Europejski Urząd Nadzoru Bankowego, Wskaźniki ryzyka handlu detalicznego wg EBA

EBA/Rep/2023/10

28 March 2023

EBA’s retail risk indicators

Article 9(1) of Regulation (EU) no 1093/2010 (“EBA Regulation”) requires the EBA to develop retail risk indicators (RRIs) for the timely identification of potential consumer harm. For this purpose, the EBA is publishing a list of 11 RRIs that cover a wide variety of different types of products in the EBA’s remit (e.g., mortgage credit, consumer credit, or payment accounts).

These indicators aim to facilitate the monitoring of the banking markets across the EU by measuring the risk of detriment arising to consumers from the misconduct of the institutions, and from wider economic conditions.

They provide information that help the EBA and national competent authorities to prioritise their regulatory and supervisory work in the area of consumer protection but may be of interest to other, external stakeholders as well. The RRI are summarized in a table below, which is accompanied by a set of charts showing results at Member...