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EBA Credit Risk Consultation 2026

Geschrieben von Andreea Pop am . Veröffentlicht in Allgemein.

EBA Credit Risk Consultation 2026: Simplification or Strategic Complexity?

The EBA consultation is more than a technical update. It reshapes how credit risk, compliance and AML interact.
The key question: real simplification – or new complexity?

I. Key Timeline

April 2026

Internal finalisation

Coordination between Risk, Compliance and IT

Preparation

05 May 2026

Internal deadline

Final submission of institutional feedback

Critical deadline

10 May 2026

Consultation closes

End of official EBA consultation phase

Final step

Key takeaway: If internal alignment is not completed by end of April, you lose strategic influence.

II. Responsibilities & Duties

C-suite

Strategic responsibility

Focus: Organisation & efficiency

Ensure proper governance (§ 25a KWG) and reduce operational complexity.

Compliance

Rulebook control

Focus: Regulatory alignment

Update internal policies and avoid regulatory gaps.

MLRO / AML

Data integrity

Focus: KYC consistency

Align AML risk data with credit risk definitions.

III. Key Risks

C-suite

Organisational liability

Risk of inadequate governance and resource allocation.

Compliance

Rulebook gaps

Outdated policies during transition → audit findings.

AML

KYC blind spots

Loss of critical data due to credit process simplification.

Critical insight: “Simplification” often increases interpretation risk – and therefore liability.

IV. Action Plan

Phase 1

Analysis & Governance

  • Set up cross-functional task force
  • Perform gap analysis
  • Assess RWA impact
Phase 2

Operational Safeguarding

  • KYC & AML data validation
  • Align internal policies
Phase 3

Strategic Influence

  • Submit structured feedback
  • Engage with supervisors

Source


EBA Consultation – Official Publication

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