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Supervisory provisions for banks

Text of the circular

05 February 2026

Update No. 51 of 3 February 2026

PDF 4 MB

05 February 2026

Act of issuance of the 51st update

PDF 381 KB

05 June 2026

Full text at the 51st update

PDF 11 MB

In-depth section

Publication Date: 27 August 2025

Update No. 50 of 26 August 2025 pdf 3 MB

Publication Date: 27 August 2025

Act of issuance of the 50th update pdf 215 KB

Publication Date: 27 August 2025

Full text at the 50th update pdf 13 MB

This full version of Circular 285 incorporates the changes from the 50th update of 26 August 2025 and is published for informational purposes only.

Publication Date: 24 July 2024

Update No. 49 of 23 July 2024 pdf 882 KB

Publication Date: 24 July 2024

Act of issuance of the 49th update pdf 334 KB

Publication Date: 13 August 2024

Full text at the 49th update pdf 12 MB

Publication Date: 20 June 2024

Update No. 48 of 18 June 2024 pdf 1 MB

Publication Date: 20 June 2024

Act of issuance of the 48th update pdf 462 KB

Publication Date: 20 June 2024

Full text at the 48th update pdf 13 MB This full version of Circular 285 incorporates the changes from the 48th update of 18 June 2024 and is published for informational purposes only.

Publication Date: 09 May 2024

Update No. 47 of 7 May 2024 pdf 487 KB

Publication Date: 09 May 2024

Act of issuance of the 47th update pdf 179 KB

Publication Date: 09 May 2024

Full text at the 47th update pdf 13 MB This full version of Circular 285 incorporates the changes from the 47th update of 7 May 2024 and is published for informational purposes only.

Publication Date: 02 May 2024

Update No. 46 of 30 April 2024 pdf 382 KB

Publication Date: 02 May 2024

Act of issuance of the 46th update pdf 295 KB

Publication Date: 02 May 2024

Full text at the 46th update pdf 13 MB This full version of Circular 285 incorporates the changes from the 46th update of 30 April 2024 and is published for informational purposes only.

Publication Date: 13 March 2024

Update No. 45 of 12 March 2024 pdf 833 KB

Publication Date: 13 March 2024

Act of issuance of the 45th update pdf 226 KB

Publication Date: 13 March 2024

Full text at the 45th update pdf 12 MB This full version of Circular 285 incorporates the changes from the 45th update of 12 March 2024 and is published for informational purposes only.

Publication Date: 20 December 2023

Update No. 44 of 19 December 2023 pdf 4 MB

Publication Date: 20 December 2023

Act of issuance of the 44th update pdf 482 KB

Publication Date: 20 December 2023

Full text at the 44th update pdf 12 MB This full version of Circular 285 incorporates the changes from the 44th update of 19 December 2023 and is published for informational purposes only.

Publication Date: 06 December 2023

Update No. 43 of 5 December 2023 pdf 3 MB

Publication Date: 06 December 2023

Act of issuance of the 43rd update pdf 255 KB

Publication Date: 06 December 2023

Full text at the 43rd update pdf 12 MB This full version of Circular 285 incorporates the changes from the 43rd update of 5 December 2023 and is published for informational purposes only.

Publication Date: 30 March 2023

Update No. 42 of 30 March 2023 pdf 596 KB

Publication Date: 30 March 2023

Act of issuance of the 42nd update pdf 168 KB

Publication Date: 30 March 2023

Full text at the 42nd update pdf 12 MB This full version of Circular 285 incorporates the changes from the 42nd update of 30 March 2023 and is published for informational purposes only.

Publication Date: 21 December 2022

Update No. 41 of 20 December 2022 pdf 5 MB

Publication Date: 21 December 2022

Act of issuance of the 41st update pdf 228 KB

Publication Date: 21 December 2022

Full text at the 41st update pdf 10 MB This full version of Circular 285 incorporates the changes from the 41st update of 20 December 2022 and is published for informational purposes only.

Publication Date: 03 November 2022

Update No. 40 of 2 November 2022 pdf 6 MB

Publication Date: 03 November 2022

Act of issuance of the 40th update pdf 225 KB

Publication Date: 03 November 2022

Full text at the 40th update pdf 10 MB This full version of Circular 285 incorporates the changes from the 40th update of 2 November 2022 and is published for informational purposes only.

Publication Date: 13 July 2022

Update No. 39 of 12 July 2022 pdf 3 MB

Publication Date: 13 July 2022

Act of issuance of the 39th update pdf 317 KB

Publication Date: 13 July 2022

Full text at the 39th update pdf 10 MB This full version of Circular 285 incorporates the changes from the 39th update of 12 July 2022 and is published for informational purposes only.

Publication Date: 23 February 2022

Update No. 38 of 22 February 2022 pdf 2 MB

Publication Date: 23 February 2022

Act of issuance of the 38th update pdf 142 KB

Publication Date: 23 February 2022

Full text at the 38th update pdf 8 MB This full version of Circular 285 incorporates the changes from the 38th update of 22 February 2022 and is published for informational purposes only.

Publication Date: 25 November 2021

Update No. 37 of 24 November 2021 pdf 1 MB

Publication Date: 25 November 2021

Act of issuance of the 37th update pdf 290 KB

Publication Date: 20 July 2021

Update No. 36 of 20 July 2021 pdf 1 MB

Publication Date: 20 July 2021

Act of issuance of the 36th update pdf 212 KB

Publication Date: 02 July 2021

Update No. 35 of 30 June 2021 pdf 519 KB

Publication Date: 02 July 2021

Act of issuance of the 35th update pdf 353 KB

Publication Date: 23 September 2020

Update No. 34 of 22 September 2020 - Full reprint pdf 5 MB

Publication Date: 23 September 2020

Act of issuance of the 34th update pdf 215 KB

Publication Date: 24 June 2020

Update No. 33 of 23 June 2020 pdf 554 KB

Publication Date: 24 June 2020

Act of issuance of the 33rd update - 23 June 2020 pdf 21 KB

Publication Date: 21 April 2020

Full text at the 32nd update pdf 5 MB

Publication Date: 21 April 2020

Update No. 32 of 21 April 2020 pdf 2 MB

Publication Date: 21 April 2020

Act of issuance of the 32nd update - 21 April 2020 pdf 41 KB

Publication Date: 25 March 2020

Full text at the 31st update pdf 4 MB

Publication Date: 25 March 2020

Update No. 31 of 24 March 2020 pdf 337 KB

Publication Date: 25 March 2020

Act of issuance of the 31st update pdf 25 KB

Publication Date: 04 December 2019

Full text at the 30th update pdf 4 MB

Publication Date: 04 December 2019

Update No. 30 of 4 December 2019 pdf 834 KB

Publication Date: 04 December 2019

Act of issuance of the 30th update pdf 57 KB

Publication Date: 18 September 2019

Full text at the 29th update pdf 4 MB

Publication Date: 18 September 2019

Update No. 29 of 17 September 2019 pdf 415 KB

Publication Date: 18 September 2019

Act of issuance of the 29th update pdf 52 KB

Publication Date: 26 July 2019

Full text at the 28th update pdf 4 MB

Publication Date: 24 July 2019

Update No. 28 of 23 July 2019 pdf 635 KB

Publication Date: 24 July 2019

Act of issuance of the 28th update pdf 37 KB

Publication Date: 26 June 2019

Update No. 27 of 26 June 2019 pdf 624 KB

Publication Date: 26 June 2019

Act of issuance of the 27th update - 26 June 2019 pdf 28 KB

Publication Date: 06 March 2019

Full text at the 26th update - 5 March 2019 pdf 4 MB

Publication Date: 06 March 2019

Update No. 26 of 5 March 2019 pdf 273 KB

Publication Date: 06 March 2019

Act of issuance of the 26th update - 5 March 2019 pdf 24 KB

Publication Date: 26 October 2018

Update No. 25 of 23 October 2018 pdf 487 KB

Publication Date: 26 October 2018

Act of issuance of the 25th update pdf 25 KB

Publication Date: 19 October 2018

Full text at the 24th update - 16 October 2018 pdf 4 MB

Publication Date: 19 October 2018

Update No. 24 of 16 October 2018 pdf 357 KB

Publication Date: 19 October 2018

Act of issuance of the 24th update pdf 24 KB

Publication Date: 01 October 2018

Full text at the 23rd update - 25 September 2018 pdf 4 MB

Publication Date: 01 October 2018

Act of issuance of the 23rd update pdf 25 KB

Publication Date: 01 October 2018

Update No. 23 of 25 September 2018 pdf 419 KB

Publication Date: 20 June 2018

Full text at the 22nd update - 12 June 2018 pdf 4 MB

Publication Date: 19 June 2018

Act of issuance of the 22nd update pdf 27 KB

Publication Date: 19 June 2018

Update No. 22 of 12 June 2018 pdf 900 KB

Publication Date: 22 May 2018

Act of issuance of the 21st update pdf 29 KB

Publication Date: 22 May 2018

Update No. 21 of 22 May 2018 pdf 519 KB

Publication Date: 22 May 2018

Full text at the 21st update - 22 May 2018 pdf 4 MB

Publication Date: 22 November 2017

Act of issuance of the 20th update pdf 59 KB

Publication Date: 02 January 2018

Update No. 20 of 21 November 2017 pdf 717 KB

The files for the 20th update and the full version of the circular are republished to correct material errors that occurred in the publication of 22 November regarding Part Two, Chapter 7.

Publication Date: 02 January 2018

Full text at the 20th update - 21 November 2017 pdf 4 MB

The files for the 20th update and the full version of the circular are republished to correct material errors that occurred in the publication of 22 November regarding Part Two, Chapter 7.

Publication Date: 03 November 2016

Act of issuance of the 19th update pdf 28 KB

Publication Date: 03 November 2016

Update No. 19 of 2 November 2016 pdf 390 KB

Publication Date: 02 January 2017

Full text at the 19th update - 2 November 2016 pdf 4 MB

Publication Date: 06 October 2016

Act of issuance of the 18th update pdf 31 KB

Publication Date: 06 October 2016

Update No. 18 of 4 October 2016 (effective from 1 January 2017) pdf 171 KB

Publication Date: 28 September 2016

Update No. 17 of 27 September 2016 pdf 500 KB

Publication Date: 28 September 2016

Circ. 285 - Full text at the 17th update pdf 4 MB

Publication Date: 28 September 2016

Act of issuance of the 17th update pdf 22 KB

Publication Date: 20 May 2016

Update No. 16 of 17 May 2016 pdf 456 KB

Publication Date: 03 November 2016

Circ. 285 - Full text at the 16th update pdf 4 MB

Publication Date: 20 May 2016

Act of issuance of the 16th update pdf 34 KB

Publication Date: 09 March 2016

Update No. 15 of 8 March 2016 pdf 441 KB

Publication Date: 03 November 2016

Circ. 285 - Full text at the 15th update pdf 4 MB

Publication Date: 09 March 2016

Act of issuance of the 15th update pdf 23 KB

Publication Date: 25 November 2015

Update No. 14 of 24 November 2015 pdf 358 KB

Publication Date: 03 November 2016

Circ. 285 - Full text at the 14th update pdf 4 MB

Publication Date: 25 November 2015

Act of issuance of the 14th update pdf 85 KB

Publication Date: 14 October 2015

Update No. 13 of 13 October 2015 pdf 249 KB

Publication Date: 03 November 2016

Circ. 285 - Full text at the 13th update pdf 4 MB

Publication Date: 22 July 2016

Instructions for compiling the Shareholdings and Participations Entities (APE) report pdf 217 KB Update of 20 July 2016

Publication Date: 14 October 2015

Act of issuance of the 13th update pdf 25 KB

Publication Date: 17 September 2015

Update No. 12 of 15 September 2015 pdf 176 KB

Publication Date: 03 November 2016

Circ. 285 - Full text at the 12th update pdf 4 MB

Publication Date: 17 September 2015

Act of issuance of the 12th update pdf 33 KB

Publication Date: 21 July 2015

Update No. 11 of 21 July 2015 pdf 4 MB

Publication Date: 22 July 2015

Act of issuance - Update No. 11 of 21 July 2015 pdf 161 KB

Publication Date: 26 June 2015

Update No. 10 of 22 June 2015 – Full text pdf 3 MB

Publication Date: 24 June 2015

Update No. 10 of 22 June 2015 pdf 703 KB

Publication Date: 03 November 2016

Circ. 285 - Full text at the 10th update pdf 3 MB

Publication Date: 17 September 2015

Errata corrige pdf 46 KB

Publication Date: 17 September 2015

Act of issuance of the 10th update pdf 36 KB

Publication Date: 11 June 2015

Update No. 9 of 9 June 2015 pdf 298 KB

Publication Date: 17 September 2015

Act of issuance of the 9th update pdf 50 KB

Publication Date: 10 March 2015

Update No. 8 of 10 March 2015 - Full text pdf 5 MB

Publication Date: 17 September 2015

Act of issuance of the 8th update pdf 35 KB

Publication Date: 19 November 2014

Update No. 7 of 18 November 2014 pdf 391 KB

Publication Date: 17 September 2015

Act of issuance of the 7th update pdf 34 KB

Publication Date: 04 November 2014

Update No. 6 of 4 November 2014 - Full text pdf 1 MB

Publication Date: 03 November 2016

Circ. 285 - Full text at the 6th update pdf 1 MB

Publication Date: 17 September 2015

Act of issuance of the 6th update pdf 26 KB

Publication Date: 24 June 2014

Update No. 5 of 24 June 2014 (effective from 25 June 2014) pdf 226 KB

Publication Date: 03 November 2016

Circ. 285 - Full text at the 5th update pdf 1 MB

Publication Date: 17 September 2015

Act of issuance of the 5th update pdf 20 KB

Publication Date: 17 June 2014

Update No. 4 of 17 June 2014 pdf 985 KB

Publication Date: 03 November 2016

Circ. 285 - Full text at the 4th update pdf 978 KB

Publication Date: 17 September 2015

Act of issuance of the 4th update pdf 20 KB

Publication Date: 27 May 2014

Update No. 3 of 27 May 2014 pdf 168 KB

Publication Date: 17 September 2015

Act of issuance of the 3rd update pdf 27 KB

Publication Date: 21 May 2014

Update No. 2 of 21 May 2014 pdf 399 KB

Publication Date: 17 September 2015

Act of issuance of the 2nd update pdf 27 KB

Publication Date: 07 May 2014

Update No. 1 of 6 May 2014 pdf 675 KB

Publication Date: 17 September 2015

Act of issuance of the 1st update pdf 19 KB

Publication Date: 03 November 2016

Circ. 285 - Full text at the 1st update pdf 2 MB

Publication Date: 19 December 2013

Circular No. 285 of 17 December 2013 pdf 2 MB

Publication Date: 17 September 2015

Act of issuance pdf 48 KB

Publication Date: 24 July 2023

Clarification note on the credit risk regime - Update of 24 July 2023 pdf 608 KB

Publication Date: 23 September 2022

Application of the definition of default under Article 178 of Regulation (EU) No 575/2013 pdf 794 KB and adjustment of definitions of non-performing exposures

Publication Date: 13 March 2018

Clarification note on the internal control system, the information system, and business continuity pdf 188 KB

Publication Date: 19 August 2014

Clarification note on the application of transitional provisions regarding own funds pdf 52 KB

Publication Date: 29 October 2021

Communication of 29 October 2021 pdf 200 KB Implementation for payment service providers of the updated EBA Guidelines on reporting of serious IT incidents under the PSD2 Directive (EBA/GL/2021/03)

Publication Date: 01 July 2021

Communication of 30 June 2021 pdf 125 KB Exclusion of certain exposures to central banks from the leverage ratio calculation in light of the COVID-19 pandemic - Exercise of discretion for less significant banks

Publication Date: 11 November 2020

Communication of 10 November 2020 pdf 139 KB Exclusion of certain exposures to central banks from the leverage ratio calculation in light of the COVID-19 pandemic - Exercise of discretion for less significant banks

Publication Date: 30 June 2020

EBA Guidelines on reporting and public disclosure obligations ABROGATED pdf 29 KB on exposures subject to measures applied in light of the Covid-19 crisis

Publication Date: 10 June 2020

Start date for the application of the new default regime pdf 25 KB

Publication Date: 27 February 2020

Communication to supervised intermediaries of the Bank of Italy ABROGATED pdf 58 KB on the importance of money laundering and terrorist financing risks in prudential supervision action

Publication Date: 31 May 2018

Triparty repo operations. Reporting and prudential treatment pdf 70 KB

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