EBA_2014_01050000_PT_TRA.pdf

The program of work for the European Banking Authority (EBA) in 2015 is focused on several key areas:

1. Financial Stability: The EBA will continue to monitor and assess financial stability risks, particularly in the context of the European Union's (EU) economic recovery.
2. Supervision: The EBA will further develop its supervisory role by implementing new risk-based approaches, enhancing cooperation with national supervisors, and strengthening its capacity for crisis management.
3. Banking Regulation: The EBA will continue to contribute to the development of EU banking regulation, including the implementation of Basel III standards, and will ensure that these regulations are effective and proportionate.
4. Consumer Protection: The EBA will promote consumer protection by developing guidelines and recommendations on financial products and services, as well as ensuring that consumers have access to information about financial services.
5. Crisis Management: The EBA will continue to develop its crisis management capabilities, including the implementation of a new risk-based approach to crisis resolution.
6. International Cooperation: The EBA will strengthen international cooperation with other global authorities, such as the Financial Stability Board (FSB), the Basel Committee on Banking Supervision (BCBS), and the International Organization of Securities Commissions (IOSCO).
7. Research and Analysis: The EBA will continue to conduct research and analysis on financial stability risks, banking regulation, and consumer protection, with a focus on developing new methodologies and tools.
8. Communication: The EBA will enhance its communication with stakeholders, including financial institutions, consumers, and policymakers, through various channels such as publications, workshops, and conferences.

The EBA has also identified some key challenges for the year 2015, including:

1. Implementing the Capital Requirements Directive (CRD) IV and the Capital Requirements Regulation (CRR), which will require significant changes to banking regulations.
2. Developing a new risk-based approach to crisis resolution.
3. Enhancing cooperation with national supervisors.
4. Strengthening international cooperation on financial stability risks.

Overall, the EBA's program of work for 2015 is focused on promoting financial stability, strengthening supervision, and enhancing consumer protection in the EU banking sector.