ESAs Joint Committee Annual Report 2025: Digitalisation, Cyber Resilience, Sustainable Finance Priorities
Summary
The Joint Committee of EBA, EIOPA and ESMA published its Annual Report for 2025 on 24 April 2026. The report sets out priorities and achievements of cross-sectoral work focused on protecting consumers in increasingly digital financial markets, strengthening operational and cyber resilience through implementation of the Digital Operational Resilience Act (DORA), and improving effectiveness of sustainable finance disclosures. The Committee also advanced work on the EU securitisation framework, European Single Access Point (ESAP), and regulatory simplification in sustainable finance and PRIIPs.
“In 2025, the Joint Committee focused on protecting consumers in increasingly digital financial markets, strengthening operational and cyber resilience through the implementation of the Digital Operational Resilience Act (DORA), improving the effectiveness of sustainable finance disclosures, and enhancing cross-sectoral risk monitoring.”
The Joint Committee's emphasis on DORA implementation signals continued supervisory priority on ICT risk management and operational resilience across banking, insurance, and securities sectors. Firms already subject to DORA should ensure their regulatory reporting and incident classification procedures are aligned with ESA expectations; firms approaching DORA compliance deadlines should prioritise ICT third-party risk arrangements and threat-led penetration testing readiness.
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What changed
The Joint Committee of EBA, EIOPA and ESMA published its 2025 Annual Report highlighting priorities of protecting consumers in digital financial markets, strengthening operational and cyber resilience through DORA implementation, and improving sustainable finance disclosures. The report also covers progress on the EU securitisation framework, European Single Access Point, and simplification of sustainable finance and PRIIPs regulations.
Financial institutions and regulated entities across the EU should monitor these cross-sectoral priorities as they inform supervisory expectations and regulatory direction. The focus on DORA implementation and sustainable finance disclosures signals ongoing supervisory attention to operational resilience and ESG transparency in financial services.
Archived snapshot
Apr 24, 2026GovPing captured this document from the original source. If the source has since changed or been removed, this is the text as it existed at that time.
The ESA’s Joint Committee highlights digitalisation, cyber resilience and sustainable finance as key priorities of 2025
- News
- 24 April 2026
The Joint Committee of the European Supervisory Authorities (EBA, EIOPA and ESMA – the ESAs) today published its Annual Report for 2025, setting out the main priorities and achievements of its cross-sectoral work over the past year. In 2025, the Joint Committee focused on protecting consumers in increasingly digital financial markets, strengthening operational and cyber resilience through the implementation of the Digital Operational Resilience Act (DORA), improving the effectiveness of sustainable finance disclosures, and enhancing cross-sectoral risk monitoring.
Chaired by the European Insurance and Occupational Pensions Authority (EIOPA), in 2025, the Joint Committee continued to act as a key coordination platform, supporting close cooperation and information exchange between the ESAs, the European Commission and the European Systemic Risk Board (ESRB).
The Joint Committee also advanced a range of other cross-sectoral initiatives, including work to enhance the EU securitisation framework, progress on the European Single Access Point (ESAP), and support for financial innovation through the European Forum for Innovation Facilitators (EFIF).
In line with the European Commission’s priorities, the Joint Committee further contributed to efforts to simplify the EU financial regulatory framework and reduce unnecessary complexity, notably in the areas of sustainable finance and packaged retail and insurance-based investment products (PRIIPs).
Background
The Joint Committee is a forum established to strengthen cooperation between the European Banking Authority (EBA), the European Insurance and Occupational Pensions Authority (EIOPA) and the European Securities and Markets Authority (ESMA). It coordinates cross-sectoral supervisory work and promotes consistent supervisory practices across the EU.
In an environment marked by heightened geopolitical uncertainty, accelerating digitalisation and rapid financial innovation, the ESAs focused on ensuring that regulatory frameworks remain robust, proportionate and forward-looking.
Documents
Joint Committee Annual Report 2025
(155.19 KB - PDF)
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