EBA · 2025_7556 Rejected question

Onboarding capacity - Number of applications from new customers over 1 working day

Regulation
Directive 2014/59/EU (BRRD)
Article
10
Topic
BRRD Reporting
Submitted by
Credit institution
Submitted
2025-08-08

Question

If the bank has a central team managing all account openings within the group, with colleagues assigned to a specific Member State. E.g. two colleagues are dedicated to opening accounts in Luxembourg, how should we clarify the “ Onboarding Capacity ”, which is defined as the highest number of applications where the institution has validated the request for a bank service? We seek guidance on which of the following approaches would be most relevant: Real statistics-based calculation : if the average daily number of new accounts opened in Luxembourg is 1 (handled by 2 colleagues in the central team), should the onboarding capacity be reported as 1 ? And if it takes 15 days to onboard new client (handled by 1 colleague or 2 colleagues in the central team)  in Luxembourg then should we report 0 or 0.1 (1 application /10 days)? Full Central Team Capacity (Single Country): if the entire central team were assigned exclusively to Luxembourg, the average daily onboarding capacity could increase to 5. Should this theoretical highest number of 5 be considered for Luxembourg ? Kindly note that in the capacity of the capacity for every other country would be zero as a consequence. How then to report for the remaining countries? Full Central Team + Project Support (Single Country):  If the central team had the additional project support (e.g. temporary resources), the average daily capacity for Luxembourg could reach a higher level, e.g. 50. Should such scenarios be considered for “Onboarding Capacity”?

Background

A new data field ‘Onboarding Capacity’ has been introduced in the ITS on overhauling the EBA resolution planning reporting framework . However, the EBA instruction published on 7 May 2025 is not very clear to us for the reporting of this new position next year and we would like to seek more explainations.
No answer published yet.

Original source: European Banking Authority, Q&A ID 2025_7556

This Q&A is published by European Banking Authority and is non-binding. It does not constitute legal advice. Updated weekly from official ESA sources.

Similar Q&As

More Q&As on this topic

📋 Track EU financial regulation continuously

Forseti monitors EU financial regulation and delivers personalised alerts anchored to verified official sources.

14-day free trial. No credit card required.