On 29 June 2026, the European Banking Authority (EBA) issued its 2025 report on supervisory convergence.

​The EBA is required to publish a report each year on the degree of convergence of the supervisory review processes pursuant to Article 107(2) of the Capital Requirements Directive IV.

The report focuses on the implementation of the EBA’s 2025 European Supervisory Examination Programme (ESEP) in three core areas:

  • Resilience testing amid macroeconomic uncertainties, where supervisors evaluated banks’ capital and liquidity planning but encountered challenges in forward-looking scenario integration and data limitations.
  • Digital operational resilience, where advancements were made in ICT risk management and Digital Operational Resilience Act (DORA) compliance, though gaps remained in third-party risk governance and automation of controls.
  • Transitioning to Basel III/Capital Requirements Regulation 3 (CRR3), where institutions demonstrated preparatory progress but faced hurdles in data quality and interpretation of new regulatory requirements.

Key developments

​The report notes the following key developments in 2025:

  • ​Prudential supervision: The 2025 ESEP advanced work on resilience testing, digital operational resilience for the implementation of Basel III and the CRR3.
  • Resolution and crisis management: Authorities made further progress in bail-in readiness, liquidity planning, and improving valuation data capabilities, enhancing preparedness for potential crises.
  • Digital finance: The EBA supported the rollout of the Markets in Crypto-Assets Regulation (MiCA) and the DORA, while strengthening supervisory capacity to address data quality issues, ICT dependencies and emerging technological risks.
  • Consumer protection and anti-money laundering (AML): Efforts included the development of a new EU-wide payment fraud database and initiatives to combat scams. Cooperation within AML colleges was also reinforced, improving cross-border coordination.

Next steps

​In 2026, the EBA will continue to deepen convergence efforts, with a particular focus on:

  • ​Implementation of Basel III reforms.
  • ​Advancing resolution testing frameworks.
  • ​Strengthening oversight under DORA.
  • ​Enhancing supervision under MiCA.