle Internet Financial Europe SAS, is the first to be classified as significant. 📅 What changes from 12 November 2026? USDC will be subject to MiCA’s dual supervision model: 🏛️ The EBA will directly supervise: 💶 Own funds 🏦 Reserve of assets 💧 Liquidity requirements 🔄 Recovery and redemption plans 🏛️France’s Autorité de contrôle prudentiel et de résolution (ACPR) will remain responsible for areas such as governance, qualifying holdings, fit and proper assessments, outsourcing and conflicts of interest. 🤝 Because USDC is also issued in the United States 🇺🇸, the EBA has signed a Memorandum of Understanding with the New York State Department of Financial Services to strengthen cooperation and information exchange on cross-border stablecoin activities. 🔗 Read the press release: https://lnkd.in/dVBYqV9e #Stablecoins #CryptoAssets #DigitalFinance

What will Europe’s financial supervisors be working on together in 2027? 🗒️ The European Supervisory Authorities (the #EBA, European Insurance and Occupational Pensions Authority (EIOPA) and European Securities and Markets Authority (ESMA)) have now published our Joint Committee’s Annual Work Programme for 2027, setting out our shared priorities across banking, insurance and securities markets.. Our focus for the year ahead: 🔌 digital operational resilience and cyber threats 🤖 technological innovation and AI 🛒 consumer protection 🌳 sustainable finance 🧱 securitisation and cross-sectoral risk monitoring The programme also supports the EU’s #SavingsAndInvestmentsUnion and its simplification agenda, aiming to make regulation and supervision more effective while reducing unnecessary burdens. By strengthening coordination across banking, insurance and securities markets, the ESAs will continue working towards a resilient, innovative and well-functioning European financial system. 🔗 Read more: https://lnkd.in/dWdpQWi6

📢 𝗥𝗲𝗹𝗲𝗮𝘀𝗲 𝟰.𝟰 𝗶𝘀 𝗵𝗲𝗿𝗲! 𝗢𝗻𝗲 𝘀𝘁𝗲𝗽 𝗰𝗹𝗼𝘀𝗲𝗿 𝘁𝗼 𝘀𝗶𝗺𝗽𝗹𝗲𝗿, 𝘀𝗺𝗮𝗿𝘁𝗲𝗿 𝗿𝗲𝗽𝗼𝗿𝘁𝗶𝗻𝗴 🚀   The EBA has released the final technical package for Phase 1 of its reporting and Pillar 3 disclosure framework 4.4.   ✅ 𝗪𝗵𝘆 𝗶𝘁 𝗺𝗮𝘁𝘁𝗲𝗿𝘀 • Earlier IFRS 18-compliant reporting • Smoother application of Pillar 3 requirements • Lower reporting costs for institutions   📦 𝗪𝗵𝗮𝘁'𝘀 𝗶𝗻 𝘁𝗵𝗲 𝗽𝗮𝗰𝗸𝗮𝗴𝗲 🌱 Pillar 3: updated ESG, equity and shadow banking disclosures, plus selected FRTB templates 📈 IFRS 18: a new FINREP module on income and expenses 🛡️ AMLA: templates for the 2027 risk assessment data collection 🔧 Fixes: resolution planning, MREL and third-country branch liquidity reporting 🧰 Tools: Data Point Model, validation rules, XBRL taxonomies, updated FAQs and known-issues list   🗓️ 𝗪𝗵𝗮𝘁'𝘀 𝗻𝗲𝘅𝘁 Phase 2, expected in early 2027, will deliver the supervisory reporting simplification package, bringing substantial further simplification. Stay tuned! 👀   👉 Explore the full package: https://lnkd.in/e-wkWFsU   #EBA #SupervisoryReporting #Pillar3 #IFRS18 #ESG #AMLA #Simplification #RegTech #XBRL #BankingSupervision

🔍 𝗡𝗲𝘄 𝗳𝗿𝗼𝗺 𝘁𝗵𝗲 𝗘𝗕𝗔: 𝗙𝗶𝗻𝗮𝗹 𝗥𝗲𝗽𝗼𝗿𝘁 𝗼𝗻 𝗱𝗿𝗮𝗳𝘁 𝗮𝗺𝗲𝗻𝗱𝗺𝗲𝗻𝘁𝘀 𝘁𝗼 𝘁𝗵𝗲 𝗥𝗧𝗦 𝗼𝗻 𝗽𝗿𝘂𝗱𝗲𝗻𝘁𝗶𝗮𝗹 𝗿𝗲𝗾𝘂𝗶𝗿𝗲𝗺𝗲𝗻𝘁𝘀 𝗳𝗼𝗿 𝗰𝗲𝗻𝘁𝗿𝗮𝗹 𝘀𝗲𝗰𝘂𝗿𝗶𝘁𝗶𝗲𝘀 𝗱𝗲𝗽𝗼𝘀𝗶𝘁𝗼𝗿𝗶𝗲𝘀 (𝗖𝗦𝗗𝘀) Following the CSDR Refit, banking CSDs can now provide banking-type ancillary services, such as cash and FX payment services, to other CSDs. 🎯 The aim: better access to foreign currency for non-banking CSDs and, ultimately, more efficient settlement in Europe. 🛡️ Our response: updated prudential requirements so that greater interconnectedness between CSDs doesn’t lead to higher systemic risk. What the amendments cover: ✅ The impact of these arrangements on the banking CSD’s risk profile ✅ The notifications supervisors will need ✅ Alignment with recent CRR changes and the amended CSDR text 📄 Read the Final Report: https://lnkd.in/dgKnV-WZ #EBA #CSDR #FinancialRegulation #PostTrade #CapitalMarketsUnion

📊 𝗘𝗨 𝗯𝗮𝗻𝗸𝘀 𝗿𝗲𝗺𝗮𝗶𝗻 𝘄𝗲𝗹𝗹-𝗰𝗮𝗽𝗶𝘁𝗮𝗹𝗶𝘀𝗲𝗱 𝘂𝗻𝗱𝗲𝗿 𝘁𝗵𝗲 𝗳𝘂𝗹𝗹𝘆 𝗹𝗼𝗮𝗱𝗲𝗱 𝗕𝗮𝘀𝗲𝗹 𝗜𝗜𝗜 𝗳𝗿𝗮𝗺𝗲𝘄𝗼𝗿𝗸. The latest EBA CRR3/CRD6 Dashboard, covering 129 EU/EEA banks as of Q2 2026, confirms the sector's strong capital position, even as the impact of the output floor becomes more pronounced. 🔹 Average projected CET1 ratio: 15.1%, comfortably above minimum requirements 🔹 Tier 1 minimum required capital: projected to increase by 6% under fully loaded CRR3 🔹 Output floor: 33 institutions are projected to become constrained 🔹 Capital shortfalls: none projected before 2030, assuming static balance sheets ✅ The findings highlight the resilience of the EU banking sector and its preparedness for the final implementation of the Basel III framework. 🔗 Explore the dashboard and read the press release: https://lnkd.in/ebNdRufV #EBA #CRR3 #CRD6 #BaselIII #Banking #FinancialStability #CapitalRequirements #EUBanks

🔹 𝗛𝗼𝘄 𝗰𝗮𝗻 𝗿𝗲𝗴𝘂𝗹𝗮𝘁𝗶𝗼𝗻 𝘀𝘂𝗽𝗽𝗼𝗿𝘁 𝗮 𝗺𝗼𝗿𝗲 𝗰𝗼𝗺𝗽𝗲𝘁𝗶𝘁𝗶𝘃𝗲 𝗘𝘂𝗿𝗼𝗽𝗲𝗮𝗻 𝗯𝗮𝗻𝗸𝗶𝗻𝗴 𝘀𝗲𝗰𝘁𝗼𝗿? At the conference 𝗟𝗲𝘀𝘀 𝗶𝘀 𝗺𝗼𝗿𝗲 - 𝘄𝗵𝗮𝘁 𝗲𝗹𝘀𝗲 ? 𝗧𝗼𝘄𝗮𝗿𝗱𝘀 𝗦𝗶𝗺𝗽𝗹𝗲𝗿 𝗮𝗻𝗱 𝗕𝗲𝘁𝘁𝗲𝗿 𝗥𝗲𝗴𝘂𝗹𝗮𝘁𝗶𝗼𝗻 𝗶𝗻 𝘁𝗵𝗲 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗦𝗲𝗿𝘃𝗶𝗰𝗲𝘀 𝗦𝗲𝗰𝘁𝗼𝗿, Philippe Allard, Head of Governance and External Affairs at the European Banking Authority (EBA), joined policymakers, industry representatives and experts to discuss the path forward for Europes banking sector. 💡 𝗢𝗻𝗲 𝗸𝗲𝘆 𝗺𝗲𝘀𝘀𝗮𝗴𝗲: regulatory simplification is not just a debate. It is an ongoing priority. ✅ Since last year, the EBA has been working on concrete measures to improve the efficiency and usability of the regulatory framework. ✅ This work is firmly embedded in the EBAs activities, with around one-third of Board of Supervisors discussions focusing on simplification and efficiency initiatives in 2026. ✅ The objective remains clear: preserve financial stability while reducing unnecessary complexity and supporting competitiveness. Many thanks to Less is More Report, AEDBF FRANCE, Association Nationale des Juristes de Banque (ANJB), and the Fédération Nationale du Crédit Agricole for organising and hosting this timely discussion. #EBA #Banking #Competitiveness #BetterRegulation #SingleRulebook #FinancialStability

Speaking at the conference 𝑩𝒂𝒏𝒌𝒔’ 𝒄𝒐𝒎𝒑𝒆𝒕𝒊𝒕𝒊𝒗𝒆𝒏𝒆𝒔𝒔: 𝑬𝑼’𝒔 𝒂𝒈𝒆𝒏𝒅𝒂 𝒇𝒐𝒓 𝒂 𝒎𝒐𝒓𝒆 𝒊𝒏𝒕𝒆𝒈𝒓𝒂𝒕𝒆𝒅, 𝒆𝒇𝒇𝒊𝒄𝒊𝒆𝒏𝒕 𝒂𝒏𝒅 𝒄𝒐𝒎𝒑𝒆𝒕𝒊𝒕𝒊𝒗𝒆 𝒃𝒂𝒏𝒌𝒊𝒏𝒈 𝒔𝒆𝒄𝒕𝒐𝒓 hosted by BusinessEurope and European Banking Federation in Brussels, the European Banking Authority (EBA) Chair François-Louis Michaud highlighted the importance of dialogue between policymakers, supervisors and the private sector to understand challenges and identify practical solutions. “𝘌𝘶𝘳𝘰𝘱𝘦𝘢𝘯 𝘣𝘢𝘯𝘬𝘴 𝘢𝘳𝘦 𝘮𝘰𝘳𝘦 𝘳𝘦𝘴𝘪𝘭𝘪𝘦𝘯𝘵, 𝘣𝘦𝘵𝘵𝘦𝘳 𝘤𝘢𝘱𝘪𝘵𝘢𝘭𝘪𝘴𝘦𝘥 𝘢𝘯𝘥 𝘣𝘦𝘵𝘵𝘦𝘳 𝘱𝘳𝘦𝘱𝘢𝘳𝘦𝘥 𝘧𝘰𝘳 𝘴𝘩𝘰𝘤𝘬𝘴. 𝘉𝘶𝘵 𝘳𝘦𝘴𝘪𝘭𝘪𝘦𝘯𝘤𝘦 𝘢𝘭𝘰𝘯𝘦 𝘪𝘴 𝘯𝘰𝘵 𝘦𝘯𝘰𝘶𝘨𝘩. 𝘌𝘶𝘳𝘰𝘱𝘦 𝘯𝘦𝘦𝘥𝘴 𝘤𝘰𝘮𝘱𝘦𝘵𝘪𝘵𝘪𝘷𝘦 𝘢𝘯𝘥 𝘦𝘧𝘧𝘪𝘤𝘪𝘦𝘯𝘵 𝘣𝘢𝘯𝘬𝘴 𝘵𝘩𝘢𝘵 𝘤𝘢𝘯 𝘧𝘪𝘯𝘢𝘯𝘤𝘦 𝘣𝘶𝘴𝘪𝘯𝘦𝘴𝘴𝘦𝘴, 𝘴𝘶𝘱𝘱𝘰𝘳𝘵 𝘪𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵 𝘢𝘯𝘥 𝘤𝘰𝘯𝘵𝘳𝘪𝘣𝘶𝘵𝘦 𝘵𝘰 𝘌𝘶𝘳𝘰𝘱𝘦’𝘴 𝘧𝘶𝘵𝘶𝘳𝘦.” The EBA is contributing to this agenda through its simplification and efficiency work, including reducing reporting burdens, strengthening proportionality and streamlining the Single Rulebook. Completing the Single Market will also be key to enabling European banks to scale up, innovate and compete effectively. #EBA #Banking #Competitiveness #FinancialStability #SingleMarket #EU

⛵️ Teamwork looks different on the water, but the principles remain the same. This weekend, six colleagues from the European Banking Authority (EBA) took to the waves in Portorož, Slovenia, to participate in the 9th EU Agencies Regatta, joining crews from across the EU agencies for a day of competition, collaboration and great team spirit. 🌊 Whether navigating financial challenges or sailing conditions, success depends on trust, coordination and the ability to work together towards a common goal. A big congratulations to our crew for representing the EBA and a warm thank you to the organisers for bringing colleagues from across the EU family together for this fantastic event. 👏 Fair winds until next year! ⛵️ #EBA #TeamEBA #EUAgencies #Teamwork #Sailing #Collaboration #OneEU

📰 In an interview with Die Presse, EBA Chair François-Louis Michaud discusses the future of European banking and the conditions needed to strengthen its competitiveness. "𝙎𝙪𝙥𝙚𝙧𝙫𝙞𝙨𝙤𝙧𝙮 𝙧𝙪𝙡𝙚𝙨 𝙨𝙝𝙤𝙪𝙡𝙙 𝙣𝙤𝙩 𝙨𝙪𝙗𝙨𝙞𝙙𝙞𝙨𝙚 𝙥𝙤𝙤𝙧 𝙗𝙪𝙨𝙞𝙣𝙚𝙨𝙨 𝙢𝙤𝙙𝙚𝙡𝙨." As Europe faces geopolitical uncertainty, rapid technological change and growing investment needs, the challenge is clear: preserving the resilience built over the past decade while creating the conditions for banks to innovate, grow and support the real economy. The discussion touches on: ✅ Competitiveness, resilience and simplification ✅ Digital transformation, AI and cyber risk ✅ European financial integration ✅ The future of banking supervision The EBA's view is clear: a competitive banking sector requires efficient regulation, strong supervision and sound business models. 📄 Read the interview (𝑠𝑢𝑏𝑠𝑐𝑟𝑖𝑝𝑡𝑖𝑜𝑛 𝑟𝑒𝑞𝑢𝑖𝑟𝑒𝑑): https://lnkd.in/emEx5_ti Many thanks to Madlen Stottmeyer and Die Presse for the discussion. #EBA #Banking #Competitiveness #FinancialStability #Simplification #BankingSupervision #AI #DigitalFinance #Europe #FinancialServices