• Chairperson- Andrea Enria
    ChairpersonAndrea Enria
  • Executive Director-Adam Enria
    Executive DirectorAdam Farkas
  • Director of Oversight-Piers Haben


    Director: Piers Haben

    The main task of the Oversight Department is to assess risks and vulnerabilities in the EU banking sector, as well as to foster convergence of supervisory practices in the Single Market. It coordinates the EU-wide stress tests and monitors banking groups and colleges throughout the EU.

    Director of Oversight
    Piers Haben
    • Risk Analysis

      Risk Analysis

      Head of Unit: Mario Quagliariello

      The Risk Analysis Unit is responsible for monitoring market trends and identifying risks and vulnerabilities in the EU banking sector. The Unit's main products include the quarterly Risk Dashboard and the semi-annual Risk Assessment Reports. The Unit is also in charge of developing the methodology for the EU-wide stress test as well as of coordinating the execution of the exercise, which provides a forward-looking and comparable assessment of the major banks across the Single Market. The Unit actively carries out thematic studies on EU banks and leads the annual supervisory benchmarking of banks' internal models. In addition, the Unit is heavily involved in data management for the EBA and is responsible for the entire data flow – from the drafting of supervisory reporting standards to the management of the process for collecting, quality checking and exploiting supervisory data. This includes supporting other Units for data-related issues and cooperating with the European Systemic Risk Board (ESRB), the European Central Bank (ECB), the Basel Committee on Banking Supervision (BCBS), and the Financial Stability Board (FSB). Finally, the Unit is in charge of the EBA transparency strategy, including Pillar 3 assessments and drafting of guidelines as well as the organisation of the EU-wide transparency exercises.

      Mario Quagliariello
    • Supervisory Convergence

      Supervisory Convergence

      Head of Unit: Slavka Eley

      The Supervisory Convergence Unit facilitates supervisory cooperation and convergence between competent supervisory authorities across the EU. This includes enabling the consistent and coherent functioning of supervisory colleges across the Union, ensuring supervisory cooperation through products such as technical standards, guidelines and the Single Supervisory Handbook, as well as settling disagreements between competent authorities. The Unit is also tasked with the monitoring of banking groups and colleges, developing policy on recovery planning and early interventions, and is responsible for assessing the equivalence of third countries with the EU regulatory and supervisory framework.

      Slavka Eley
  • Director of Regulation-Isabelle Vaillant
    Director of Regulation


    Director: Isabelle Vaillant

    The main task of the Regulation Department is to prepare the EBA regulatory products, which includes drafting Technical Standards, Guidelines and Reports. It also coordinates the work related to the Single Rulebook in banking and the EBA Q&A tool, and maintains the EU credit risk register.

    Isabelle Vaillant
    • Capital, and Assets and Liabilities Management

      Capital, and Assets and Liabilities Management

      Head of Unit: Delphine Reymondon

      The main regulatory areas falling under the remit of Capital, and Assets and Liabilities Management Unit are capital, liquidity, leverage ratio, as well as large exposures, accounting and audit, remuneration and corporate governance. The Unit also covers areas relating to shadow banking, structural measures and anti-money laundering. In addition, the Unit coordinates the work related to the Single Rulebook and the Q&A tool that the EBA has developed in order to provide guidance to stakeholders on questions related to the applicable regulatory provisions.

      Delphine Reymondon
    • Credit, Market and Operational Risk Policy

      Credit, Market and Operational Risk Policy

      Head of Unit: Lars Jul Overby

      The main regulatory areas falling under the remit of the Credit, Market and Operational Risk Policy Unit are related to credit risk, market risk, operational risk, securitisation, covered bonds, market infrastructure and matters related to authorisations, qualifying holdings and acquisitions. The Unit also supports the EBA Regulation Department with data analysis, notifications and supervisory disclosure and maintains the EU credit risk register. Particular focus is currently given to the use of internal models, where the Unit develops regulation that defines a clear and harmonised use of internal models for all banking institutions across EU countries.

      Lars Jul Overby
    • Resolution


      Head of Unit: Spyridon Zarkos

      The Resolution Unit fulfils the tasks assigned to the EBA by the EU framework on banking crisis management. This framework, which includes the Bank Recovery and Resolution Directive (BRRD), the Regulation establishing the Single Resolution Mechanism (SRM Regulation), as well as the Deposit Guarantee Schemes Directive (DGSD), is in line with internationally agreed principles, and aims at ensuring that banks can be resolved in an orderly manner while preserving financial stability and protecting depositors' money. In particular, the Unit is responsible for developing regulatory products such as technical standards, guidelines and reports in relation to resolution planning and resolution actions, which will be included in the EU Single Rulebook for banking. Additionally, the Unit is responsible for promoting non-binding cooperation arrangements with third country authorities, in order to ensure proper information sharing and cooperation in the context of cross-border crisis management. The Unit supports EU resolution authorities in the implementation of all relevant Directives, Regulations, technical standards and guidelines. It also provides assistance in the establishment and functioning of resolution colleges and Crisis Management Groups, monitors practices in the Member States, and performs binding and non-binding mediation at the request of the authorities. Finally, the Unit is also following the forthcoming establishment of the recovery and resolution framework for financial institutions other than banks and the impact that such a framework may have on banks.

      Spyridon Zarkos
    • Consumer Protection, Financial Innovation and Payments

      Consumer Protection, Financial Innovation and Payments

      Head of Unit: Dirk Haubrich

      The Consumer Protection, Financial Innovation and Payments Unit at the EBA has the objective to enhance consumer protection, to monitor financial innovation, and to ensure secure, easy and efficient payment services across the EU. Its regulatory remit covers mortgages, personal loans, deposits, payment accounts, payment services, and electronic money. Jointly with representatives from the 28 national authorities, the Unit develops requirements, for example, to mitigate consumer detriment at the pre-sale, point-of-sale and post-sale stages of the interaction between a consumer and a financial institution. The Unit also monitors new financial activities, such as virtual currencies, crowdfunding and contracts for difference.

      Dirk Haubrich
    • Policy Analysis and Coordination

      Policy Analysis and Coordination

      Head of Unit: Philippe Allard

      The Policy Analysis and Coordination Unit provides support to the Banking Stakeholder Group, the Joint Committee of the European Supervisory Authorities and their Board of Appeal. The Unit also performs independent impact assessments supporting the EBA's regulatory proposals and advice. The Unit's activities include (i) provision of support to the main EBA governing bodies, the Board of Supervisors and the Management Board; (ii) support in the planning, prioritising, monitoring, execution and following up of the deliverables stemming from the EBA's work programme; (iii) external coordination with EU institutions and external bodies, such as the European Commission, the Basel Committee on Banking Supervision (BCBS) and International Monetary Fund (IMF); (iv) facilitation of training to EU banking supervisors; and (v) support to the EBA Review Panel and its work on peer reviews.

      Philippe Allard
      • Policy Coordination
      • Impact Assessment
    • Legal


      Head of Unit: Jonathan Overett Somnier

      The Legal Unit provides legal support and input across the full range of the EBA's regulatory, oversight and operational activities. Its tasks involve drafting and advising on technical standards and guidelines, supporting the EBA when it mediates between competent authorities, and advising the EBA's governing bodies. The Unit is responsible for giving advice on institutional, banking and financial law on the basis of the EBA's founding regulation and EU banking legislation. It also leads the EBA's work in investigating potential breaches of Union law by competent authorities.

      Jonathan Overett Somnier
    • Accounting Officer
  • Director of Operations-Peter Mihalik
    Director of Operations


    Director: Peter Mihalik

    The Operations Department is responsible for the day-to-day running of the EBA. This includes delivering digital services that enable the work of the EBA and its internal administration, coordinating communication activities, managing the public website and dealing with financial matters. In addition, it is responsible for recruitment and training of staff as well as the EBA facilities.

    Peter Mihalik
    • Information Technology

      Information Technology

      Head of Unit:

      The Information Technology Unit at the EBA delivers digital services that enable the work of the EBA and its internal administration. The Unit is responsible for providing the EBA, and whenever appropriate other competent authorities and bodies, with high quality and innovative workplace and business IT solutions. It works to deliver reliable, cost-effective and secure infrastructure and information systems, it aligns IT investments with business priorities, and provides training and seminars in advanced technologies to national regulators within the EU.

    • Finance and Procurement

      Finance and Procurement

      Head of Unit: Fergus Power

      The main tasks of the Finance and Procurement Unit are to help establish and acquire the EBA annual budget and to ensure its sound financial management. The primary focus of Procurement is given to the coordination and correct implementation of procedures for the award of public works contracts, public supply contracts and public service contracts. It is the responsibility of the Unit to ensure that the provisions of the applicable financial regulations are respected, to maintain accurate financial records and to preserve the integrity of the budgetary accounting systems.

      Fergus Power
    • Human Resources

      Human Resources

      The Human Resources team at the EBA is responsible for the planning, allocation and recruitment of resources for staff and supports the EBA in each step of the recruitment process from publication of the vacancy notice to the offer of the position. Once staff are recruited, the team provides them with comprehensive induction training and is responsible for the annual appraisal of the performance of staff. The Human Resources team members are also responsible for administration of entitlements, benefits and salaries of staff. In addition, they provide administrative support to ensure work-life balance activities for staff including flexi-time arrangements, and arrange medical care to staff through the EBA's medical centre. Moreover, they organise training and development sessions including general and soft skills training, as well as technical and languages training.

    • Communications


      The Communications team is responsible for promoting the institutional image of the Authority. The team manages all on-line and off-line communication activities, such as drafting and issuing press releases and news items, coordinating editing and translation of documents and publishing all EBA products on the public website and the extranet. It is also in charge of setting up briefings and interviews with members of the media. In addition, the team is responsible for all issues relating to the EBA's corporate visual identity which includes coordinating the production of branded material and proposing topics for leaflets, brochures, corporate documents.

    • Corporate Support

      Corporate Support

      The Corporate support team at the EBA is responsible for managing the EBA facilities and office. The team provides support in events management, reception services, travel arrangements for staff and coordinates the standards for internal control.