TITLE: European Banking Authority Publishes Latest Minimum Requirement for Own Funds and Eligible Liabilities Dashboard
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On June 22, 2026, the European Banking Authority (EBA) published its latest semi-annual dashboard on the minimum requirement for own funds and eligible liabilities (MREL), providing updated information on resolution planning and resources that banks are using to meet their requirements across the European Union (EU).
As of December 31, 2025, MREL requirements range from 24.6% to 28.9% of risk-weighted assets (RWAs), depending on bank category. Global systemically important institutions (G-SIIs) face an average external MREL binding requirement of 28.9% of RWAs, while top-tier and "fished" banks face 28.4%, and other banks face 24.6%. The average subordination requirement stood at 21.4% of RWAs for G-SIIs and 21.7% for top-tier and fished banks. Banks primarily meet their requirements through own funds instruments, which account for 19.8% to 21.9% of RWAs depending on bank category. For eligible liabilities, G-SIIs and top-tier banks rely mainly on senior non-preferred debt and senior unsecured debt, while other banks rely more heavily on senior unsecured debt. The dashboard covers 303 banks earmarked for resolution across the EU, based on data reported by resolution authorities and banks. Bail-in remains the preferred resolution strategy in terms of RWAs, accounting for 94% of decisions, while transfer strategies remain broadly balanced at 52% and 48% respectively, reflecting a tendency to favour transfer strategies for smaller banks. MREL instruments set to become ineligible by December 2026 represent EUR 231 billion in rollover needs over the next 12 months.
The EBA publishes the MREL dashboard as part of its mandate under the Bank Recovery and Resolution Directive (BRRD) to monitor MREL setting by authorities and resource build-up by institutions. This edition reflects new Implementing Technical Standards (ITS) on reporting of MREL decisions, which introduce a semi-annual reporting cycle, replacing the previous annual submission. The MREL dashboard and related documents are available on the EBA website.