Directive 2013/36/EU, adopted on 26 June 2013, establishes comprehensive rules for the access and supervision of credit institutions and investment firms within the EU. This Directive aims to harmonise national provisions to ensure a cohesive governance framework and effective prudential oversight across member states. It outlines provisions governing the acquisition of qualifying holdings, governance structures, and the supervisory roles of national authorities while integrating relevant annexes from previous directives.

Additionally, the Directive mandates that institutions maintain sufficient capital buffers and outlines a coordinated supervisory approach to address risks effectively. It emphasises the need for robust liquidity management and risk assessment processes, reinforcing the principles aimed at financial stability and resilience in the banking sector. Compliance measures and penalties for breaches are also stipulated to uphold regulatory integrity.