EBA Guidelines on proportionate retail diversification methods under Article 123(1) of Regulation (EU) No 575/2013 – applicable from 19.5.2026
On 13.2.2026, European Banking Authority EBA has issued Guidelines on proportionate retail diversification methods under Article 123(1) of Regulation (EU) No 575/2013 (EBA/GL/2026/02).
The Financial Supervisory Authority has confirmed that it will comply with the Guidelines.
In accordance with Article 16(3) of the EBA Regulation1 financial institutions shall make every effort to comply with the EBA Guidelines.
Subject matter
These guidelines specify proportionate diversification methods under which an exposure is to be considered as one of a significant number of similar exposures as specified in point (c) of Article 123(1) of Regulation (EU) No 575/2013.
Date of application
The Guidelines will apply from 19.5.2026.
For further information, please contact
Torsten Groschup, Chief Specialist, telephone +358 9 183 5333 or torsten.groschup(at)fiva.fi
Appendix
See also
Guidelines of the European Supervisory Authorities
1Regulation (EU) No 1093/2010 establishing the EBA.