The 2026 European Resolution Examination Programme (EREP) priorities were published in the European Banking Authority’s (EBA) work programme on 1 October 2025. The EBA recommends that resolution authorities in the EU continue their development activities for the smooth operationalisation and execution of resolution tools, including, among others, banks’ management information systems and resolvability testing.
Resolution authorities are expected to consider potential impacts and implications of emerging challenges, such as cyber risks, geopolitical risks, or natural disasters. The resolution authorities are also expected to continue the work on operationalisation of liquidity and funding strategies in resolution. The resolution authorities, including the Finnish Financial Stability Authority (FFSA), report to the EBA on how the set priorities have been advanced.
The FFSA will take into account the EBA’s recommendations when setting out the 2026 resolution priorities.
EBA’s assessment of the implementation work of the 2024 resolution priorities
In parallel, the EBA published also their report on the implementation and progress of the EU wide priorities in 2024. The EBA assesses that during 2024 significant progress was made in operationalising resolution tools, particularly the bail-in mechanism in cross-border resolution situations.
The EBA further highlights the continuous work regarding improved coordination among authorities and stakeholders, enhanced management information systems in banks, and on-going efforts to address challenges in data quality and the legal recognition of bail-in actions.
Enhancing supervisory convergence in the EU as a goal
The EBA is mandated to contribute to enhancing supervisory convergence and building consistent supervisory practices in the EU. This includes resolution planning.
The EREP is one of the tools that the EBA uses to promote convergence and it aims at giving resolution authorities across Europe a unified set of priorities and promote convergence in their efforts. The EREP is prepared in parallel with the European Supervisory Examination Programme (ESEP), which focuses on common EU-wide priorities for banking supervision. The findings of these two programmes are published annually. In previous years, the EBA published the resolution priorities, including their assessment separately.
Overall, the 2024 convergence report details the EBA’s efforts to strengthen the alignment of supervisory approaches across EU Member States and across all dimensions of its activities: prudential, resolution, consumer protection, digital finance and, until the end of 2025, anti-money laundering/countering the financing of terrorism.
The EBA will further deepen its focus on supervisory outcomes to ensure consistent and robust supervision across the EU.
Further information:
Anni-Mari Karvinen, Head of Resolution Unit firstname.lastname(at)rahoitusvakausvirasto.fi
For more information on current FFSA news and events, visit the FFSA’s website.
