The European Banking Authority has published Part 1 of its 2025 Annual Report, setting out its main achievements under its work programme. The report says the EBA focused in 2025 on simplifying and improving the efficiency of the EU regulatory and supervisory framework while taking on a broader supervisory role, especially under the Digital Operational Resilience Act and the Markets in Crypto-Assets Regulation. It also points to the 2025 EU-wide stress test as confirmation that EU and European Economic Area banks remained resilient, with capital ratios staying above minimum requirements even under a severe adverse scenario. The main policy work included delivery of key elements of the Basel III reforms and further refinement of requirements across credit, market and operational risk, alongside targeted adjustments to environmental, social and governance disclosure timelines and support for wider legislative files including PSD3 and the Payment Services Regulation, the Central Securities Depositories Regulation and the Securitisation Package. The EBA also highlighted 21 recommendations issued in October 2025 to simplify the supervisory and regulatory framework, some of which do not require legislative change and are due to be delivered in 2026. On data and sustainability, it launched the Pillar 3 Data Hub, expanded the European Data Access Portal and published its first ESG Risk Dashboard while preparing a regular climate stress testing framework. On digital finance, 19 critical third-party information and communication technology providers were designated under DORA with the EBA as lead overseer, and the authority finalised supervisory procedures under MiCA for issuers of significant asset-referenced tokens and e-money tokens. The report also cites work on consumer protection, including implementation support for the Instant Payments Regulation, publication of a Consumer Trends Report, crypto-asset and digital fraud awareness campaigns, and support for the transition to the new EU anti-money laundering framework. A consolidated version of the 2025 annual report is due by the end of June 2026. That edition will add a fuller account of delivery against the work programme as well as details on the EBA's budget, staff policy plan, management and internal control systems.
European Banking Authority2026-06-16
European Banking Authority publishes 2025 annual report highlighting rulebook simplification and expanded DORA and MiCA supervision
The European Banking Authority's 2025 Annual Report says its work centred on simplifying the EU rulebook and expanding direct supervisory responsibilities under DORA and MiCA. It highlights Basel III implementation, launch of the Pillar 3 Data Hub, publication of the first ESG Risk Dashboard and designation of 19 critical ICT third-party providers under DORA. The report also says the 2025 EU-wide stress test confirmed the resilience of EU and European Economic Area banks.