EBA consults on revised ITS for joint decisions on institution-specific capital and liquidity requirements under CRD VI

The European Banking Authority (EBA) has launched a consultation on proposed revisions to its implementing technical standards (ITS) governing the joint decision process for institution-specific capital and liquidity requirements under Article 113 of the Capital Requirements Directive 2013/36/EU (CRD), as amended by Directive 2024/1619 (CRD VI). Article 113 of the CRD establishes the framework for joint decisions within supervisory colleges on institution specific prudential requirements for cross border banking groups. Since the ITS were first adopted in 2014, the prudential and supervisory framework has evolved significantly, including through changes introduced by CRD V (Directive (EU) 2019/878), which extended joint decisions to cover Pillar 2 guidance and leverage ratio-related elements. Changes were also introduced by the revised EBA Guidelines on the Supervisory Review and Evaluation Process (SREP). The EBA is proposing a comprehensive revision to streamline the joint decision process, simplify templates and better align the framework with current supervisory practice.

Key proposals include:

• supporting a more holistic and coordinated assessment of institutions' prudential requirements and guidance
• streamlining and simplifying templates, by introducing a single, reduced and integrated risk assessment report
• aligning the joint decision process with the revised SREP framework and current supervisory practices
• more clearly incorporating qualitative supervisory measures into the joint decision process
• updating the scope of joint decisions to include Pillar 2 guidance and leverage ratio-related Pillar 2 requirements and guidance.

The deadline for comments is 4 January 2027.

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