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INTERVIEW

Bank exposures to the Middle East largely contained

The direct aggregate exposure of euro area banks to Israel and Iran is very modest in terms of lending and deposit taking – exposures are largely contained even factoring in neighbouring countries, Supervisory Board member Pedro Machado tells Reuters.

Read the interview with Mr Machado
SUPERVISION BLOG 6 March 2026

Advancing the savings and investments union

We need to deepen financial integration in Europe, writes Supervisory Board member Pedro Machado. The savings and investments union is an opportunity for banks to innovate their business models, broaden capital market activities and benefit from a stronger European economy.

Read The Supervision Blog
SPEECH 4 March 2026

Growth requires less fragmentation

To support growth and maintain economic relevance, Europe needs stronger financial integration - not weaker regulations, says Supervisory Board member Patrick Montagner.

Read Patrick Montagner’s speech
PODCAST 16 February 2026

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
4 March 2026
SPEECH
Speech by Patrick Montagner, Member of the Supervisory Board of the ECB, at an Institute of International Finance roundtable on “Growth and Competitiveness: Enhancing the EU Banking Regulatory Framework”
25 February 2026
SPEECH
Keynote speech by Pedro Machado, at the PWC European Conference “Inspiring Credit Risk: New Season, New Spirit – Shaping the future of Credit Risk Management”
24 February 2026
SPEECH
Keynote speech by Pedro Machado, KPMG RiskTech Conference
11 February 2026
SPEECH
Welcome 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
SPEECH
Keynote speech by Patrick Montagner, Member of the Supervisory Board of the ECB, at the 10th Annual FinTech and Regulation Conference
5 March 2026
Interview with Pedro Machado, Member of the Supervisory Board of the ECB, conducted by Francesco Canepa on 3 March 2026
27 February 2026
Contribution by Claudia Buch, Chair of the Supervisory Board of the ECB, prepared for Forum on Financial Supervision (LSE)[1]
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
6 March 2026
Banks are essential enablers of market integration and a key transmission channel between savings and investment. The SIU also represents a strategic opportunity for them to innovate their business, broaden their capital markets activities and benefit from a more dynamic economy.
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.

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
Reference date: 2025-Q3 Supervisory data

Liquidity coverage ratio

Non-performing loans ratio

Excluding cash balances at central banks and other demand deposits
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