Reports, documents and other publications dated before 2018 can be found in the archive.
Document library
Reports, opinions, papers, technical standards, guidelines, surveys, etc

COVID-19 | Risk assessment
Report on risks and vulnerabilities in the EU financial system
The outbreak of the Coronavirus has brought huge social disruptions and unprecedented economic challenges, with inevitable impact on the EU financial sector. Valuation, liquidity, credit and solvency risks have increased across the board. While liquidity positions of EU banks remained relatively...
Sustainability | Disclosure
Survey on product disclosure templates under the Sustainable Finance Disclosure Regulation
The European Supervisory Authorities (ESAs) welcome comments on this survey setting out the details of the presentation of the information to be disclosed pursuant to Article 8(3), Article 9(5) and Article 11(4) of the Regulation (EU) 2019/2088 of the European Parliament and of the Council of 27...
PEPP
Description of EIOPA’s stochastic model used for PEPP
Please provide any comments and contributions on the stochastic model to: eiopa.PEPP.stochastic-model@eiopa.europa.eu
PEPP
Pan-European Personal Pension Product: Save for your pension anywhere in Europe
Consumers_infographic_final
Taxonomy | Sustainability | Financial stability
The EU sustainable finance taxonomy from the perspective of the insurance and reinsurance sector
This article investigates how much investment held by insurers may be eligible to the EU sustainable finance taxonomy. To this aim, Solvency II item-by-item investment data is employed. As part of the Green Deal, the Commission presented the European Green Deal Investment Plan, which will mobilize...
Financial stability | Supervision
The impact of EIOPA statement on insurers dividends: evidence from equity market
Abstract In an environment of a quick unfolding crisis with high uncertainty, the European Insurance and Occupational Pensions Authority issued on 2nd April 2020 a statement requesting (re)insurers to suspend all discretionary dividend distributions and share buy backs aimed at remunerating...
Financial stability
EIOPA Financial Stability Report July 2020
During the last months, the Covid-19 outbreak further proved the importance of the Solvency II regulatory framework. The market-consistent and risk based approach helped insurers to better align capital to risk, build-up resilience and enhance the risk management practices, while the adjustments...
COVID-19 | Reporting | Solvency II | Supervision
EIOPA Statement on Solvency II supervisory reporting in the context of COVID-19
Following EIOPA’s Recommendations of 20 March 2020 on annual and quarterly reporting and publication deadlines, EIOPA considers that insurance and reinsurance undertakings should now be in condition to comply with the deadlines provided in the Solvency II framework.
Shared resilience solutions | Protection gap | Sustainability
Issues Paper on resilience solutions for pandemics
The paper recognises that private insurance solutions alone will not be sufficient to protect society against the financial consequences of future pandemics. Solutions will require both public and private sector involvement, and build on the following four key elements: Proper risk assessment Risk...
COVID-19 | Solvency II
Supervisory Statement on the Solvency II recognition of schemes based on reinsurance with regard to COVID-19 and credit insurance
PRIIPs
Letter of the ESAs on outcome of ESA review of the PRIIPs Delegated Regulation
In this letter, the three Supervisory Authorities inform the Director General of DG FISMA, John Berrigan, about the outcome of the review by the European Supervisory Authorities (ESAs) of the PRIIPs key information document (KID) following the Consultation Paper published on 16 October 2019 on the...
Financial stability
Impact of ultra low yields on the insurance sector, including first effects of COVID-19 crisis
In the current macro-financial environment, one of the major concerns for the insurance market is the exceptionally ultra-low/negative level of interest rates. In addition, the Covid-19 outbreak has severely affected the macroeconomic and market conditions worldwide, with the launch of support...
Sustainability
EIOPA’s response to the European Commission's consultation on the renewed sustainable finance strategy
Sustainability
ESA's letter to Vice-President Dombrovskis on the Consultation on a Renewed Sustainable Finance Strategy
The European Supervisory Authorities (ESAs) welcome the European Commission’s consultation on a Renewed Sustainable Finance Strategy as part of its European Green Deal. The ESAs support the Commission’s ambition to strengthen the European policy framework to enhance the resilience of the financial...
Consumer protection | COVID-19
Supervisory expectations on Product Oversight and Governance requirements amidst the COVID-19 situation
Following the statement issued on 1 April 2020 on mitigating the impact of the COVID-19 situation on consumers, and taking into account different measures taken by a number of insurance manufacturers, EIOPA considers it important to further clarify its expectations on the application of Product...