Prudential reporting covers the regulatory submissions banks make to demonstrate capital adequacy, liquidity, and risk management to the EBA, ECB, PRA, and other competent authorities. This section explains the core templates and frameworks – COREP for capital, FINREP for financial reporting, LCR and NSFR for liquidity, large exposures, IRRBB, and Pillar 3 disclosures. You’ll also find practical guides to ICAAP/ILAAP, MREL, the CRR3 changes landing in 2026, and ongoing EBA reporting framework updates (4.x DPM packages). Articles are aimed at reporting teams at banks and credit institutions, with step-by-step explanations of what to file, when, and what supervisors actually look for. Start with the COREP reporting guide or the FINREP guide if you’re new to prudential reporting.
On 3 September 2026, the Australian Prudential Regulation Authority (APRA) imposed licence conditions on ING Bank Australia Limited (ING Australia), raised the bank’s minimum liquidity requirement and applied a $50 million operational risk capital add-on. The trigger was a multi-year overstatement of the bank’s Liquidity Coverage Ratio (LCR). ING Australia had been reporting an LCR…
On 1 September 2026 Norges Bank published Circular 3/2026, and from 1 October 2026 it sets the reserve quotas that decide how much of each counterparty bank’s overnight deposit at the central bank earns the key policy rate. Deposits up to a bank’s quota are remunerated at the policy rate. Anything above the quota earns…
On 28 August 2026, Finansinspektionen (FI) published the Swedish bank capital requirements it discloses each quarter, this time as of the end of the second quarter of 2026 (FI Ref. 26-1525). The memorandum covers Sweden’s three major banks, Handelsbanken, SEB and Swedbank, plus seven other institutions in supervisory categories 1 and 2. Most quarters this…
On 2 June 2026 the Basel Committee on Banking Supervision published a range-of-practices report on information and communication technology (ICT) risk management. It draws on a survey of 16 jurisdictions and centres on how global and domestic systemically important banks handle the technology failures that take critical services offline. The Basel Committee ICT risk management…
The ECB IT Risk Questionnaire (ITRQ) is where a significant institution puts a number on its own ICT risk before its Joint Supervisory Team does. Every bank under direct ECB supervision completes the workbook once a year, scoring its inherent ICT risk and the maturity of the controls that mitigate it. The 2026 questionnaire covers…
On 26 August 2026 the European Banking Authority opened a four-month consultation on draft Regulatory Technical Standards that will spell out, article by article, the operational risk management framework every institution subject to the Capital Requirements Regulation has to run. The mandate sits in Article 323(2) of Regulation (EU) No 575/2013 (the CRR), as amended…
On 25 August 2026, the Reserve Bank of Australia set out how far along it is on what it calls the road to ample. In a Sydney speech, the RBA’s Head of Domestic Markets, David Jacobs, described the central bank’s transition to an RBA ample reserves framework, a demand-driven regime for supplying the Exchange Settlement…
On 25 August 2026 the European Banking Authority opened a three-month consultation on the mechanics of investment firm reclassification into credit institutions. Meeting an Article 8a(1) threshold triggers an application for credit institution authorisation; it does not itself complete the reclassification, and Article 8a(2) CRD permits the undertaking to continue the relevant activities until authorisation…
On 21 August 2026 the Banque centrale du Luxembourg published its Financial Stability Review 2026, the central bank’s annual read on the systemic risks running through the Grand Duchy’s banks, insurers and investment funds. The BCL Financial Stability Review 2026 was closed editorially on 12 June 2026, and the most recent figures in it are…
On 18 August 2026, APRA imposed licence conditions on Bendigo and Adelaide Bank Limited over what it described as longstanding and pervasive weaknesses in the bank’s non-financial risk management framework. The action is worth reading closely by every Australian authorised deposit-taking institution, because APRA reached for a power that sits underneath the banking authority itself…