The EBA ensures effective and consistent regulation and supervision across the European banking sector.

• Risk Management: Implements frameworks for mitigating systemic risks.
• Supervisory Reporting: Mandates detailed reporting of financial and operational metrics.
• Consumer Protection: Enforces standards for fair treatment of customers.

Established in 2011, the EBA has issued guidelines and technical standards to harmonize banking practices across the EU.

• Financial Penalties: Institutions may face fines for breaches.
• Operational Risks: Increased scrutiny and corrective actions.
• Reputational Damage: Loss of trust among consumers and partners.

• Market Stability: Enhances confidence in the European banking system.
• Regulatory Alignment: Demonstrates adherence to EU standards.
• Competitive Advantage: Builds trust through compliance and transparency.