The Joint Committeethe committee of the EBA, EIOPA and ESMA of the European Supervisory Authorities has conducted open public consultations on the draft regulatory technical standards on which this Regulation is based, analysed the potential related costs and benefits and requested the advice of the Banking Stakeholder Groupa group as defined in Article 2, point (11), of Directive 2013/34/EU established in accordance with Article 37 of Regulation (EU) No 1093/2010 of the European Parliament and of the Council(2)Regulation (EU) No 1093/2010 of the European Parliament and of the Council of 24 November 2010 establishing a European Supervisory Authority (European Banking Authority), amending Decision No 716/2009/EC and repealing Commission Decision 2009/78/EC (OJ L 331, 15.12.2010, p. 12)., the Insurance and Reinsurance Stakeholder Groupa group as defined in Article 2, point (11), of Directive 2013/34/EU and the Occupational Pensions Stakeholder Groupa group as defined in Article 2, point (11), of Directive 2013/34/EU established in accordance with Article 37 of Regulation (EU) No 1094/2010 of the European Parliament and of the Council(3)Regulation (EU) No 1094/2010 of the European Parliament and of the Council of 24 November 2010 establishing a European Supervisory Authority (European Insurance and Occupational Pensions Authority), amending Decision No 716/2009/EC and repealing Commission Decision 2009/79/EC (OJ L 331, 15.12.2010, p. 48)., and the Securities and Markets Stakeholder Groupa group as defined in Article 2, point (11), of Directive 2013/34/EU established in accordance with Article 37 of Regulation (EU) No 1095/2010 of the European Parliament and of the Council (4)Regulation (EU) No 1095/2010 of the European Parliament and of the Council of 24 November 2010 establishing a European Supervisory Authority (European Securities and Markets Authority), amending Decision No 716/2009/EC and repealing Commission Decision 2009/77/EC (OJ L 331, 15.12.2010, p. 84)..