AI adoption in banks: governance is key
Banks should prioritise digitalisation to strengthen their competitiveness and effectively manage risks stemming from new technologies, says Supervisory Board member Pedro Machado. The growing use of AI tools calls for strong governance, clear accountability and risk management.
Read the speech
Competitiveness starts with resilience
Resilience is essential for a competitive banking system, says Supervisory Board member Patrick Montagner. Our supervision aims to ensure that banks remain strong and can keep lending to support the economy, especially in times of crisis or uncertainty.
Read Patrick Montagner’s interview with MLex
Inside euro area banks
How safe is your bank? As the world evolves, geopolitical tensions, AI and cyber threats are changing the risks that banks face. So how can euro area banks best manage these risks? Our host Stefania Secola speaks to Supervisory Board Chair Claudia Buch to find out.
Listen to the latest episode of The ECB Podcast- 19 February 2026
- PRESS RELEASE
- 17 February 2026
- PRESS RELEASE
- 13 February 2026
- PRESS RELEASE
- 11 February 2026
- PRESS RELEASE
- 16 January 2026
- PRESS RELEASE
- 24 February 2026
- SPEECHKeynote speech by Pedro Machado, KPMG RiskTech Conference
- 11 February 2026
- SPEECHWelcome address by Claudia Buch, Chair of the Supervisory Board of the ECB, at the European University Institute – residential policy workshop on AMLA and the reshaping of money laundering supervision in the EU
- 3 February 2026
- SPEECHKeynote speech by Patrick Montagner, Member of the Supervisory Board of the ECB, at the 10th Annual FinTech and Regulation Conference
- 28 January 2026
- HEARINGS AT THE EUROPEAN PARLIAMENTFrank Elderson: Hearing of the Committee on Economic and Monetary Affairs of the European ParliamentIntroductory statement by Frank Elderson, Member of the Executive Board of the ECB and Vice-Chair of the Supervisory Board of the ECB, at the Hearing of the Committee on Economic and Monetary Affairs of the European Parliament
- 19 January 2026
- SPEECHPresentation by Sharon Donnery, Member of the Supervisory Board of the ECB, at "Finance Focus" event organised by Bruegel
- 19 February 2026
- Interview with Frank Elderson, Member of the Executive Board of the ECB and Vice-Chair of the Supervisory Board of the ECB, conducted by Laura Noonan and Nick Comfort on 17 February 2026
- 11 February 2026
- Interview with George Ioannou, Member of the Supervisory Board of the ECB and Director of Supervision of Credit Institutions at the Central Bank of Cyprus, Supervision Newsletter
- 10 February 2026
- Interview with Patrick Montagner, Member of the Supervisory Board of the ECB, conducted by Fanny Roux on 3 February 2026
- 9 February 2026
- Interview with Sharon Donnery, Member of the Supervisory Board of the ECB, conducted by Sarah Collins on 29 January 2026
- 3 February 2026
- Interview with Patrick Montagner, Member of the Supervisory Board of the ECB, conducted by Franck Joselin, Fabrice Anselmi, Séverine Charon and Camille George
- 24 February 2026
- Sustainable lending that supports economic growth benefits everyone: consumers, firms and banks. But bad loans are often made in good times, so banks must apply sound underwriting standards to prevent future NPLs. This is why we will conduct a thematic review in 2026.
- 22 January 2026
- ECB Banking Supervision’s priorities for 2026-28 focus on strengthening banks’ ability to withstand external shocks and fostering their operational resilience. This blog post explains our strategic adjustments and our key focus areas.
- 16 December 2025
- A fast-changing risk environment requires resilience and adaptability. Banks need to respond to evolving risks to remain resilient and able to serve the economy. Supervisors need to reduce undue complexities by increasing efficiency, effectiveness and risk focus. This blog post explains how we are reforming European banking supervision to continue to protect the safety and soundness of banks.
- 25 November 2025
- The demographic environment in which banks operate is changing. Understanding the implications of ageing populations for banks may help ensure that the financial sector remains adaptable as Europe navigates a new demographic era.
- 19 September 2025
- The macroprudential framework developed in the aftermath of the global financial crisis has lived up to the promise of making the financial system more resilient. However, recent experience also suggests that there is room for improvement in its design and operation.
- 11 February 2026
- OTHER PUBLICATION
- 11 February 2026
- NEWSLETTER
- 11 February 2026
- NEWSLETTER
- 11 February 2026
- NEWSLETTER
- 11 February 2026
- NEWSLETTER
Statistics on supervised banks
| Significant institutions (01/11/2025) | 112 | |
| Total assets (€ bn) | 27,826.02 | |
| Total equity (€ bn) | 1,949.10 | |
| Return on equity (%, annualised) |
9.88 |