Banking Regulation 2025

ANDORRA Law and Practice Contributed by: Miguel Cases and Laura Nieto Cases & Lacambra

France

Andorra

Andorra La Vella

Spain

Contents 1. Legal Framework p.12 1.1 Key Laws and Regulations p.12 2. Authorisation p.14 2.1 Licences and Application Process p.14 3. Changes in Control p.15 3.1 Requirements for Acquiring or Increasing Control Over a Bank p.15 4. Governance p.16 4.1 Corporate Governance Requirements p.16 4.2 Registration and Oversight of Senior Management p.17 4.3 Remuneration Requirements p.18 5. AML/KYC p.19 5.1 AML and CFT Requirements p.19 6. Depositor Protection p.19 6.1 Deposit Guarantee Scheme (DGS) p.19 7. Prudential Regime p.20 7.1 Capital, Liquidity and Related Risk Control Requirements p.20 8. Insolvency, Recovery and Resolution p.22 8.1 Legal and Regulatory Framework p.22 9. ESG p.23 9.1 ESG Requirements p.23 10. DORA p.24

10.1 DORA Requirements p.24 11. Horizon Scanning p.24 11.1 Regulatory Developments p.24

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