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Disclosing information to investors


The EBA works extensively on a disclosure framework

applicable to all EU banks, which defines the common

methodology for issuing and reporting the information.

Through harmonised disclosure, institutions make

available to the public essential data on their capital

positions, shedding light on their health.

A transparent and reliable single market where every-

one discloses the same information in the same man-

ner boosts the confidence of potential investors, who

can see for themselves the true picture regarding the

health of EU banks. This confidence provides in turn

the conditions for EU banks to efficiently deliver on

their core purpose of supporting the real economy by

providing finance to EU citizens and businesses.

The SREP framework

The SREP framework allows supervisors within the EU to assess

risk profiles of institutions, their risk management, control and

governance arrangements, business models, capital and liquidity


The outcomes of this assessment can lead to the application of

supervisory measures or early intervention measures to address

any shortcomings. This common SREP framework aims to increase

the consistency of supervisory practices and outcomes in the banking

sector across the EU. It also provides a solid foundation for the

work of supervisory colleges in their annual joint risk assessments

and in reaching joint decisions on institution-specific prudential


Through the SREP framework, the EBA provides a fundamental tool

to prevent inconsistencies in how supervisors across various Member

States may undertake their reviews and apply supervisory measures.

This prevents any inconsistencies in supervisory conclusions when risk

and measures for EU banks are assessed.