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href="/publications-and-media/events/consultation-regulatory-technical-standards-specify-material-changes-and-extensions-internal-ratings"> <span>Consultation on Regulatory Technical Standards that specify material changes and extensions to the Internal Ratings Based approach </span> </a></h4> </div> <footer class="teaser__actions"> <a class="btn btn-sm btn-primary" href="/form/webform-consultation-17545?source_entity_type=node&source_entity_id=17545">Respond</a> </footer> </article> <article class="teaser teaser--compact teaser--cta"> <div class="teaser__body"> <div class="teaser__metadata"> <span class="link-icon link-icon--flex link-icon--calendar"> 8 JANUARY - 8 APRIL 2025 </span> </div> <h4 class="h6 teaser__title"><a href="/publications-and-media/events/consultation-regulatory-technical-standards-calculation-and-aggregation-crypto-exposure-values"> <span>Consultation on Regulatory Technical Standards on the calculation and aggregation of crypto exposure values</span> </a></h4> 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<section class="tabs"> <h2 class="tabs__title">News & Media</h2> <div class="tabs__items" style="grid-template-columns: repeat(4, 1fr)" data-js-hook="tabs__items"><h3 class="h4 tabs__tab-title" tabindex="0" role="button" aria-controls="tab-panel--85178096-1" aria-expanded="true" data-js-hook="tabs__tab-title">In focus</h3> <div id="tab-panel--85178096-1" aria-hidden="false" class="tabs__tab-panel"> <section class="responsive-grid--horizontal" style="--responsive-grid--cell-min-width: 240px"> <article class="card border-light"> <a class="card__link" href="https://www.eba.europa.eu/publications-and-media/press-releases/eba-launches-its-2025-eu-wide-stress-test"> <div class="card__image"> <img loading="lazy" src="/sites/default/files/styles/card/public/2024-07/stress_test.png?itok=IKRH3dNx" width="420" height="220" alt="Stress test" /> </div> <div class="card-body"> <h3 class="h4 card-title">The EBA launches its 2025 EU-wide stress test </h3> </div> <div class="card-footer border-top-0">January 20, 2025</div> </a> </article> <article class="card border-light"> <a class="card__link" href="https://www.eba.europa.eu/publications-and-media/press-releases/eba-consults-guidelines-esg-scenario-analysis"> <div class="card__image"> <img loading="lazy" src="/sites/default/files/styles/card/public/2024-01/industry_survey_esg_risks_0.png?itok=8aPldqdH" width="420" height="220" alt="industry_survey_esg_risks" /> </div> <div class="card-body"> <h3 class="h4 card-title">The EBA consults on Guidelines on ESG scenario analysis </h3> </div> <div class="card-footer border-top-0">January 16, 2025</div> </a> </article> <article class="card border-light"> <a class="card__link" href="https://www.eba.europa.eu/publications-and-media/press-releases/eueea-banks-profitability-holding-well-despite-declining-net-interest-margin"> <div class="card__image"> <img loading="lazy" src="/sites/default/files/styles/card/public/2024-01/rdb_2023_q3.png?itok=T8KEr5wH" width="420" height="220" alt="rdb_2023_q3" /> </div> <div class="card-body"> <h3 class="h4 card-title">EU/EEA banks’ profitability is holding up well despite declining net interest margin</h3> </div> <div class="card-footer border-top-0">December 18, 2024</div> </a> </article> </section> </div><h3 class="h4 tabs__tab-title" tabindex="0" role="button" aria-controls="tab-panel--85178096-2" aria-expanded="false" data-js-hook="tabs__tab-title">Press releases</h3> <div id="tab-panel--85178096-2" aria-hidden="true" class="tabs__tab-panel"> <div class="field field--name-view field--type-viewsreference field--label-hidden field__item"><div class="views-element-container"><div class="view view-press-releases view-id-press_releases view-display-id-block_1 js-view-dom-id-a6fc5945c0c7895e70f4f9fa1c2fd5d8571d9342c3c79ca9584ac37e543e96a9"> <div class="view-content"> <div> <article class="teaser-columns" data-element="teaser-columns"> <div class="teaser-columns__metadata" data-field="metadata"> <div class="link-icon link-icon--flex link-icon--calendar"> 12 FEBRUARY 2025 </div> </div> <div class="teaser-columns__content"> <h3 class="h5 teaser-columns__title" data-field="title"><a href="/publications-and-media/press-releases/eba-publishes-its-final-draft-technical-standards-implement-centralised-eba-pillar-3-data-hub" rel="bookmark"> <span>The EBA publishes its final draft technical standards to implement a centralised EBA Pillar 3 data hub </span> </a></h3> <div class="teaser-columns__text" data-field="text"> <p><p>The European Banking Authority (EBA) today published its final draft Implementing Technical Standards (ITS) on the Pillar 3 data hub for large and other institutions, which will centralise prudential disclosures by institutions through a single electronic access point on the EBA website. This project is part of the Banking Package laid down in the Capital Requirements Regulation (CRR3) and Capital Requirements Directive (CRD6).</p> </p> </div> </div> </article> </div> <div> <article class="teaser-columns" data-element="teaser-columns"> <div class="teaser-columns__metadata" data-field="metadata"> <div class="link-icon link-icon--flex link-icon--calendar"> 11 FEBRUARY 2025 </div> </div> <div class="teaser-columns__content"> <h3 class="h5 teaser-columns__title" data-field="title"><a href="/publications-and-media/press-releases/eba-amends-its-guidelines-ict-and-security-risk-management-measures-context-dora-application" rel="bookmark"> <span>The EBA amends its Guidelines on ICT and security risk management measures in the context of DORA application</span> </a></h3> <div class="teaser-columns__text" data-field="text"> <p><p>The European Banking Authority (EBA) narrowed down the scope of its existing Guidelines on ICT and security risk management measures, due to the application of harmonised ICT risk management requirements under the Digital Operational Resilience Act (DORA) from 17 January 2025. These amendments aim at simplifying the ICT risk management framework and providing legal clarity to the market.</p> </p> </div> </div> </article> </div> <div> <article class="teaser-columns" data-element="teaser-columns"> <div class="teaser-columns__metadata" data-field="metadata"> <div class="link-icon link-icon--flex link-icon--calendar"> 6 FEBRUARY 2025 </div> </div> <div class="teaser-columns__content"> <h3 class="h5 teaser-columns__title" data-field="title"><a href="/publications-and-media/press-releases/reviewed-supervisors-overall-applied-ebas-recommendations-tax-integrity-and-dividend-arbitrage" rel="bookmark"> <span>Reviewed supervisors overall applied the EBA’s recommendations on tax integrity and dividend arbitrage trading schemes, the EBA Report finds.</span> </a></h3> <div class="teaser-columns__text" data-field="text"> <p><p>The European Banking Authority (EBA) today published a Peer Review assessing the effectiveness and degree of supervisory convergence of issues relating to tax integrity and dividend arbitrage trading schemes following the implementation of its 2020 Action plan on dividend arbitrage trading schemes. The action plan aimed to clarify that supervisors, while not responsible for investigating tax crimes, have responsibility for ensuring that financial institutions have systems and controls in place to manage tax crime risks.</p> </p> </div> </div> </article> </div> <div> <article class="teaser-columns" data-element="teaser-columns"> <div class="teaser-columns__metadata" data-field="metadata"> <div class="link-icon link-icon--flex link-icon--calendar"> 6 FEBRUARY 2025 </div> </div> <div class="teaser-columns__content"> <h3 class="h5 teaser-columns__title" data-field="title"><a href="/publications-and-media/press-releases/eba-reflects-shortmedium-term-objectives-its-interest-rate-risk-banking-book-heatmap" rel="bookmark"> <span>EBA reflects on the short/medium term objectives of its interest rate risk in the banking book Heatmap</span> </a></h3> <div class="teaser-columns__text" data-field="text"> <p><p>The European Banking Authority (EBA) today published a Report on the short to medium term objectives of its interest rate risk in the banking book (IRRBB) Heatmap, including observations and recommendations to institutions and supervisors.</p> </p> </div> </div> </article> </div> <div> <article class="teaser-columns" data-element="teaser-columns"> <div class="teaser-columns__metadata" data-field="metadata"> <div class="link-icon link-icon--flex link-icon--calendar"> 5 FEBRUARY 2025 </div> </div> <div class="teaser-columns__content"> <h3 class="h5 teaser-columns__title" data-field="title"><a href="/publications-and-media/press-releases/eba-issues-opinion-response-european-commissions-proposed-amendments-eba-draft-technical-standards" rel="bookmark"> <span>The EBA issues an Opinion in response to the European Commission’s proposed amendments to the EBA draft technical standards on conflicts of interests for issuers of asset-referenced tokens </span> </a></h3> <div class="teaser-columns__text" data-field="text"> <p><p>The European Banking Authority (EBA) today published an Opinion on the amendments proposed by the European Commission (EC) to the EBA draft Regulatory Technical Standards (RTS) on conflicts of interests for issuers of asset-referenced tokens. The EBA agrees with the substantive changes proposed by the EC, which favour proportionality, as well as with the other amendments which are considered non-substantives.</p> </p> </div> </div> </article> </div> </div> </div> </div> </div> <footer class="text-end"> <a class="link-icon link-icon--primary link-icon--more" href="/publications-and-media/press-releases">View all</a> </footer> </div><h3 class="h4 tabs__tab-title" tabindex="0" role="button" aria-controls="tab-panel--85178096-3" aria-expanded="false" data-js-hook="tabs__tab-title">Speeches</h3> <div id="tab-panel--85178096-3" aria-hidden="true" class="tabs__tab-panel"> <section class="page-stripe"> <div class="page-stripe__inner-container"> <div class="page-stripe__content"> <div class="field field--name-view field--type-viewsreference field--label-hidden field__item"><div class="views-element-container"><div class="view view-dynamic-content-events view-id-dynamic_content_events view-display-id-block_4 js-view-dom-id-39f532b8c4bedefae131b295546d61de6fbcb226ac5551c77ea65bd5b31e5061"> <div class="view-content"> <div> <article class="teaser-columns" data-element="teaser-columns"> <div class="teaser-columns__metadata" data-field="metadata"> <div class="link-icon link-icon--flex link-icon--calendar"> 4 FEBRUARY 2025 </div> </div> <div class="teaser-columns__content"> <h3 class="h5 teaser-columns__title" data-field="title"><a href="/publications-and-media/speeches/jose-manuel-campa-keynote-speech-9th-annual-afore-consulting-fintech-conference" rel="bookmark"> <span> José Manuel Campa keynote speech at the 9th annual AFORE Consulting FinTech conference</span> </a></h3> </div> <footer class="teaser-columns__footer" data-field="footer"> <div class="person"> <div class="person__image"> <img loading="lazy" src="/sites/default/files/styles/avatar/public/2024-06/2023-04-20-eba-142_-_copy.jpg?itok=6xiB7J4y" width="200" height="200" alt="José Manuel Campa_square" /> </div> <div class="person__content"> <p class="person__name">José Manuel Campa</p> <p class="person__role">EBA Chairperson</p> </div> </div> </footer> </article> </div> <div> <article class="teaser-columns" data-element="teaser-columns"> <div class="teaser-columns__metadata" data-field="metadata"> <div class="link-icon link-icon--flex link-icon--calendar"> 5 DECEMBER 2024 </div> </div> <div class="teaser-columns__content"> <h3 class="h5 teaser-columns__title" data-field="title"><a href="/publications-and-media/speeches/jose-manuel-campa-keynote-speech-institute-international-finance-11th-colloquium-european-banking" rel="bookmark"> <span>José Manuel Campa keynote speech at the Institute of International Finance, 11th Colloquium on European Banking Regulation & Supervision</span> </a></h3> </div> <footer class="teaser-columns__footer" data-field="footer"> <div class="person"> <div class="person__image"> <img loading="lazy" src="/sites/default/files/styles/avatar/public/2024-06/2023-04-20-eba-142_-_copy.jpg?itok=6xiB7J4y" width="200" height="200" alt="José Manuel Campa_square" /> </div> <div class="person__content"> <p class="person__name">José Manuel Campa</p> <p class="person__role">EBA Chairperson</p> </div> </div> </footer> </article> </div> <div> <article class="teaser-columns" data-element="teaser-columns"> <div class="teaser-columns__metadata" data-field="metadata"> <div class="link-icon link-icon--flex link-icon--calendar"> 6 NOVEMBER 2024 </div> </div> <div class="teaser-columns__content"> <h3 class="h5 teaser-columns__title" data-field="title"><a href="/publications-and-media/speeches/francois-louis-michauds-opening-speech-13th-eba-annual-policy-research-workshop" rel="bookmark"> <span>François-Louis Michaud's opening speech at the 13th EBA Annual Policy Research Workshop</span> </a></h3> </div> <footer class="teaser-columns__footer" data-field="footer"> <div class="person"> <div class="person__image"> <img loading="lazy" src="/sites/default/files/styles/avatar/public/2023-12/Francois-Louis%20Michaud%20square.jpg?itok=B4DOoG1v" width="200" height="200" alt="Francois-Louis Michaud square" /> </div> <div class="person__content"> <p class="person__name">François-Louis Michaud</p> <p class="person__role">EBA Executive Director</p> </div> </div> </footer> </article> </div> <div> <article class="teaser-columns" data-element="teaser-columns"> <div class="teaser-columns__metadata" data-field="metadata"> <div class="link-icon link-icon--flex link-icon--calendar"> 14 OCTOBER 2024 </div> </div> <div class="teaser-columns__content"> <h3 class="h5 teaser-columns__title" data-field="title"><a href="/publications-and-media/speeches/introductory-statement-eba-chairperson-jose-manuel-campa-annual-hearing-committee-economic-and" rel="bookmark"> <span>Introductory statement by the EBA Chairperson José Manuel Campa at the annual hearing of the Committee on Economic and Monetary Affairs (ECON) of the European Parliament</span> </a></h3> </div> <footer class="teaser-columns__footer" data-field="footer"> <div class="person"> <div class="person__image"> <img loading="lazy" src="/sites/default/files/styles/avatar/public/2024-06/2023-04-20-eba-142_-_copy.jpg?itok=6xiB7J4y" width="200" height="200" alt="José Manuel Campa_square" /> </div> <div class="person__content"> <p class="person__name">José Manuel Campa</p> <p class="person__role">Chair of the EBA</p> </div> </div> </footer> </article> </div> <div> <article class="teaser-columns" data-element="teaser-columns"> <div class="teaser-columns__metadata" data-field="metadata"> <div class="link-icon link-icon--flex link-icon--calendar"> 7 OCTOBER 2024 </div> </div> <div class="teaser-columns__content"> <h3 class="h5 teaser-columns__title" data-field="title"><a href="/publications-and-media/speeches/jose-manuel-campa-keynote-speech-diario-expansion-xv-financial-forum" rel="bookmark"> <span> José Manuel Campa keynote speech at Diario Expansion XV Financial Forum</span> </a></h3> </div> <footer class="teaser-columns__footer" data-field="footer"> <div class="person"> <div class="person__image"> <img loading="lazy" src="/sites/default/files/styles/avatar/public/2023-12/Jose%20Manuel%20Campa_square.jpg?itok=MuXei3-t" width="200" height="200" alt="Jose Manuel Campa_square" /> </div> <div class="person__content"> <p class="person__name">José Manuel Campa</p> <p class="person__role">EBA Chairperson</p> </div> </div> </footer> </article> </div> </div> </div> </div> </div> </div> <footer class="page-stripe__footer-actions"> <a class="link-icon link-icon--primary link-icon--more" href="/publications-and-media/speeches">View all</a> </footer> </div> </section> </div><h3 class="h4 tabs__tab-title" tabindex="0" role="button" aria-controls="tab-panel--85178096-4" aria-expanded="false" data-js-hook="tabs__tab-title">Interviews</h3> <div id="tab-panel--85178096-4" aria-hidden="true" class="tabs__tab-panel"> <section class="page-stripe"> <div class="page-stripe__inner-container"> <div class="page-stripe__content"> <div class="field field--name-view field--type-viewsreference field--label-hidden field__item"><div class="views-element-container"><div class="view view-dynamic-content-events view-id-dynamic_content_events view-display-id-block_3 js-view-dom-id-af310354cbd4970aa4b8b4d660d1147cef2db0536e16dd5b11b6a6935afccf7a"> <div class="view-content"> <div> <article class="teaser-columns" data-element="teaser-columns"> <div class="teaser-columns__metadata" data-field="metadata"> <div class="link-icon link-icon--flex link-icon--calendar"> 13 DECEMBER 2024 </div> <div class="link-icon link-icon--flex link-icon--newspaper"> <b>Revue Banque</b> </div> </div> <div class="teaser-columns__content"> <h3 class="h5 teaser-columns__title" data-field="title"><a href="/publications-and-media/interviews/francois-louis-michauds-interview-revue-banque-if-banks-are-hold-their-role-financial-intermediaries" rel="bookmark"> <span>François-Louis Michaud's interview with Revue Banque: If banks are to hold on to their role as financial intermediaries, they need to retain added value in their information management</span> </a></h3> </div> <footer class="teaser-columns__footer" data-field="footer"> <div class="person"> <div class="person__image"> <img loading="lazy" src="/sites/default/files/styles/avatar/public/2023-12/Francois-Louis%20Michaud%20square.jpg?itok=B4DOoG1v" width="200" height="200" alt="Francois-Louis Michaud square" /> </div> <div class="person__content"> <p class="person__name">François-Louis Michaud</p> <p class="person__role">EBA Executive Director</p> </div> </div> </footer> </article> </div> <div> <article class="teaser-columns" data-element="teaser-columns"> <div class="teaser-columns__metadata" data-field="metadata"> <div class="link-icon link-icon--flex link-icon--calendar"> 11 OCTOBER 2024 </div> <div class="link-icon link-icon--flex link-icon--newspaper"> 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<div class="link-icon link-icon--flex link-icon--calendar"> 26 JULY 2024 </div> <div class="link-icon link-icon--flex link-icon--newspaper"> <b>Časopis Bankovnictví</b> </div> </div> <div class="teaser-columns__content"> <h3 class="h5 teaser-columns__title" data-field="title"><a href="/publications-and-media/interviews/angel-monzon-interview-bankovnictvi-profitability-banking-sector-peaks" rel="bookmark"> <span>Ángel Monzón interview with Bankovnictví: Profitability of the banking sector peaks</span> </a></h3> </div> <footer class="teaser-columns__footer" data-field="footer"> <div class="person"> <div class="person__image"> <img loading="lazy" src="/sites/default/files/styles/avatar/public/2024-09/angel_monzon_2.jpg?itok=uwPiGOtv" width="200" height="200" alt="Angel Monzon" /> </div> <div class="person__content"> <p class="person__name">Ángel Monzón</p> <p class="person__role">Head of the Risk Analysis and Stress Testing Unit</p> </div> </div> </footer> </article> </div> <div> <article 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