November 2025

• 28 November 2025Bank of SpainSubgobernadora. Viernes de transición. El agua como activo estratégico y riesgo financiero
• 28 November 2025ECBPatrick Montagner: Supervision in uncertain times: vigilance, governance and the case for effective supervision
• 28 November 2025ECBEurosystem to invite payment service providers to participate in digital euro pilot
• 28 November 2025ECBFrom headlines to hard data: mapping the uneven impact of geopolitical risk in Europe
• 28 November 2025ESMAStatement to support the smooth implementation of MiCA standards and format
• 27 November 2025Bank of SpainIndicadores sobre cambio climático
• 27 November 2025Bank of SpainLa muestra anual de la Central de Balances confirma la evolución favorable de la situación económica de las empresas en 2024
• 27 November 2025ECBMeeting of 29-30 October 2025
• 26 November 2025CNMVLa CNMV autoriza a SECURITIZE como sistema de negociación y liquidación (SNL) basado en tecnología de registros distribuidos (TRD)
• 26 November 2025CNMVLa CNMV ha autorizado la oferta pública voluntaria de adquisición de acciones de Aedas formulada por Neinor
• 26 November 2025CNMVAlerta sobre estafas amorosas o afectivas
• 26 November 2025Bank of Spain2546. Investment Irreversibility in a Granular World
• 26 November 2025ECBLuis de Guindos: Financial Stability Review - November 2025
• 26 November 2025ECBFinancial stability vulnerabilities remain elevated given uncertainty over geoeconomic trends and tariffs impact
• 26 November 2025ECBProcyclicality and leverage of euro area UCITS hedge funds: an unhealthy mix
• 26 November 2025ECBUS dollar activities of European banks: business models and financial stability implications
• 26 November 2025ECBThe role of household investors in market downturns
• 26 November 2025ECBFrom localised shocks to systemic risks: the hidden threat of rolling recessions
• 26 November 2025ECBWhat safe haven after the April US tariff announcement? Implications for euro area financial stability
• 26 November 2025ECBFinancial Stability Review, November 2025
• 26 November 2025ESMAOpinion on the product intervention measures relating to turbos proposed by the German BaFin
• 26 November 2025EBAEBA Peer Review finds most reviewed supervisors effectively implement gender diversity policies in management bodies
• 26 November 2025EBAThe EBA publishes its Q2 2025 Dashboard on the minimum requirement for own funds and eligible liabilities
• 26 November 2025EBAPeer review on Gender Diversity
• 26 November 2025EBAMREL Dashboard - Q2 2025
• 26 November 2025EIOPAEIOPA Techsprint maps out innovative ways to boost pension outcomes for groups at risk of pension shortfalls
• 26 November 2025EIOPAEIOPA Pensions Techsprint 2025 - Post-event Report
• 25 November 2025Bank of SpainExposición 'Alegorías de un porvenir'
• 25 November 2025Bank of SpainGobernador. VIII Foro Banca: “Simplificación regulatoria y supervisora: hacia un sistema financiero europeo más competitivo y resiliente”
• 25 November 2025Bank of SpainFiscal drag in theory and in practice: A European perspective
• 25 November 2025ECBPatrick Montagner: Europe’s demographic shift: what could it mean for banking supervision?
• 25 November 2025ECBPiero Cipollone: Tokenisation and the future of finance: the role of central bank money
• 25 November 2025ECBSystemic risks in linkages between banks and the non-bank financial sector
• 25 November 2025EBAThe EBA releases the final technical package for its 4.2 reporting framework to ensure compliance with EU regulatory reporting obligations and to conclude the transition to DPM 2.0
• 25 November 2025EBAConversion file instructions
• 24 November 2025Bank of Spain2544. From risk to buffer: Calibrating the positive neutral CCyB rate
• 24 November 2025ECBChristine Lagarde: The transformative power of AI: Europe’s moment to act
• 24 November 2025ECBPiero Cipollone: Central bank money for the digital era: Our strategy in response to digitalisation and fragmentation
• 24 November 2025ECBStablecoins on the rise: still small in the euro area, but spillover risks loom
• 24 November 2025EBAJosé Manuel Campa interview with El Mundo: For Member States to be the worst enemy of the single market is unacceptable
• 22 November 2025ECBChristine Lagarde: Fiscal policy and growth in Europe
• 21 November 2025CNMVLa intermediación financiera no bancaria (IFNB) crece en España, pero mantiene un perfil de riesgo bajo
• 21 November 2025Bank of SpainGobernador. XXVIII Conferencia Anual del Banco Central de Chile
• 21 November 2025ECBPedro Machado: Fireside chat
• 21 November 2025ECBTIBER-EU guide - How to implement the TIBER-EU framework for the DORA TLPT of significant institutions
• 21 November 2025ECBDecisions taken by the Governing Council of the ECB (in addition to decisions setting interest rates)
• 21 November 2025ECBChristine Lagarde: From resilience to strength: unleashing Europe’s domestic market
• 21 November 2025ESMAVerena Ross' Keynote speech at the Financial Services Ireland Annual Dinner, 20 November 2025
• 21 November 2025EBAAI Act: implications for the EU banking and payments sector
• 20 November 2025Bank of SpainAvanzando hacia el futuro de nuestro dinero: el euro digital
• 20 November 2025Bank of SpainFiscal Announcements and Households’ Beliefs: Evidence from the Euro Area
• 20 November 2025Bank of SpainReglamento de Ejecución (UE) 2025/2338 de la Comisión, de 20 de noviembre de 2025, por el que se modifica el Reglamento de Ejecución (UE) 2016/100 de la Comisión, por el que se establecen normas técnicas de aplicación para especificar el proceso de decisión conjunta por lo que respecta a la solicitud de determinadas autorizaciones prudenciales de conformidad con el Reglamento (UE) n.º 575/2013 del Parlamento Europeo y del Consejo (DOUE de 21)
• 20 November 2025ECBInterview with Maria Luís Albuquerque, Commissioner for Financial Services and the Savings and Investments Union
• 20 November 2025ECBAI’s impact on banking: use cases for credit scoring and fraud detection
• 20 November 2025ECBOn-site insights: good practices for CRE bullet loan lenders
• 20 November 2025ECBUnlocking private investment and boosting productivity with EU programmes
• 20 November 2025ECBEurosystem moves forward on work to connect TIPS with India’s Unified Payments Interface and with Nexus Global Payments
• 20 November 2025ECBThe complex linkages between euro area insurers and sovereign bond markets
• 20 November 2025ESMAESMA response to IFRS IC TAD IFRS 18 Classification FX difference
• 20 November 2025EBAA rationale of the PD floor under the IRB framework
• 20 November 2025EBAEBA Chair letter to Mr Berrigan and Mr Viola on outcome of EBA’s AI Act mapping exercise
• 19 November 2025CNMVNuevo comunicado de la CNMV y del ICAC para guiar a las empresas en la información de sostenibilidad hasta que la Directiva CSRD sea transpuesta en España
• 19 November 2025Bank of Spain2542. Natural disasters, economic activity, and property insurance: evidence from weekly U.S. state-level data
• 19 November 2025ECBClaudia Buch: The evidence is in: resilient banks build Europe’s growth on solid ground
• 19 November 2025ECBECB appoints three Directors General for banking supervision
• 19 November 2025ECBInforming the positive neutral countercyclical capital buffer using stress test data
• 19 November 2025ECBA framework to assess the severity of adverse scenarios in EU-wide stress tests
• 19 November 2025ECBIntegrating climate risk into the 2025 EU-wide stress test: the effects of climate risks for firms
• 19 November 2025ECBIntegrating contagion risk into the 2025 EU-wide stress test: a system-wide analysis with amplification effects between banks and non-banks
• 19 November 2025ECBSimulating dynamic balance sheet reactions and macroprudential policy using the 2025 EU-wide stress test
• 19 November 2025ECBBeyond the single bank: macroprudential insights from the 2025 EU-wide stress test and its extensions
• 19 November 2025ECBLuis de Guindos: Stress testing at the ECB: mastering risk analyses and impact assessments with top-down models
• 19 November 2025ECBECB appoints three Directors General for banking supervision
• 19 November 2025ESMAVerena Ross' Keynote speech at the ECSDA Conference, 18 November 2025
• 19 November 2025ESMANo changes for Data Reporting Services Providers following ESMA’s 2025 assessment of derogation criteria
• 18 November 2025CNMVLa CNMV inicia el proceso de revisión del Código de Buen Gobierno de las sociedades cotizadas
• 18 November 2025CNMVJornada de Gobierno Corporativo PWC
• 18 November 2025CNMVII Congreso del Instituto de Gobernanza Empresarial
• 18 November 2025ECBAnneli Tuominen: Improving banks’ resilience to hybrid threats
• 18 November 2025ECBClaudia Buch: Introductory statement
• 18 November 2025ECBSupervisory priorities 2026-28
• 18 November 2025ECBECB keeps capital requirements broadly stable for 2026 amid persisting global challenge
• 18 November 2025ECBAggregated results of the 2025 SREP
• 18 November 2025ECBInternal governance and risk management SREP methodology
• 18 November 2025ECBBusiness model assessment SREP methodology
• 18 November 2025ECBSupervisory methodology 2025
• 18 November 2025ECBSREP methodology for assessing capital adequacy
• 18 November 2025ESMAThe European Supervisory Authorities designate critical ICT third-party providers under the Digital Operational Resilience Act
• 18 November 2025ESMANatasha Cazenave’s mandate as ESMA Executive Director renewed
• 18 November 2025EBAThe European Supervisory Authorities designate critical ICT third-party providers under the Digital Operational Resilience Act
• 18 November 2025EBAJM Campa introductory remarks at the ECON hearing November 2025
• 18 November 2025EIOPAEuropean Supervisory Authorities designate critical ICT third-party providers under the Digital Operational Resilience Act
• 17 November 2025CNMVApertura del plazo de recepción de expresiones de interés para la propuesta de administración concursal de la entidad Urbas Grupo Financiero, S.A.
• 17 November 2025Bank of SpainSubgobernadora. Conference on Diversity, Equity and Inclusion in Economics, Finance, and Central Banking
• 17 November 2025ECBPiero Cipollone: The digital euro: a collective step forward for Europe
• 17 November 2025ECBPhilip R. Lane: The monetary policy of the European Central Bank
• 17 November 2025ECBECB reviews risk control framework for monetary policy credit operations
• 17 November 2025ECBLuis de Guindos: Financial stability in the euro area
• 17 November 2025ESMAESMA's activities snapshot 1 October 2024 – 31 October 2025 | ECON annual hearing annex
• 17 November 2025ESMAVerena Ross' Opening Statement - 2025 ECON Annual Hearing, 17 November 2025
• 17 November 2025ESMAPeer Review on the supervision of depositary obligations
• 17 November 2025ESMAESMA identifies measures to further enhance depositary supervision
• 17 November 2025EBAIntroductory statement by the EBA Chairperson José Manuel Campa at the annual hearing of the Committee on Economic and Monetary Affairs (ECON) of the European Parliament
• 17 November 2025EIOPAStatement to the Economic and Monetary Affairs Committee of the European Parliament - November 2025
• 17 November 2025EIOPAStatement by Petra Hielkema, Chairperson of the Joint Committee of the ESAs at the annual hearing of the ECON Committee
• 17 November 2025EIOPAEIOPA submits technical standards on new macroprudential requirements following the Solvency II review
• 17 November 2025EIOPAFinal Report on draft RTS on liquidity risk management plans - Solvency II Review
• 17 November 2025EIOPAFinal Report on draft RTS on macroprudential analyses in ORSA and PPP
• 15 November 2025ECBIsabel Schnabel: Towards a new Eurosystem balance sheet
• 14 November 2025Bank of SpainReglamento de Ejecución (UE) 2025/2303 de la Comisión, de 14 de noviembre de 2025, por el que se establecen normas técnicas de ejecución en relación con los procedimientos, modelos de formularios y plantillas para la notificación de información a efectos de los planes de resolución para las entidades de crédito y las empresas de servicios de inversión, de conformidad con la Directiva 2014/59/UE del Parlamento Europeo y del Consejo, y por el que se deroga el Reglamento de Ejecución (UE) 2018/1624 de la Comisión (DOUE de 10 de diciembre)
• 14 November 2025ECBFrank Elderson: Resilient banks through effective supervision: a pillar of Europe’s competitiveness
• 14 November 2025ECBFrank Elderson: Resilient banks through effective supervision: a pillar of Europe’s competitiveness
• 13 November 2025Bank of SpainInforme de Estabilidad Financiera. Otoño 2025
• 13 November 2025Bank of SpainD.G. Estabilidad Financiera, Regulación y Resolución. Presentación del Informe de Estabilidad Financiera
• 13 November 2025Bank of Spain2524. A literature review on ex-ante and ex-post analysis of the implications of borrower-based macroprudential measures
• 13 November 2025Bank of SpainDecisión (UE) 2025/2375 del Consejo, de 13 de noviembre de 2025, por la que se modifica la Decisión 1999/70/CE relativa a los auditores externos de los bancos centrales nacionales, por lo que respecta al auditor externo del Suomen Pankki (DOUE de 24)
• 13 November 2025ECBClaudia Buch: Global banking, global risks: how banks and supervisors can navigate a complex environment
• 13 November 2025ECBExploring EU-UK trade and investment four years after Brexit
• 13 November 2025ECBEconomic Bulletin Issue 7, 2025
• 13 November 2025ECBNot all prices disinflate alike: disentangling the dynamics of sticky and flexible-price items
• 13 November 2025ECBAnd yet we move: evidence on job-to-job transitions in the euro area
• 12 November 2025CNMVV Foro Empresarial ESG – El Economista
• 12 November 2025Bank of SpainEl efectivo sigue siendo el medio de pago principal en los establecimientos físicos, aunque su uso continúa disminuyendo en favor de los dispositivos móviles
• 12 November 2025ECBWritten overview for the exchange of views of the Chair of the Supervisory Board of the ECB with the Eurogroup on 12 Nocember 2025
• 12 November 2025ECBCar demand in the euro area through the lens of the ECB Consumer Expectations Survey
• 12 November 2025ECBThe heterogenous transmission of monetary policy to household credit
• 12 November 2025ECBThe 2021-23 high inflation episode and inequality: insights from the Consumer Expectations Survey
• 12 November 2025EBAThe EBA consults on Guidelines on supervisory independence
• 12 November 2025EBAThe EBA supports the NGFS Declaration on the economic cost of climate inaction on the occasion of COP30
• 12 November 2025EBAConsultation paper on draft Guidelines on supervisory independence
• 11 November 2025Bank of SpainGobernador. PIMEC . Reunión con la Junta Directiva
• 11 November 2025Bank of SpainEl tamaño sí importa. El reto del crecimiento de las empresas españolas
• 11 November 2025ECBFrank Elderson: Interview with Expansión
• 11 November 2025ECBShifts in OPEC+ behaviour and downside risks to oil prices
• 11 November 2025ECBChina’s growing trade surplus: why exports are surging as imports stall
• 11 November 2025ECBFrank Elderson: Interview with Expansión
• 10 November 2025ECBECB imposes periodic penalty payments on ABANCA for failing to sufficiently identify climate risks
• 10 November 2025ECBClimate performance matters for bank credit in the euro area
• 10 November 2025ECBHitting record highs: unpacking support for the euro
• 10 November 2025ECBMonetary policy transmission through cross-selling banks
• 10 November 2025ECBLuis de Guindos: Interview with Diário de Notícias
• 10 November 2025ESMAVerena Ross' Keynote speech at the 11th International Financial Markets Conference, 7 November 2025
• 7 November 2025CNMVConsulta previa del proyecto de Guía Técnica sobre el control interno en las gestoras de vehículos cerrados
• 7 November 2025Bank of SpainEl Banco de España y Bizum firman un convenio para el suministro de información sobre operaciones de pago
• 7 November 2025ECBCredit Ratings: How the ECB strives to properly account for climate risks
• 7 November 2025ECBCollateral easing in non-standard times: a review of the role of Additional Credit Claims in the Eurosystem collateral framework
• 7 November 2025ESMANatasha Cazenave's speech at the EFAMA Investment Management Forum, 6 November 2025
• 7 November 2025EBAThe EBA calls on financial and non-financial counterparties using an initial margin model based on ISDA SIMM to seek authorisation through their competent authorities
• 7 November 2025EBABSG response to consultation on draft revised Guidelines on internal governance
• 6 November 2025Bank of SpainEl Banco de España lanza un programa piloto de orientación a la ciudadanía sobre finanzas personales en València
• 6 November 2025Bank of SpainLa Biblioteca del Banco de España organiza una exposición para homenajear al impresor Joaquín Ibarra
• 6 November 2025Bank of SpainD.G. Conducta Financiera y Billetes. Servicio presencial de orientación al ciudadano sobre finanzas personales. Proyecto piloto sucursal de València
• 6 November 2025Bank of Spain¿Qué impacto tienen los conflictos bélicos en el comercio internacional?
• 6 November 2025Bank of Spain77. Historia de la supervisión bancaria en España
• 6 November 2025Bank of SpainComunicación de la Comisión sobre la interpretación y aplicación de determinadas disposiciones jurídicas del Reglamento sobre los bonos verdes europeos (C/2025/5885)(DOUE de 6 de noviembre de 2025)
• 6 November 2025ECBPhilip R. Lane: Contribution to policy panel - A world in transition: Are we ready to adapt?
• 6 November 2025ECBMonetary policy transmission: a reference guide through ESCB models and empirical benchmarks
• 6 November 2025ECBIsabel Schnabel: Towards a new Eurosystem balance sheet
• 6 November 2025ESMAReport on total costs of investing in UCITS and AIFs
• 6 November 2025ESMAESMA finds that distribution costs account for almost half of the total costs paid to invest in UCITS
• 6 November 2025EBACompetent authorities have made progress in their approaches to the supervision of CVA risk
• 6 November 2025EBAThe EBA updates the information disclosed by EU Competent Authorities according to the supervisory disclosure exercises for Q4 2024
• 6 November 2025EBAFollow-up Peer Review Report on the exclusion from the CVA risk of transactions with non-financial counterparties established in a third country
• 5 November 2025Bank of SpainLa UPV concede un Premio de Investigación a la tecnología Neurocash para el diseño de billetes
• 5 November 2025EBAThe EBA publishes its final Guidelines on environmental scenario analysis
• 5 November 2025EBAGuidelines on environmental scenario analysis
• 5 November 2025EIOPAEIOPA supports the NGFS Declaration on the Economic Cost of Climate Inaction
• 4 November 2025Bank of SpainLas empresas perciben que el acceso a la financiación bancaria ha seguido mejorando en el tercer trimestre de 2025, aunque de forma más moderada
• 4 November 2025Bank of SpainGobernador. Santander Conferencia Internacional de Banca 2025. "La urgencia del crecimiento"
• 4 November 2025Bank of Spain2541. The Origins of Top Firms
• 4 November 2025Bank of SpainRecomendación de la Junta Europea de Riesgo Sistémico, de 4 de noviembre de 2025, por la que se modifica la Recomendación JERS/2015/2 sobre la determinación de los efectos transfronterizos y la reciprocidad voluntaria de las medidas de política macroprudencial (JERS/2025/10) (DOUE de 3 de diciembre)
• 4 November 2025ECBECB sanctions LHV for misreporting capital requirements
• 4 November 2025ECBLove at second sight: support for the euro before and after adoption
• 4 November 2025ECBChristine Lagarde: Bulgaria on the euro’s doorstep: towards a shared future
• 4 November 2025ESMAConsolidated Q&A on the SFDR
• 4 November 2025EBAThe EBA updates mapping and signposting tools to reflect latest changes in Pillar 3 and supervisory reporting frameworks
• 3 November 2025Bank of SpainDiversifying sovereign risk in the Euro area: empirical analysis of different policy proposals
• 3 November 2025Bank of SpainResolución de 3 de noviembre de 2025, del Banco de España, por la que se publican los índices y tipos de referencia aplicables para el cálculo del valor de mercado en la compensación por riesgo de tipo de interés de los préstamos hipotecarios, así como para el cálculo del diferencial que se ha de aplicar para la obtención del valor de mercado de los préstamos o créditos que se cancelan anticipadamente (BOE de 7)
• 3 November 2025ECBPhilip R. Lane: The euro area outlook and monetary policy
• 3 November 2025EBA2025 10 31 Letter to Mr Berrigan on Submission of the CfA on market share of subsidiaries of third country banking groups in the EU
• 3 November 2025EBA2025 10 22 Letter to Mr Berrigan re EBA Response to the EC request to study the funding structure
• 3 November 2025EBAThe EBA consults on Guidelines on authorisation of third country branches under the Capital Requirements Directive
• 3 November 2025EBAThe market share of EU subsidiaries of third country banking groups remains stable at 9.8% of total assets
• 3 November 2025EBAReport on CfA on the market share of subsidiaries of third country banking groups in the EU
• 3 November 2025EBAReport on EU banks funding structure and their dependence on fx funding
• 3 November 2025EBAConsultation Paper on draft Guidelines on authorisation of third country branches
• 3 November 2025EIOPAEuropean Insurance Overview Report 2025
• 3 November 2025EIOPAIRSG own initiative paper: The application of the Insurance Distribution Directive (IDD)

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