The European Banking Authority (EBA) released its 2025 Report on supervisory convergence, highlighting progress and areas for further alignment to support a simpler, more efficient EU prudential framework.
The European Banking Authority (EBA) has published its 2025 Report on supervisory convergence as part of its efforts to promote a more efficient, streamlined, and effective EU prudential framework.
The report emphasizes ongoing progress in aligning supervisory practices across the European Union (EU) and identifies areas requiring further convergence. It demonstrates how strong and consistent supervision can simplify regulations, reduce complexity, and ensure a level playing field within the Single Market.
The report covers all areas of the EBA’s mandate, including prudential supervision, resolution, consumer protection, digital finance, and anti-money laundering and countering the financing of terrorism (AML/CFT) until the end of 2025. It provides a transparent overview of convergence achievements in practice.
In 2025, the EBA promoted a consistent, risk-based, and forward-looking supervisory approach, strengthening common practices, enhancing risk assessment methods, and supporting major regulatory reforms.
Key developments include:
Supervisory convergence was further supported through peer reviews, Q&As, breach investigations, and extensive training. In 2025, the EBA delivered 25 training courses to over 2,900 participants to enhance supervisory expertise and promote best practices across the EU.
Looking ahead to 2026, the EBA will focus on implementing Basel III reforms, advancing resolution testing, strengthening oversight under DORA, and enhancing supervision under MiCA to support financial stability and a level playing field in the EU Single Market.
This publication is part of the EBA’s “Simplifying to strengthen” campaign, aimed at improving the efficiency and transparency of the EU regulatory framework, in line with recommendations from its Task Force on Efficiency and its October 2025 report.
