EBA ·

EBA deletes connected-client guideline sections after EU RTS applies

EU credit institutions must use the RTS for connected-client identification

Change
EBA partially deleted sections of its Guidelines on connected clients after Commission Delegated Regulation (EU) 2024/1728 became directly applicable across the EU.
Why it matters
The change removes overlapping EBA guideline provisions because the binding RTS now defines when institutions must identify groups of connected clients. Credit institutions must align connected-client policies, risk systems and internal references with the directly applicable RTS and the consolidated EBA Guidelines.
Implications
  • Credit-institution risk teams must apply Commission Delegated Regulation (EU) 2024/1728 when identifying groups of connected clients.
  • Compliance teams at EU credit institutions must remove references to deleted EBA guideline sections from policies, manuals and reporting templates.
  • Credit-risk data and exposure-aggregation teams must align connected-client identification logic with the consolidated EBA Guidelines and directly applicable RTS.
Who is affected
  • Credit-institution risk teams
  • Compliance teams at EU credit institutions
  • Credit-risk data and exposure-aggregation teams
What to watch
  • EBA decision date: April 29, 2026
  • Commission Delegated Regulation (EU) 2024/1728
  • Consolidated EBA Guidelines on connected clients

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