Conversation between Pedro Machado, Member of the Supervisory Board of the ECB, and Kian Abouhossein, Managing Director at JP Morgan, at the European Financials Conference hosted by JP Morgan on 21 November 2025

Keynote speech by Claudia Buch, Chair of the Supervisory Board of the ECB, at the 2025 EBA Policy Research Workshop on “Bridging capital and growth – the role of financial structures and intermediaries”

Speech by Anneli Tuominen, Member of the Supervisory Board of the ECB, at the conference “The Current Hybrid Threat Environment and Financial Stability”, jointly organised by Commerzbank and the European Centre of Excellence for Countering Hybrid Threats

Speech by Claudia Buch, Chair of the Supervisory Board of the ECB, at the press conference on the 2025 SREP results and the supervisory priorities for 2026-28

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 Forum on Banking Supervision 2025

Interview with Frank Elderson, Member of the Executive Board of the ECB and Vice-Chair of the Supervisory Board of the ECB, conducted by Andrés Stumpf on 4 November 2025

Interview with Pedro Machado, Member of the Supervisory Board of the ECB, conducted by Diana Ramos on 13 October 2025

Contribution by Patrick Montagner, Member of the Supervisory Board of the ECB, for Eurofi Magazine

Interview with Pedro Machado, Member of the Supervisory Board of the ECB, Supervision Newsletter

Interview with Anneli Tuominen, Member of the Supervisory Board of the ECB, conducted by Diogo Cavaleiro on 10 July 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.

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.

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.

We are taking concrete steps to streamline and simplify European banking supervision, while safeguarding the resilience we have worked so hard to build.

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.