The New IRB Playbook: Preparing for October 1, 2026
The IRB approval queue is ending. Is your bank ready for what comes next?
On October 1, 2026, the ECB shifts to ex-post supervision for material IRB model changes. More speed for your business and total accountability for your internal control function. This 15-page guide explains what changes in plain language, plus a 15-question self-check to see where you stand.
WHAT'S INSIDE
✓ How the IRB approval queue got broken and why the ECB is changing it
✓ The three shifts you need to understand: speed, accountability, capital floor
✓ What "credible confirmation" actually looks like in practice
✓ Five pitfalls between now and October 1
✓ A 15-question self-check for your team
✓ Scoring guidance and a clear next step
About the
Author(s)
Jos Gheerardyn is the co-founder and Chief Executive Officer (CEO) of Yields. Prior to his current role, he worked as both a manager and an analyst in the field of quantitative finance. With nearly 20 years of experience, he has worked with leading international investment banks and start-up companies. Jos is the author of multiple patents that apply quantitative risk management techniques to the energy balancing market. Jos holds a PhD in superstring theory from the University of Leuven.
