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….
On 20 February 2026 the Basel Committee on Banking Supervision published Working Paper No 47, a 35-page literature review titled “Literature review on non-maturity deposit stability: established factors and recent developments”. Non-maturity deposit stability is the question of how reliably sight deposits, current accounts and savings balances stay put when a bank comes under stress,…
On 18 May 2026 the Prudential Regulation Authority sent a Dear CEO letter to the chief executives of UK banks and designated investment firms, reaffirming where the line sits between a deposit and everything that only looks like one. The PRA Dear CEO letter on innovations in the use of deposits, e-money and stablecoins, signed…
On 26 June 2026 the ECB announced a review of roughly 130 of its banking supervision publications, and in mid-July it followed through on the part that touches every capital and liquidity team: an updated ECB clarification on ICAAPs and ILAAPs and respective package submissions, alongside an updated version of the ECB Guide to the…
Every spring, a Luxembourg reporting team assembles a document that no COREP or FINREP template captures: the institution’s own account of whether it holds enough capital and enough liquidity to survive the risks it actually runs. That account is the ICAAP and ILAAP file, and in Luxembourg its rules sit in Circular CSSF 07/301. The…
Every summer a reporting team somewhere builds its data roadmap around the wrong supervisory priorities, then spends the following cycle explaining the gap. The EBA supervisory convergence report is the document that lets you avoid that. Published on 29 June 2026 as EBA/REP/2025/16, the 2025 edition sets out where prudential supervisors across the EU actually…
The rulebook your ICAAP package, your ILAAP submission and your Pillar 2 reconciliation were written against is being repealed. On 26 June 2026 the European Banking Authority published its revised SREP guidelines (EBA/GL/2026/06), and from 1 January 2027 they replace both the existing SREP guidelines (EBA/GL/2022/03) and the standalone guidelines on ICT risk assessment under…
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…