EBA Reports on Funding Plans and Asset Encrumbance


On July 31, 2017, the EBA published the following reports on EU banks’ funding plans and asset encumbrance:

  • Funding plans. The report assesses the feasibility of EU banks’ funding plans submitted to the EBA. It was drafted in response to the European Systemic Risk Board’s (ESRB) recommendations on the funding of credit institutions. The funding plans reported in accordance with the EBA guidelines published in July 2014 on harmonized definitions and templates for funding plans of credit institutions, form the basis of the analysis. Data was collected from a sample of the largest banks in each member state, including Barclays plc, HSBC and Lloyds. Report.

Asset encumbrance. The EBA monitors asset encumbrance in order to assess whether changes have broader implications for access to unsecured instruments. The report mainly uses data from 2016, which highlights a small increase in the level of asset encumbrance across the EU compared with the figures for 2015 and 2014. The report also demonstrates a wide dispersion of asset encumbrance across countries and institutions. This report is the EBA’s third report which analyses asset encumbrance in EU banks, having published the previous report in June 2016. Report.