Banking Regulation 2025

BULGARIA

Romania

Serbia

Sofia

Bulgaria

Kosovo

Law and Practice Contributed by: Nikolay Cvetanov, Boris Lazarov, Asen Apostolov and Patrizia Foffo Penkov, Markov & Partners

North Macedonia

Turkey

Greece

Contents 1. Legal Framework p.73 1.1 Key Laws and Regulations p.73 2. Authorisation p.74 2.1 Licences and Application Process p.74 3. Changes in Control p.75 3.1 Requirements for Acquiring or Increasing Control Over a Bank p.75 4. Governance p.76 4.1 Corporate Governance Requirements p.76 4.2 Registration and Oversight of Senior Management p.77 4.3 Remuneration Requirements p.78 5. AML/KYC p.78 5.1 AML and CFT Requirements p.78 6. Depositor Protection p.80 6.1 Deposit Guarantee Scheme (DGS) p.80 7. Prudential Regime p.82 7.1 Capital, Liquidity and Related Risk Control Requirements p.82 8. Insolvency, Recovery and Resolution p.83 8.1 Legal and Regulatory Framework p.83 9. ESG p.85 9.1 ESG Requirements p.85 10. DORA p.86

10.1 DORA Requirements p.86 11. Horizon Scanning p.87 11.1 Regulatory Developments p.87

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