Banking Regulation 2025

PORTUGAL

Portugal

Spain

Law and Practice Contributed by: Pedro Cassiano Santos, Francisca César Machado, Chen Chen and Natalia Fedorova VdA

Lisbon

Contents 1. Legal Framework p.491 1.1 Key Laws and Regulations p.491 2. Authorisation p.492 2.1 Licences and Application Process p.492 3. Changes in Control p.493 3.1 Requirements for Acquiring or Increasing Control Over a Bank p.493 4. Governance p.494 4.1 Corporate Governance Requirements p.494 4.2 Registration and Oversight of Senior Management p.495 4.3 Remuneration Requirements p.496 5. AML/KYC p.497 5.1 AML and CFT Requirements p.497 6. Depositor Protection p.498 6.1 Deposit Guarantee Scheme (DGS) p.498 7. Prudential Regime p.499 7.1 Capital, Liquidity and Related Risk Control Requirements p.499 8. Insolvency, Recovery and Resolution p.501 8.1 Legal and Regulatory Framework p.501 9. ESG p.503 9.1 ESG Requirements p.503 10. DORA p.504

10.1 DORA Requirements p.504 11. Horizon Scanning p.506 11.1 Regulatory Developments p.506

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