Competent authorities must cooperate in full consultation on applications for permissions listed in Articles 143(1), 151(9), 283 and 325az submitted by an EU parent institution and its subsidiaries or by subsidiaries of an EU parent financial or mixed financial holding company, and on assessments for specific intragroup treatment under Articles 422(9) and 425(5) (with the related EBA RTS). Applications are to be submitted only to the consolidating supervisor. Authorities shall use best efforts to reach a joint decision within six months and record it in a fully reasoned document provided to the applicant; the six‑month period starts on receipt of the complete application by the consolidating supervisor (who must forward it) or on receipt of the consolidating supervisor’s intragroup report.

If no joint decision is reached within six months, the consolidating supervisor shall decide on the permissions (point (a)) and the subsidiary’s individual supervisor shall decide on the intragroup treatment (point (b)); each decision must be fully reasoned, take account of other authorities’ views or reservations and be communicated to relevant parties. If any authority refers the matter to EBA within the six‑month conciliation period, decisions are deferred pending EBA’s decision, which EBA must take within one month. Decisions are recognised as determinative and applied by Member State competent authorities. Where the IRB Approach is used on a unified basis, parent and subsidiaries may meet qualifying criteria consistent with group structure. EBA will draft implementing technical standards on the joint decision process for certain permissions and submit them to the Commission by 10 July 2025, with the Commission empowered to adopt them under Regulation (EU) No 1093/2010.