The European Banking Authority has published its 2027 Work Programme, setting 251 deliverables across policy, supervision, risk analysis, data and operations under three themes: resilience, efficiency and transformation. Priorities include completing most remaining work on the 2024 banking package, preparing to implement the revised payment services framework, supporting crisis management and deposit insurance reforms, and reducing unnecessary regulatory and reporting burdens. The programme also begins a broader shift toward more data-driven regulation, supervision of emerging risks and shared services for supervisory and resolution authorities. The EBA will give greater weight to assessing how rules are implemented through a new risk-based supervisory convergence framework. It will run the 2027 EU-wide stress test with 55% fewer data points than in 2025 and a climate module covering transition risk and river flooding. Digital work will include oversight of 19 critical information and communication technology providers under the Digital Operational Resilience Act, supervision of significant crypto-asset tokens under the Markets in Crypto-Assets Regulation and validation of initial margin models under the European Market Infrastructure Regulation. Further work will advance integrated regulatory reporting, data sharing and a common banking data dictionary. The EBA also plans to develop the methodology and structures for EU-wide crisis simulation exercises, with the first exercise scheduled for 2028, while payment services deliverables will depend on adoption of the revised legislative framework expected at the end of 2026.

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