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The impact of digital innovation on banks

Investment, good governance and strong data architecture are needed for digital innovation to boost banks’ business models, says Supervisory Board Chair Claudia Buch. A less fragmented banking market in Europe can provide sufficient scale for digital investments to pay off.

Read the Chair’s full speech
SPEECH 22 September 2026

The supervision-resolution continuum

The coordination established between supervision and resolution is key to preserving financial stability, says Supervisory Board member Pedro Machado. We must now complete the banking union, with its common European deposit insurance scheme, to create a genuine Single Market in banking.

Read Pedro Machado’s speech
PUBLICATION 18 September 2026

ECB publishes revised Guide to licence applications

The ECB has updated its Guide to licence applications. In line with the objectives of our “Next-level supervision” project, the revisions aim to clarify and streamline our guidance to licence applicants, including information on methodology and good practices.

See the full list of ECB supervisory guides
FRAUD 13 August 2026

Protect yourself from fraud

Scammers often attempt to trick people by misusing the ECB’s name and logo or impersonating its staff members. The ECB will never ask you for investments, money or personal information. Learn how to spot and avoid fraud, including fake emails, phone calls and social media profiles, and AI-generated scams.

Follow our fraud protection tips
15 September 2026
PRESS RELEASE
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31 July 2026
PRESS RELEASE
29 June 2026
PRESS RELEASE
Deutsch
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26 June 2026
PRESS RELEASE
Deutsch
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25 June 2026
PRESS RELEASE
Deutsch
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22 September 2026
SPEECH
Speech by Pedro Machado, Member of the Supervisory Board of the ECB, at the EUI Bank Resolution Academy
22 September 2026
SPEECH
Keynote speech by Claudia Buch, Chair of the Supervisory Board of the ECB, annual Foreign Bankers’ Association of the Netherlands conference
15 September 2026
SPEECH
Keynote speech by Claudia Buch, Chair of the Supervisory Board of the ECB, at the Watching European Financial Market Regulation and Supervision Conference, Goethe University Frankfurt
8 September 2026
SPEECH
Conversation between Frank Elderson, Vice-Chair of the Supervisory Board of the ECB and Member of the Executive Board of the ECB, and Marlene Schörner, Policy Fellow for EU Financial Markets at the Jacques Delors Centre at the “Fewer Rules or Fewer Borders? What Our Banks Need to Finance Europe’s Future’’ event organised by the Hertie School of Governance, Berlin
2 September 2026
SPEECH
Contribution by Claudia Buch, Chair of the Supervisory Board of the ECB, at the Bruegel Annual Meetings panel on “Future-proofing European banking”
16 September 2026
Contribution by Sharon Donnery, Member of the Supervisory Board of the ECB, for the Eurofi Magazine
16 September 2026
Contribution by Sharon Donnery, Member of the Supervisory Board of the ECB, for the Eurofi Magazine
28 July 2026
Interview with Sharon Donnery, member of the Supervisory Board of the ECB, conducted by Alexandros Velmachos
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23 June 2026
Interview with Sharon Donnery, Member of the Supervisory Board of the ECB, conducted by Thomas Chow on 11 June 2026
10 June 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 Daan Ballegeer and Rutger Betlem on 19 May 2026
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11 September 2026
Geopolitical risks are difficult to predict and can affect banks in many ways. The ECB’s 2026 reverse stress test highlights how banks can better understand their vulnerabilities, prepare for adverse scenarios and strengthen their resilience.
6 July 2026
ECB Banking Supervision is turning its reform agenda into concrete progress: making supervision more efficient, more effective and more risk-based, while continuing to preserve banks’ resilience.
26 June 2026
European banking supervision has reviewed over 130 publications to make them more concise and user friendly. Around 40 will be discontinued, others have been revised in a targeted manner, and several are undergoing a more in-depth review, including the guide on governance and risk culture.
8 May 2026
ECB Banking Supervision has updated its compendium of good practices for climate and nature-related risk management and stress testing. It leverages approaches that are already applied by different European banks to close gaps in areas such as physical risks, prudential transition planning, scenario analysis and nature related risks.
5 May 2026
ECB Banking Supervision has a second line of defence to carry out evaluations and reviews and help us learn from experience. A recent round table with international peers gave us the opportunity to reflect on what we have achieved so far and the challenges ahead.

Statistika o nadzorovanih bankah

Pomembne institucije (01/05/2026) 110
Bilančna vsota (v mrd EUR) 29,468.59
Skupaj lastniški kapital (v mrd EUR) 2,006.84
Donosnost lastniškega kapitala
(v %, preračunano na letno raven)
10.73
Referenčni datum: 2026-Q2 Nadzorniški podatki

Liquidity coverage ratio

Non-performing loans ratio

Excluding cash balances at central banks and other demand deposits
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