The European Banking Authority (EBA) has published its 2025 Annual Report, outlining its main achievements and activities in delivering on its mandates under its Work Programme. In 2025, the EBA focused on streamlining and improving the efficiency of the EU regulatory framework while expanding its supervisory role, particularly under the Digital Operational Resilience Act (DORA) and Markets in Crypto-Assets Regulation (MiCA).
Notable achievements and activities featured in the Report include:
Strengthening a simpler and more efficient Single Rulebook
The EBA made substantial progress in enhancing both the simplicity and efficiency of the EU Single Rulebook. This included delivering key elements of the Basel III reforms, while refining and clarifying requirements across core risk areas such as credit risk, market risk and operational risk.
The Authority also contributed to making the broader regulatory framework more effective and proportionate. This included targeted adjustments to environmental, social and governance (ESG) disclosure timelines and continued support to major legislative initiatives, notably the revised Payment Services Directive and Payment Services Regulation (PSD3/PSR), the Central Securities Depositories Regulation (CSDR) and the Securitisation Package.
Finally, the EBA made 21 recommendations in October 2025 for simplifying and improving the efficiency of the EU supervisory and regulatory framework, including a number of initiatives which do not require legislative change, and which will be delivered in the course of 2026.
Banking system resilience confirmed
Its 2025 EU-wide stress test published on 1 August 2025 confirmed the resilience of banks across the European Union and the European Economic Area (EU/EEA), demonstrating their capacity to maintain capital ratios above minimum regulatory requirements even under severe adverse scenarios.
Driving data integration and ESG analytics
Significant progress was achieved in data modernisation. The EBA launched a Pillar 3 Data Hub, thus creating a centralised platform for prudential disclosures across hundreds of banks, and further expanded the European Data Access Portal (EDAP).
The Authority also strengthened its analytical capabilities on sustainability risks, publishing its first ESG Risk Dashboard and advancing preparations for a regular climate stress testing framework.
Expanded supervisory role in digital finance
Under DORA and MiCA, the EBA assumed new supervisory responsibilities and established the necessary governance structures, methodologies and joint examination frameworks.
Nineteen third-party providers of critical information and communication technology (ICT) to the EU financial system were designated under DORA, with the EBA being their lead overseer. Under MiCA, the EBA finalised supervisory procedures for issuers of significant asset-referenced tokens and e-money tokens, marking a key step in the oversight of crypto-asset markets.
Enhancing consumer protection and supervisory convergence
Against a background of buoyant financial innovation, consumer protection remained a priority in 2025. The EBA supported the implementation of the Instant Payments Regulation, published its Consumer Trends Report and launched awareness campaigns on risks related to crypto-assets and digital finance fraud.
The Authority also strengthened supervisory convergence across the EU through peer reviews, training initiatives and enhanced cooperation with EU institutions and international partners.
Source: EBA
