Andrea Enria, EBA Chairperson has given a speech on the Authority's 5th Anniversary. Ms Enria said the EBA's legacy thus far has been its capacity to act and take responsibility by shaping coordinated, EU-wide policy responses. The challenges for the EBA going forward were identified by her as: (i) monitoring the functioning of the Single Rulebook and enhancing proportionality; (ii) completing the adjustment in banks' balance sheets; and, (iii) digital banking and consumer protection.