Jurisdiction(s):
European Union

EU financial services update: EBA RTS on real estate risk weights; EIOPA IRRD consultations and Solvency II volatility adjustment; BRRD resolution reporting ITS; ESMA management body principles (10 December 2025)

Published on: 10 December 2025

Published by a LexisNexis EU Law expert

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Article summary

EU financial services developments EBA publishes RTS on factors assessing the appropriateness of real estate risk weights

The European Banking Authority (EBA) has issued the final draft of its amending regulatory technical standards (RTS), outlining the types of factors that national authorities should consider when judging the appropriateness of real estate risk weights. This update is prompted by the revised Capital Requirements Regulation (CRR3), which grants the EBA a new mandate in relation to the Standardised Approach of credit risk. After reviewing the CRR3 amendments to the treatment of exposures secured by immovable property under the Standardised Approach of credit risk, the sole change to the existing RTS is to refresh the pertinent legal references so they align with the new banking framework. The original RTS also addressed a separate mandate under the IRB on the appropriateness of minimum loss given default (LGD) values for retail exposures secured by immovable property. To promote simplification and regulatory consistency, the EBA is therefore proposing to bring the RTS legal references under the IRB into alignment with CRR3...

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