On 29 December 2026, the European Banking Authority (EBA) published a draft of its 2027-2029 Single Programming Document (SPD), which sets out the EBA’s planning of activities and corresponding resource requirements at a three-year horizon.

The EBA explains in the SPD that it will be focusing on three priorities in 2027-2029 namely, evolving its rulebook so that it contributes to an efficient, resilient and sustainable single market for banking and financial services; carrying out risk assessments to adequately support the effective risk analysis, supervision and oversight and lastly tackling and embracing innovation to enhance the technological capacity of all stakeholders.

The SPD has three main sections, which set out the following:

  • Section 1: General Context: This section describes the general context within which the EBA will be operating. For example, the EBA, in support of the European Commission’s simplification agenda, will aim to streamline financial regulation and supervision. While complementing the implementation of the legislative files, the EBA will reflect in its rulebook the European approach to artificial intelligence, introducing safeguards to the functioning of markets, the public sector, people’s safety and fundamental rights.
  • Section 2: Multi-Annual Programming (2027-2029): EBA’s multiannual programming for 2027-2029 notes, among other things, that the EBA will continue in 2027-2029 with the full implementation of new rules, both adopted as well as those under negotiation. Over this period, the EBA will concentrate it work on three core pillars: (i) evolving the EU single rulebook to support an efficient, resilient and sustainable financial market; (ii) strengthening risk assessment and supervisory methodologies; and (iii) enhancing technological innovation. The EBA’s work will also grow in nine main areas including the sequencing of the Capital Requirements Directive, stress testing, ESG monitoring frameworks and support the European Commission in the context of the European Union’s enlargement.
  • Section 3: Annual Work Programme 2027: The SPD identifies the EBA’s strategic priorities in 2027 that underpin its priorities for 2027-2029. Areas of focus in 2027 include advancing the single rulebook, enhancing risk assessment capabilities, supervisory convergence, supervision and oversight, technological capacity,  use of data, and consumer protection.