EBA report on supervisory convergence

The European Banking Authority (EBA) has published its 2025 report on supervisory convergence highlighting ongoing progress in aligning supervisory practices across the EU. The report forms part of the EBA's mandate under its Founding Regulation to enhance supervisory convergence across the internal market, and covers prudential supervision, resolution, consumer protection, digital finance and anti-money laundering and countering the financing of terrorism (AML/CTF) supervision. While progress was made in 2025, the EBA identified a number of gaps and challenges, particularly through its European Supervisory Examination Programme.

In prudential supervision, although institutions progressed in transitioning to Basel III under the Capital Requirements Regulation (CRR3), challenges remain in data quality and interpretation of new requirements. Separately, divergences were identified in P2R, particularly for concentration and interest rate risks, while P2G methodologies showed improving alignment yet remained uneven across jurisdictions.

In digital operational resilience, gaps persist in third party risk governance and automation of controls.

In resolution, challenges continue in the operational ability to deliver valuation data within short timelines, documentation completeness, governance and data-quality assurance, as well as the operationalisation and mobilisation of liquidity and collateral.

The report also highlights ongoing weaknesses in AML/CTF supervision and coordination, risks arising under MiCAR and gaps in the integration of ESG risks into supervisory frameworks.

Looking ahead, the EBA will focus on implementing Basel III reforms, advancing resolution testing frameworks, and strengthening supervision under DORA and MiCAR.