On 1 October 2025, the European Banking Authority (EBA) published its work programme 2026.
Alongside the work programme, the EBA has published a Report prepared by the Task Force on Efficiency (TFE) composed of Board Supervisor members and EBA staff assessing the efficiency of the EU regulatory and supervisory framework for banks and financial entities.
Overview
The EBA sets out its work under seven overarching activities grouped in three categories:
- Developing a Rulebook for an efficient, resilient, and sustainable market: The EBA will streamline and prioritise Level 2 and 3 regulatory mandates, simplify supervisory frameworks (e.g., own funds, leverage, MREL/TLAC), implement new mandates under the EU Banking Package, Payment Services Directive, Payment Services Regulation and the Financial Data Access Act, and enhance supervisory convergence through peer reviews, Q&As, and support for the Digital Operational Resilience Act and the Regulation in Markets in Crypto-Assets.
- Performing risk assessments with effective tools, data and methodologies: The EBA will prepare for the 2027 EU-wide stress test with improved data and climate risk integration, assess ICT and geopolitical risks, expand oversight of critical third-party providers, evaluate electronic money tokens/asset-referenced tokens and margin models, and aim to cut reporting costs by 25% through harmonised, efficient data frameworks.
- Tackling innovation to enhance technological capacity: The EBA will support the EU AI Act’s implementation, monitor crypto markets including decentralised finance and bank tokens, and strengthen consumer protection by enforcing credit regulations, publishing a report on payment fraud and data on retail risk.