The European Banking Authority (EBA) is an independent EU agency ensuring consistent prudential regulation and supervision across the European banking sector. It aims to maintain financial stability and promote a harmonized application of rules through the Single Rulebook. Services include stress tests, risk assessments, and guidelines for supervisory practices. The target audience is EU member states' financial institutions and regulatory bodies. The EBA's unique selling proposition is its ability to harmonize banking regulations, ensuring a level playing field and protecting depositors and consumers by setting binding technical standards.