Outdated browser

You are using an outdated browser. DNB.nl works best with:

Banking package

Laws and regulations

The Banking Package is a collective name for the review of the Capital Requirements Directive (CRD), the Capital Requirements Regulation (CRR), the Bank Recovery and Resolution Directive (BRRD) and the Single Resolution Mechanism Regulation (SRMR).

Published: 05 September 2019

It was published in the EU Official Journal on 7 June 2019. The aim of the Banking Package is to reduce risks in the banking sector and strengthen the banking union. Another review is currently being prepared for the implementation of Final Basel III3.5.


The revised CRD, BRRD and SRMR will apply 18 months after the date of entry into force (27 June 2019). The revised CRR will apply 24 months after the date of entry into force (27 June 2019). However, there are a significant number of exceptions to these general timelines. For example, some provisions of the CRR have already applied since 27 June 2019. See Article 3 of the revised CRR, Article 2 of the revised CRD, Article 2 of the revised SRMR and Article 3 of the revised BRRD.

Fact sheet of main changes

Below is a fact sheet with a selection of the most important changes on the following topics: own funds, leverage ratio, Pillar 2, macroprudential policy, credit risk, liquidity, proportionality, MREL and TLAC.

It will provide guidance to the sector on selected Banking Package topics. Please note that this fact sheet does not reflect a normative interpretation or policy statements.

EBA Binding Technical Standards and Guidelines

The EBA has received several mandates under the Banking Package to develop Binding Technical Standards (BTS) and Guidelines. The aim of these BTS and Guidelines is to further harmonise the implementation of supervision. In addition, the EBA will update the existing BTS and Guidelines.

Publication links

Discover related articles