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ACCOUNTABILITY

Hearing at the European Parliament

The current challenges call for more Europe, not less, says Supervisory Board Chair Claudia Buch. Harmonising national rules would significantly improve integration, strengthen competitiveness and enhance the efficiency of the European banking sector.

Read the Chair’s introductory statement
SPEECH 14 October 2025

AI and supervision: innovation with caution

Banking supervision is adapting to technological change and embracing the opportunities that AI presents, says Supervisory Board member Pedro Machado. AI supports supervisory assessments, but it does not replace human judgement – and we are carefully managing the related risks.

Read Pedro Machado’s speech
SPEECH 1 October 2025

Preparedness gives banks a competitive edge

European banks have made good progress in identifying and managing climate and nature-related risks, says Supervisory Board Vice-Chair Frank Elderson. But they must remain well prepared to evolving risks. Preparedness also helps to keep seizing the opportunities presented by the transition.

Read Frank Elderson’s speech
PODCAST 14 October 2025

Climate at a crossroads: the need to act now

The prognosis on climate change is alarming: the remaining carbon budget to limit warming to 1.5°C is equivalent to three years of emissions at current rates. But why does this matter for the economy? Paul Gordon discusses this and more with Johan Rockström and Irene Heemskerk.

Listen to the latest episode of The ECB Podcast
17 September 2025
PRESS RELEASE
Deutsch
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15 September 2025
PRESS RELEASE
12 September 2025
PRESS RELEASE
Deutsch
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6 August 2025
PRESS RELEASE
Deutsch
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1 August 2025
PRESS RELEASE
14 October 2025
SPEECH
Speech by Pedro Machado, 10th anniversary ethics and conduct framework Banco de Portugal, Lisbon
13 October 2025
SPEECH
Introductory statement by Claudia Buch, Chair of the Supervisory Board of the ECB, at the Hearing of the Committee on Economic and Monetary Affairs of the European Parliament
7 October 2025
SPEECH
Speech by Pedro Machado, Member of the Supervisory Board of the ECB, at the conference organised by the Spanish Banking Association (AEB) and the Spanish Savings and Retail Banking Association (CECA)
1 October 2025
SPEECH
Keynote speech by Frank Elderson, Member of the Executive Board of the ECB and Vice-Chair of the Supervisory Board of the ECB, at the ECB industry dialogue on “Climate and nature risk management: taking stock and looking ahead”
30 September 2025
SPEECH
Keynote speech by Pedro Machado, Member of the Supervisory Board of the ECB, at the European Financial Institutions Conference
17 September 2025
Contribution by Patrick Montagner, Member of the Supervisory Board of the ECB, for Eurofi Magazine
13 August 2025
Interview with Pedro Machado, Member of the Supervisory Board of the ECB, Supervision Newsletter
16 July 2025
Interview with Anneli Tuominen, Member of the Supervisory Board of the ECB, conducted by Diogo Cavaleiro on 10 July 2025
English
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3 July 2025
Contribution by Patrick Montagner, Member of the Supervisory Board of the ECB, for Revue Banque
English
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4 June 2025
Interview with Claudia Buch, Chair of the Supervisory Board of the ECB, conducted by Eric Albert, Marc Angrand, Marie Charrel and Béatrice Madeline on 4 June 2025
English
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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.
15 September 2025
Most banks have made good progress in reducing their non-performing loans. However, some smaller banks are still burdened by significant amounts of these loans. To tackle this issue, the ECB and the national supervisors have developed a draft Guideline for public consultation.
8 September 2025
We are taking concrete steps to streamline and simplify European banking supervision, while safeguarding the resilience we have worked so hard to build.
5 September 2025
The results of this year’s stress test of euro area banks, published in August, offer insights into how banks would fare under difficult economic conditions. They show that the European banking sector would remain resilient when faced with a hypothetical adverse macroeconomic scenario. Stress tests are a key tool for assessing banks’ ability to withstand economic shocks. In today’s environment of high uncertainty, banks and supervisors must also use additional tools to scan the horizon and respond to emerging risks.
11 July 2025
European banks have made forward strides in managing climate and nature-related risks. But more still needs to be done as we often see that practices are only applied to a subset of relevant exposures, geographic areas and risk categories. To help banks improve further, later this year the ECB will publish an updated set of good practices observed in banks across Europe. European banks are well positioned to meet the prudential transition plan requirements, which the ECB will approach in a gradual and tailored manner.

Statistics on supervised banks

Significant institutions (01/07/2025) 114
Total assets (€ bn) 27,749.65
Total equity (€ bn) 1,916.45
Return on equity
(%, annualised)
10.11
Reference date: 2025-Q2 Supervisory data

Liquidity coverage ratio

Non-performing loans ratio

Excluding cash balances at central banks and other demand deposits
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