Reports and research

Consumer protection

Consumer Trends Report 2022

The Consumer Trends Report 2022 focuses on the financial health of consumers and small businesses through their use of insurance and pension savings products. The findings of the report are underpinned by the results of a flash Eurobarometer survey commissioned by EIOPA and other relevant sources...
Consumer protection

Costs and past performance report 2023

EIOPA's Costs and Past Performance Report provides an overview of the (past) performance and costs of EU retail investment products within EIOPA’s remit. The coverage period goes from 2017 to year end 2021 for past performance and 2021 for costs.
Financial literacy and education

ESAs Thematic Report on national financial education initiatives on digitalization, with a focus on cybersecurity, scams and fraud

The European Supervisory Authorities have issued a thematic report on the implementation across the EU of national financial education initiatives on digitalization, with a focus on cybersecurity, scams and fraud. The report provides meaningful insights for NCAs and other public entities on good...
IDD

Annual report on sanctions under the Insurance Distribution Directive during 2021

The European Insurance and Occupational Pensions Authority's (EIOPA) third annual report on administrative sanctions and other measures imposed during 2021 by national competent authorities (NCAs) under the Insurance Distribution Directive (IDD) shows that national competent authorities in...
Reporting | Solvency II

Report on limitations and exemptions from Solvency II reporting during 2021 and Q1 2022

The report on the use of limitations and exemptions from Solvency II is an EIOPA Annual Report evidencing how many NCAs grant limitations and/or exemptions from Solvency II reporting requirements to ‘solo’ undertakings and groups.
Pensions | Cross-border

Report on Cross-border IORPs 2022

Financial stability

Financial Stability Report December 2022

The December 2022 Financial Stability Report examines key risks and developments in Europe's insurance and occupational pensions sectors. Additionally, the report presents four topical focuses, notably about the impact of rising inflation and interest rates on insurers’ financial position, insurers...
Stress test | Sustainability | IORP

2022 IORP Climate Stress Test Report

The European Insurance and Occupational Pensions Authority (EIOPA) has carried out its first climate stress test for the Institutions for Occupational Retirement Provisions (IORPs) sector in the European Economic Area (EEA) to gain insights into the effects of environmental risks on the...
Governance

Follow-up report to the peer review on the propriety assessment of administrative, management and supervisory body members and qualifying shareholders

This report describes to what extent the National Competent Authorities (NCAs) have implemented the recommended actions addressed to them as a result of the peer review on propriety of Administrative Management and Supervisory Body (AMSB) members and qualifying shareholders in 2019. In addition, it...
Consumer protection

Thematic Review on Credit Protection Insurance (CPI) sold via banks

EIOPA, with the support of National Competent Authorities (NCAs), has conducted a thematic review on the functioning of the EU market for credit protection insurance (CPI) products sold via banks (acting as insurance intermediaries) and how well it succeeds in delivering good consumer outcomes. The...
Sustainability | Disclosure

ESAs Final Report on disclosures for fossil gas and nuclear energy investments under SFDR

The European Supervisory Authorities (ESAs) have developed through the Joint Committee (JC) draft Regulatory Technical Standards (RTS) with regard to the content and presentation of information to be provided in pre-contractual documents, on websites, and in periodic reports about the exposure of...
Statistics

European Insurance Overview 2022

The Annual European Insurance Overview is an extension of EIOPA's statistical services in order to provide an easy-to-use and accessible overview of the European (re)insurance sector. The report is based on annually reported Solvency II information. This ensures that the data has a high coverage in...
Risk assessment

Joint Committee Report on risks and vulnerabilities in the EU financial system - Autumn 2022

The three European Supervisory Authorities (EBA, EIOPA and ESMA - ESAs) issued today their Autumn 2022 joint risk report. The report highlights that the deteriorating economic outlook, high inflation and rising energy prices have increased vulnerabilities across the financial sectors. The ESAs...
Solvency II

Report on data quality in Solvency II reporting

Reliable data is the basis for successful, data-driven supervision, evidence-based decision making and micro- and macro-prudential analysis. EIOPA is therefore constantly working to assess and improve the quality of the available insurance reporting data. After six years of Solvency II prudential...
Sustainability

Joint ESAs’ Report on the extent of voluntary disclosure of principal adverse impact under the SFDR

Report to the Commission under Article 18 of Regulation (EU) 2019/2088 of the European Parliament and of the Council of 27 November 2019 on sustainability‐related disclosures in the financial services sector.
Sustainability | IDD

Guidance on the integration of the customer's sustainability preferences in the suitability assessment under IDD

This Guidance is a follow-up to a public consultation which EIOPA ran on draft Guidelines on integrating the customer’s sustainability preferences in the suitability assessment under the Insurance Distribution Directive (IDD). During the public consultation, a number of respondents stressed the...
Supervision | Governance

Peer Review on outsourcing

The peer review assesses the overall maturity of the framework implemented by national supervisory authorities (NSAs) to supervise the outsourced activities of insurance and reinsurance undertakings. The objective of the peer review was to identify gaps, areas of improvements and best practices to...
Stress test | Financial stability

Do EU-wide stress tests affect insurers' dividend policies?

The thematic article employs panel data to investigate whether stress test results and other characteristics associated with European insurers vulnerabilities affect dividend distributions and share buybacks. The authors, Petr Jakubik from EIOPA and Saida Teleu from the Central Bank of Malta, focus...
Supervision

Report on EIOPA Supervisory Activities in 2021

EIOPA’s supervisory convergence plan identifies, in line with EIOPA’s mandate, EIOPA’s annual priorities to enhance supervisory convergence by ensuring a high, effective and consistent level of supervision across Europe, with the aim of guaranteeing a similar level of protection of policyholders...
Financial stability

Financial Stability Report June 2022

The June 2022 Financial Stability Report examines the main trends for the European (re)insurance and pensions sectors as well as the macroeconomic landscape with its implications. It considers the impact of inflation driven by stressed supply chains and the geopolitical situation that has further...