EBA proposes holistic simplifications to EU bank capital framework
EBA proposed simplifications to the EU bank capital framework and published its 2025 Annual Report.
The EBA put forward a holistic package to simplify the EU bank capital framework aimed at improving efficiency, alongside its 2025 Annual Report. Banks should evaluate which CRR/CRD requirements are likely to be streamlined and how this interacts with Basel 3.1 implementation.
Capital framework simplification could reduce compliance cost but reshape RWA and reporting expectations.
Action Required
Assess impact of proposed capital framework simplifications on RWA, reporting and Pillar 3 disclosures.
Capital rules are core to bank strategy; EBA-led simplification has system-wide implications.
Engage finance and treasury to scope impact of EBA simplification proposals on capital planning, reporting and disclosures.
“EBA proposes simplifications to the EU bank capital framework in a holistic manner to strengthen its efficiency; EBA publishes its 2025 Annual Report.”
Published: 2026-06-16