Sustainable conformity with EBA requirements

EBA Ongoing Compliance

Secure the long-term conformity of your financial institution with the complex requirements of the European Banking Authority (EBA) through our comprehensive ongoing compliance approach.

  • 01Continuous adherence to EBA requirements through systematic monitoring
  • 02Proactive adaptation to regulatory changes and new EBA guidelines
  • 03Reduced compliance risk through automated controls and early warning systems
  • 04Optimised resource utilisation through efficient compliance processes
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11+Years of experience
120+Employees
540+Projects
ISO 27001certified

EBA Ongoing Compliance

Continuous adherence to EBA guidelines, regulatory technical standards (RTS) and implementing technical standards (ITS) requires systematic monitoring and proactive change management. Since 2024, the EBA publishes over 30 new or updated guidelines annually – from ESG risk management and DORA requirements to revised governance standards (EBA/GL/2021/05). Without structured ongoing compliance, regulatory deadlines are missed and SREP assessments deteriorate.

Our EBA Ongoing Compliance service covers continuous monitoring of EBA regulatory developments, structured gap analyses for new guidelines, implementation of compliance controls and preparation for supervisory examinations. We support credit institutions in implementing EBA/GL/2021/05 (governance), the ESG risk guidelines (mandatory from 2026) and DORA-related EBA requirements.

2 service modules

Service scope

01

EBA Compliance Governance & Monitoring

We establish solid governance structures and automated monitoring systems that ensure continuous conformity with EBA requirements, identify risks at an early stage and signal the need for action.

  • Development of a tailored EBA compliance governance framework
  • Implementation of automated compliance monitoring systems for EBA regulations
  • Establishment of clear responsibilities and escalation paths
  • Integration of KPI-based EBA compliance reporting
02

EBA Regulatory Change Management

We implement proactive processes for identifying, assessing and implementing EBA regulations and guidelines that protect your institution from regulatory surprises and minimise adaptation effort.

  • Establishment of a regulatory early warning system for EBA publications
  • Development of structured impact analysis processes for new EBA requirements
  • Implementation of standardised change management procedures for EBA regulations
  • Integration of stakeholder management and communication for regulatory changes

5 phases

Our Approach

We follow a structured and proven approach to implementing sustainable EBA Ongoing Compliance structures that ensure long-term regulatory conformity.

  1. Comprehensive analysis of existing EBA compliance structures and processes

  2. Development of a tailored EBA compliance governance framework

  3. Implementation of automated monitoring and control mechanisms for EBA requirements

  4. Establishment of proactive regulatory change management for EBA guidelines

  5. Integration of EBA-specific training and continuous process optimisation

Your contact

Melanie Düring

Head of Risk Management

+49 69 913 113-01 info@advisori.de
Sustainable adherence to EBA requirements is not a one-time project, but a continuous process that must be integrated into the DNA of the financial institution. Our ongoing compliance approach creates the structures, processes and cultural prerequisites for this integration and enables our clients not only to fulfil regulatory requirements, but to use them as a strategic advantage. The combination of automated monitoring, proactive change management and an integrated control system not only reduces compliance risks, but also significantly optimises resource deployment.
ADVISORI expert opinion

Our Strengths

  • 01Extensive experience with EBA guidelines and supervisory examinations in Germany
  • 02Combination of regulatory know-how and operational implementation capability
  • 03Structured methodology for regulatory change management and gap analyses
  • 04Proven track record of improving SREP outcomes through compliance enhancements

Expert Tip

Establish a Regulatory Change Management Office that systematically captures, assesses and converts EBA publications into implementation plans. Institutions that proactively track regulatory changes through EBA consultation phases reduce implementation effort at entry into force by up to 60% and significantly minimise supervisory findings in the SREP.

Further reading

7 QUESTIONS, BRIEFLY ANSWERED

Frequently asked questions about EBA Ongoing Compliance

Which EBA guidelines must credit institutions continuously monitor?

Credit institutions must continuously monitor all relevant EBA guidelines, regulatory technical standards (RTS) and implementing technical standards (ITS). The most important include the governance guidelines (EBA/GL/2021/05), outsourcing guidelines, ESG risk guidelines (mandatory from January 2026 for large institutions), guidelines on loan origination and monitoring, and DORA-related ICT standards. The EBA publishes over 30 new or updated regulatory documents annually, all of which must be assessed for relevance and implemented where applicable.

How does regulatory change management work for EBA requirements?

Regulatory change management for EBA requirements comprises four stages: (1) Monitoring – systematic capture of new EBA consultations, guidelines and standards through official EBA channels and industry trackers. (2) Relevance assessment – evaluation of which new requirements affect the institution, based on business model and proportionality principle. (3) Gap analysis – comparison of new requirements with current state and identification of action items. (4) Implementation planning – creation of an action plan with deadlines, responsibilities and resources. Institutions that start this process proactively from the consultation phase significantly reduce implementation effort when requirements enter into force.

What does the supervisor examine in the SREP regarding EBA compliance?

In the SREP (Supervisory Review and Evaluation Process), the supervisor examines compliance with relevant EBA guidelines and standards. Core areas include: implementation of the governance guidelines (EBA/GL/2021/05), the internal capital adequacy assessment process (ICAAP) and internal liquidity adequacy assessment process (ILAAP), compliance with outsourcing guidelines, implementation of remediation items from previous examinations, and adaptation to new regulatory requirements. Structured ongoing compliance ensures all examination areas are documented and up to date.

What deadlines apply to new EBA guidelines?

EBA guidelines typically follow this timeline: consultation phase (3 months), evaluation and finalisation (3–12 months), publication with implementation deadline (usually 6–12 months after publication). Specific current deadlines: ESG risk guidelines – January 2026 for large institutions, January 2027 for smaller ones. Revised governance guidelines (CRD VI adaptation) – expected 2027. CRR III / CRD VI package – phased implementation from January 2025. National competent authorities publish comply-or-explain statements for each EBA guideline.

How does EBA ongoing compliance differ from initial implementation?

Initial implementation of an EBA guideline is a one-time project with defined scope and deadline. EBA ongoing compliance, by contrast, is a continuous process ensuring that (1) existing implementations remain current and do not erode through organisational changes, (2) new or updated EBA requirements are identified and implemented in time, (3) the effectiveness of compliance measures is regularly reviewed, and (4) documentation is kept examination-ready. Without ongoing compliance, initial implementations typically become outdated within 12–18 months.

What role does the EBA play in DORA and ESG regulation?

The EBA plays a central role in shaping DORA (Digital Operational Resilience Act) and ESG regulation. In the DORA area, the EBA develops regulatory technical standards jointly with the other ESAs for ICT risk management, incident reporting and the information register for ICT third-party providers. In the ESG area, the EBA has published guidelines on ESG risk management applicable from January 2026 for large institutions. Both areas require ongoing monitoring as the EBA continuously publishes new specifications, Q&As and implementation guidance.

How can EBA compliance monitoring be automated?

EBA compliance monitoring can be automated in several areas: (1) Regulatory monitoring – automatic capture of new EBA publications via RSS feeds and API interfaces from the EBA website. (2) Gap tracking – specialised legal change management tools filter relevant changes by institution. (3) Control testing – automated sampling and threshold checks within the ICS. (4) Reporting – automatic generation of compliance dashboards with status per guideline. Automation reduces manual effort for the compliance team and increases responsiveness to regulatory changes.