meta_id 3049430

On February 13, 2026, the European Banking Authority (EBA) issued guidelines on proportionate diversification methods for retail exposures under Article 123(1)(c) of Regulation (EU) No 575/2013 (EBA/GL/2026/02). Finland's Financial Supervisory Authority (Finanssivalvonta) announced it will comply with these guidelines. The guidelines clarify proportionate diversification methods that determine when an exposure qualifies as a significant amount of similar liabilities under Article 123(1)(c) of Regulation (EU) No 575/2013. Under EBA Regulation (EU) No 1093/2010, Article 16(3), financial institutions must make all efforts to comply with EBA guidelines. These guidelines establish criteria for assessing retail exposure concentrations and determining when diversification thresholds are met. The framework applies to credit institutions and other financial institutions subject to capital requirements under the Capital Requirements Regulation. The guidelines become applicable on May 19, 2026. Financial institutions operating in Finland must ensure their retail exposure management frameworks align with the EBA's proportionate diversification methodology by this date. Finanssivalvonta will supervise compliance with these requirements as part of its ongoing regulatory oversight of the financial sector. For further information, contact Torsten Groschup, senior expert at Finanssivalvonta, by telephone at +358 9 183 5333 or email torsten.groschup@finanssivalvonta.fi.