On 25 September 2026 the European Banking Authority opened consultation EBA/CP/2026/19 on draft implementing technical standards that would repeal and replace Commission Implementing Regulation (EU) No 710/2014. That 2014 regulation sets the procedure, timetable and templates supervisors use to reach joint decisions under Article 113 of the Capital Requirements Directive (CRD) for cross-border banking groups….
The European Central Bank has been the sole gatekeeper for banking licences across the euro area since 4 November 2014, and in September 2026 it rewrote the manual for getting one. The revised Guide to licence applications, which replaces the 2019 edition, sets out how ECB banking authorisation works: who has to apply, how a…
On 18 September 2026 the European Banking Authority published EBA/GL/2026/09, its final guidelines on the sound management of third-party risk relating to non-ICT services. The EBA third-party risk guidelines widen the governed perimeter beyond outsourcing, which remains a subset, to non-ICT third-party arrangements within the Guidelines’ defined scope, with particular focus on arrangements supporting critical…
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…
The EBA IRB benchmarking exercise is a supervisory data collection where your bank’s internal-model outputs are benchmarked against defined portfolios, supervisory clusters and peer submissions from the institutions included in the exercise. If your probability of default sits well below the peer range on a corporate portfolio that everyone else prices higher, that gap does…
Open the wrong remuneration file in a Luxembourg fund house and you can lose a week building a return nobody asked for. The CSSF updated its User Guide for remuneration reporting page on 3 June 2026, and the title alone sends fund teams down the wrong road. CSSF remuneration reporting, as that guide defines it,…
An O-SII buffer is the one capital add-on that quietly decides whether your bank can pay a dividend. It sits inside the combined buffer requirement, and the moment your Common Equity Tier 1 ratio falls below that combined requirement, the maximum distributable amount machinery switches on and caps dividends, Additional Tier 1 coupons, and variable…
Your COREP templates are filed on time. Your LCR and NSFR ratios are above the minimum. Your Pillar 3 disclosures are published. Then the CSSF sends a letter asking for your ICAAP/ILAAP documentation as part of the SREP cycle, and the room goes quiet. Because unlike the quantitative reports, ICAAP and ILAAP are not templates…