Dorota Wojnar from EBA: New Capital Requirements is a Game Changer!

Dorota Wojnar

Head of ESG Risks

at

European Banking Authority

In the world of European banking, a new chapter is about to begin. The clock is ticking toward January 11, 2026 - a date that will reshape how banks manage risk, capital, and the future of sustainable finance. Join us as we sit down with Dorota Wojnar, Head of ESG Risks at the European Banking Authority, to uncover the story behind the regulations like CRD6 & CRR3 that changes the game for capital requirements and risk management for banks. Dorota takes us on a journey from the early days of credit risk management to the creation of a dedicated ESG unit in EBA, revealing why environmental and social factors are core for competitiveness for European banks. Whether you’re a banking professional, a policymaker, or simply curious about the forces shaping our financial future, this episode offers a front-row seat to the transformation happening in European banking. Discover what’s at stake, what’s changing, and how you can prepare for the next era of finance.

In this episode

00:00 🎯 The Big Deadline Banks Can't Miss

00:55 👋 Meet the European Banking Authority

01:50 📊 From Credit Risk to ESG Leadership

03:21 🌱 Why ESG Got Its Own Dedicated Unit

04:57 💰 Capital Requirements: The Risk-Based Approach

06:24 🚧 The Biggest Bottlenecks in ESG Risk Assessment

08:48 ⚡ The Green vs. Brown Paradox

11:08 🏢 Startups, Hydrogen & The Financing Challenge

12:45 🏠 Real Estate: Where ESG Meets Experience

15:45 ⚠️ What Happens If Banks Ignore ESG Risk?

17:29 🏛️ The Three Pillars Explained

21:37 📢 Pillar 3: Transparency & Market Discipline

24:37 🌍 Macroprudential Buffers & Climate Risk

25:23 🌊 The Growing Insurance Gap Crisis

28:31 🎢 Regulatory Instability: The Real Story

31:11 📉 From Quantity to Quality: The Data Shift

34:21 📅 January 11, 2026: Mark Your Calendar!

36:14 ⚡ Regulation at Lightning Speed

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