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The EBA's Q4 2024 Risk Dashboard shows EU/EEA banks maintaining strong performance. Return on equity rose to 10.5%, and return on assets reached 0.73%. Net interest margin declined slightly, but total income grew due to higher net fee and commission income. Loans to households and businesses increased, while cash balances fell. Non-performing loans decreased, except for commercial real estate. The CET1 ratio remained at 16.0%, reflecting strong capitalization. Liquidity and funding ratios stayed well above requirements. The loan-to-deposit ratio declined as deposits grew faster than loans. Overall, the banking sector remained stable and resilient.

The EBA published final draft ITS amending rules for internal model authorization under CRR, reflecting the EU Banking Package. Key changes include removing the use of internal models for operational risk (deleting AMA references) and updating references to supervisory college regulations. These ITS are based on CRR III amendments.

The EBA launched a consultation on four draft Regulatory Technical Standards for the EU's new AML/CFT regime, running until June 6, 2025. The RTSs cover AMLA's supervision criteria, ML/TF risk assessment methodology, customer due diligence requirements, and sanctions/administrative measures. These standards aim to harmonize and strengthen AML/CFT compliance across the EU.

The European Commission’s new proposals aim to simplify EU rules, reduce administrative burdens by 25% (35% for SMEs), and boost competitiveness. Targeting sustainable finance, due diligence, and carbon mechanisms, they could save €6.3 billion annually and unlock €50 billion in investments, fostering growth while supporting climate goals.

La Banque de France et l’ACPR soutiennent la relance du marché européen de la titrisation pour financer les transitions écologique et digitale. Elles appellent à une simplification réglementaire tout en maintenant la sécurité. Un cadre optimisé libérerait des financements bancaires et élargirait les opportunités d’investissement, favorisant une croissance durable.

« Le règlement européen sur la résilience opérationnelle numérique du secteur financier (DORA) établit un cadre commun pour la gestion des risques liés aux technologies de l'information et de la communication (TIC). Il définit des règles en matière de cyber-sécurité et de gestion des risques informatiques qui s’appliquent à un grand nombre d’entités financières. »

The EBA report found ESG data is improving but still incomplete. Upcoming regulations like CSRD and ESRS, plus greater transparency in ESG ratings, are expected to significantly enhance data availability and accessibility.

EIOPA issued guidance to harmonize supervisory approaches to insurers’ foreseeable dividend deductions. It acknowledges different methods—annual full deduction, quarterly accrued, and post-approval deduction. While supporting the quarterly approach, EIOPA sees annual full deduction as viable in stable environments. The guidance aims to enhance supervisory convergence amid the Solvency II review.

The EU's Digital Services Act and Corporate Sustainability Due Diligence Directive both require large companies to implement internal risk management systems. This approach, however, strengthens corporate power by minimizing regulatory costs, reinforcing technocratic solutions, and enabling corporations to evade responsibility for negative social impacts by framing them as external risks. This procedural focus hinders effective enforcement.

The EBA published final draft ITS for a Pillar 3 data hub, centralizing prudential disclosures. It outlines IT solutions, data formats, and validations. A transition period runs from June to December 2025. A pilot exercise informed the final ITS, with onboarding details expected by Q1 2025.