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