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NorwayFinanstilsynet

EBA consults on simpler college decisions on bank capital and liquidity

EBA proposes targeted amendments to align the college joint-decision process with current practice after CRD V and revised SREP guidelines. Comments due 4 January 2027.

By Taxxa AI OyPublished 14 October 2026

Financial Sector & Markets

Industry: Other monetary intermediation

The European Banking Authority (EBA) has opened a consultation on targeted amendments to the implementing technical standards (ITS) that govern how supervisory colleges reach joint decisions on institution-specific capital and liquidity requirementsEuropa under Article 113 of the Capital Requirements Directive (CRD)Finanstilsynet. Finanstilsynet published the Norwegian hearing notice, with a consultation deadline of 4 January 2027Finanstilsynet, and points respondents to the hearing note and further information on EBA's website.

The standards under review were first adopted in 2014Finanstilsynet as Commission Implementing Regulation (EU) No 710/2014Finanstilsynet. They lay down the conditions of application for the joint decision process for institution-specific prudential requirementsEuropa under Directive 2013/36/EU. In substance they regulate the supervisors' own workflow: efficient exchange of appropriate information is described as essential for reaching a joint decision on the adequacy of own funds, the supervisory measures relating to liquidity supervision, and the level of liquidity and capital requirements applied to each institution of a group and the group itself.

The current framework is heavily procedural. It defines each step of the joint risk assessment and the reaching of the joint decision, introduces common templates for communicating supervisory review and evaluation (SREP) findings, and establishes common templates for the group risk assessment report and the group liquidity risk assessment report that anchor the colleges' discussions. It requires the consolidating supervisor to share all relevant information needed for individual risk assessments and the capital and liquidity joint decisions, provides for dialogue between the competent authorities before risk assessment reports and joint decisions are finalised, and sets standards for communicating the fully reasoned joint decision and monitoring its implementation. It also covers the process where no joint decision is reached, including the timeline for decisions taken in the absence of agreement and the communication of their details.

EBA's proposal aims to simplify that processFinanstilsynet and bring it into line with current supervisory practiceFinanstilsynet. According to Finanstilsynet's notice, the amendments reflect developments in the regulatory and supervisory framework since 2014Finanstilsynet, including the changes that followed from CRD V and the revised EBA guidelines for the Supervisory Review and Evaluation Process (SREP)Finanstilsynet, and build on more than ten years of experience from supervisory colleges. The revision forms part of EBA's broader work on simplifying and making supervision more efficientFinanstilsynet, as described in EBA's October 2025 report on the effectiveness of the regulatory and supervisory framework.

For groups supervised through colleges under Article 113, the outcome will shape how group capital and liquidity requirements are decided. The hearing note and further information are available on EBA's website, and comments can be submitted before 4 January 2027Finanstilsynet.

Legal basis: Article 113 of Directive 2013/36/EU (CRD)Europa and Commission Implementing Regulation (EU) No 710/2014Europa.

Review the hearing note on the EBA website and submit comments by 4 January 2027 if the business is covered by a supervisory college under CRD Article 113.

Sources