SRB resolvability assessment of banking union banks in 2025

The Single Resolution Board (SRB) has published its fourth annual assessment of banks' resolvability across the Banking Union. The report finds continued progress across all resolvability dimensions, with banks strengthening key capabilities in liquidity and funding in resolution, management information systems, data provision, and separability. Having completed the implementation phase of its Expectations for Banks framework, in 2025 the SRB's focus shifted towards the full operationalisation and testing of resolvability capabilities. While most banks are close to meeting expectations, some gaps remain, particularly in areas subject to recently enhanced guidance, such as valuation, separability and communication. The report also highlights improvements to the SRB's assessment methodology to improve the consistency, transparency and comparability of assessments. Looking ahead, the SRB will continue to focus on the capacity to operationalise resolvability capabilities and testing, including through a new multi-annual testing framework for 2026-2028. Priorities for 2026 include the effective implementation of updated operational guidance including on valuation, separability and transferability, and business reorganisation.

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