EBA欧洲银行-EBA-BS-2019-093-28Final-minutes-BoS-meeting-19-20-February-201929_15页_556kb

报告摘要

Date: 19–20 February 2019
Location: London
Time: 14:00–17:45 on 19 February; 09:00–13:00 on 20 February
Participants: Board of Supervisors (BoS) Voting Members and their Alternates, Non-Voting BoS Members, and Observers

The EBA Interim Chairperson welcomed participants and outlined the selection procedure.
The Selection Committee presented its conclusions, and the Interim Chairperson shared ECON's preferred candidate feedback.
Interviews with candidates and Q&A sessions followed.
A secret ballot was conducted.
Conclusion: José Manuel Campa was selected as the new EBA Chairperson. Remaining candidates were placed on a reserve list.

The BoS approved the meeting agenda and minutes from the 11–12 December 2018 meeting.
A new BoS Alternate from Malta was welcomed.
Reminder of the BoS Away Day scheduled for 9–10 July 2019, with no location decided yet.
The EBA was instructed to investigate Danish and Estonian supervisors regarding Danske Bank and money laundering activities.
A call for candidates for the Breach of Union Law Panel was launched but received no interest.

The EBA Director of Economic Analysis and Statistics (EAS) presented the latest risk update, covering asset quality, NPL reduction, profitability, CCyBs, and funding.
A Romanian BoS Member discussed the national banking sector, highlighting the impact of the ROBOR-based tax on banks' profitability.
The BoS discussed key issues such as the treatment of old stage 3 exposures, sovereign spread pass-through, and the introduction of climate change scenarios.
Conclusion: The BoS supported the ongoing work on the 2020 stress test and agreed on specific changes, including the rejection of internal models for sight deposits and a more conservative risk-sensitive floor for market risk.

The EBA and ESAs were working on a Joint Advice related to the EC FinTech Action Plan.
Proposals included:
- New Articles on operational resilience under CRD and PSD2.
- Harmonization of incident reporting frameworks.
- Oversight of third-party providers, especially cloud service providers.
The BoS expressed concerns about extending national supervisors' roles to third-party providers and the potential for overburdening institutions.
Conclusion: The draft Joint Advice was to be revised by the ESAs and submitted to the JC and ESA Boards in March.

The EBA is mandated to publish the Consumer Trends Report regularly.
The 2018/19 edition included input from various stakeholders and data sources.
The report outlined key consumer protection issues and priorities for the EBA in 2019/20.
Conclusion: The BoS approved the report for publication.

The ESAs proposed a staged implementation of a cyber-resilience testing framework.
Short-term measures included EBA Guidelines and sector-specific guidance.
Long-term goals involved testing for systemic institutions once a framework is in place.
Conclusion: The BoS supported the proposal and the EBA would revise the draft Joint Advice.

The EBA was in close contact with the French Finance Ministry to finalize the relocation agreement.
The move to new premises was expected to be completed by May 2019, with IT and AV installation planned for April.
A small office space was being rented in Paris for senior management.
The Data Centre Migration Project had a nine-week delay but was expected to be completed by February 2019.
Conclusion: The relocation plan was supported, with the EBA continuing to coordinate with the EC on working arrangements.

Discussion was held in a restricted setting (EU 27), but no details were provided in the minutes.

The guidelines updated the 2006 CEBS guidelines and integrated cloud service provider considerations.
The EBA ensured alignment with MiFID and PSD requirements.
A few clerical corrections and a discussion on paragraph 47 (intragroup/IPS outsourcing) were addressed.
Conclusion: The BoS approved the guidelines with the initially tabled wording for paragraph 47.

The BoS reviewed the Q&A process and its implementation.
The action plan to resolve the backlog of reporting Q&As was approved.
The EBA proposed a call for experts and a call for advice on the Basel III framework.
The BoS supported a sanitised version of the interim report and the review of the Q&A process.

The draft guidelines clarified the credit risk mitigation (CRM) framework under the A-IRB approach.
Topics not covered in the draft were to be addressed in the context of the Basel III call for advice.
Conclusion: The BoS approved the consultation paper and requested a question on back-testing analysis of the substitution approach.

The report outlines the methodology for estimating LGDs during economic downturns.
It references the RTS on economic downturn published in November 2018.
A legal inconsistency was noted and to be addressed before publication.
Conclusion: The BoS approved the report by consensus.

The EBA is required to report annually on supervisory convergence under CRD Article 107.
The report includes a convergence plan for 2019 and covers the continuum between ongoing supervision, recovery, and resolution.
The SRB requested clarification on certain paragraphs, which was provided.
Conclusion: The BoS approved the report by consensus.

The EBA received a call for advice from the EC to benchmark national loan enforcement and insolvency frameworks.
Due to data collection constraints and the relocation to Paris, the EBA proposed a two-step approach: data collection by December 2019 and a report by June 2020.
The EC emphasized the need for timely follow-up for the NPL roadmap.
Conclusion: The BoS supported the two-step approach and the need for preliminary analysis by June 2019.

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