The European Banking Authority (EBA) has released two significant updates affecting banks. These involve an update to the final draft implementing technical standards on resolution planning reporting and a proposed amendment concerning real estate risk-weights. The consultation period for these technical standards ends on May 30, 2025.

The updated standards for resolution planning reporting aim to improve data usability by incorporating recent developments in crisis preparedness. Compared to the previous version of the standards (Regulation 2018/1624), about 1,500 new data points have been added. Of these, approximately 1,440 are already reported by institutions under the Single Resolution Board's supervision. The measures focus on proportionality and simplification in reporting through:

- Reducing parallel data collections mandated by different authorities.

- Implementing a modular core-plus-supplement approach that lessens reporting obligations based on entity size and complexity.

- Eliminating duplicated data points with MREL/TLAC, CoRep, and FinRep when such data is already submitted.

The new framework is set to be operational in 2026, with the first reference date being December 31, 2025. A technical package including a data point model (DPM), validation rules, and taxonomy will be published in Q4 2025 to assist institutions in submitting information to resolution authorities. The final updated standard is expected by Q3 2025. Reporting submissions are divided into two modules: one covering organizational structure and liability data due March 31 annually; another focusing on critical functions and Financial Market Infrastructures due April 30.

Additionally, the EBA is consulting on amending regulatory technical standards for assessing real estate risk-weight appropriateness secured by immovable property. These amendments follow changes introduced in CRR3 regarding real estate exposures.

Published on April 30, 2025, the consultation paper suggests maintaining existing factors specified under Article 1 of Delegated Regulation (EU) 2023/206 while aligning legal references with CRR3 changes. Notably, amended Article 164 introduces "LGD input floor values" at individual exposure levels instead of portfolio-level minimum LGD values. EBA aims to deliver its final report on these draft standards by January 10, 2026.

These developments underscore efforts to enhance resilience within Europe's banking sector. Improved resolution plan reporting offers better tools for managing potential bank failures while refined real estate risk-weight approaches ensure capital requirements accurately reflect asset risks.