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    Restructuring debt

    Supervisory relief measures have created capital space for banks to adopt tailor-made debt restructuring measures, says Supervisory Board Chair Andrea Enria. Acting early is good for banks and borrowers. If banks “wait and see” this could lead to bankruptcies at a later stage.

Our response to the coronavirus pandemic
14 May 2021 PRESS RELEASE

Supervising securitisation requirements

We are taking on new supervisory tasks in the area of securitisation. They relate to risk retention, transparency and the ban on re-securitisation. This helps in implementing the regulatory framework for a well-functioning securitisation market.

14 May 2021 THE SUPERVISION BLOG

Fostering compliance

Our sanctioning powers help to ensure that banks comply with regulatory requirements, say Supervisory Board member Edouard Fernandez-Bollo and Director General Pedro Gustavo Teixeira. This in turn creates confidence in the soundness of the banking system.

03/05/2021
Andrea Enria: Basel III implementation: the last mile is always the hardest
Speech by Andrea Enria, Chair of the Supervisory Board of the ECB, at the Marco Fanno Alumni online conference
29/04/2021
Frank Elderson: All the way to zero: guiding banks towards a carbon-neutral Europe
Keynote speech by Frank Elderson, Vice-Chair of the Supervisory Board and Member of the Executive Board of the ECB, at the conference on “The Role of Banks in Greening Our Economies” organised by the European Bank for Reconstruction and Development and Hrvatska narodna banka
23/03/2021
Andrea Enria: Hearing at the European Parliament’s Economic and Monetary Affairs Committee
Introductory statement by Andrea Enria, Chair of the Supervisory Board of the ECB
18/03/2021
Elizabeth McCaul: NPL management and the COVID-19 crisis
Speech by Elizabeth McCaul, Member of the Supervisory Board of the ECB, at the NPL Summit 2021, Athens
16/03/2021
Andrea Enria: European banks in the post-COVID-19 world
Speech by Andrea Enria, Chair of the Supervisory Board of the ECB, at the Morgan Stanley Virtual European Financials Conference

All speeches

12/05/2021
Andrea Enria: Interview with Ta Nea
Interview with Andrea Enria, Chair of the Supervisory Board of the ECB, conducted by Maria Vasileiou and published on 12 May 2021
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08/05/2021
Frank Elderson: Interview with Het Financieele Dagblad
Interview with Frank Elderson, Member of the Executive Board of the ECB, conducted by Annemiek Leclaire
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06/05/2021
Andrea Enria: Interview with Reuters
Interview with Andrea Enria, Chair of the Supervisory Board of the ECB, conducted by Francesco Canepa, Balazs Koranyi and Frank Siebelt
12/03/2021
Andrea Enria: Interview with ORF
Interview with Andrea Enria, Chair of the Supervisory Board of the ECB, conducted by Stefan Hartl on 8 March 2021 and broadcast on 8 March 2021
01/03/2021
Andrea Enria: Interview with Le Monde
Interview with Andrea Enria, Chair of the Supervisory Board of the ECB, conducted by Véronique Chocron on 10 February 2021 and published on 1 March 2021
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All interviews

14/05/2021
Edouard Fernandez-Bollo: Fostering a compliance culture in the European banking system
Blog post by Edouard Fernandez-Bollo, Member of the Supervisory Board of the ECB, and Pedro Gustavo Teixeira, Director General SSM Governance and Operations

Summary

Our sanctioning powers help to ensure that banks comply with regulatory requirements, say Supervisory Board member Edouard Fernandez-Bollo and Director General Pedro Gustavo Teixeira. This in turn creates confidence in the soundness of the banking system.

04/12/2020
Elizabeth McCaul: Who pays the piper calls the tune: The need for and benefit of strong credit risk management
Blog post by Elizabeth McCaul, Member of the Supervisory Board of the ECB

Summary

Strong credit risk management to avoid bad loans piling up now will maximise value, avoid cliff effects and reduce the risk of procyclical effects, writes Supervisory Board member Elizabeth McCaul. Inaction would disrupt the supply of credit and liquidity and delay the recovery.

09/10/2020
Andrea Enria, Edouard Fernandez-Bollo: Fostering the cross-border integration of banking groups in the banking union
By Andrea Enria, Chair of the Supervisory Board of the ECB, and Edouard Fernandez-Bollo, Member of the Supervisory Board of the ECB

Summary

We need to foster the integration of cross-border banking groups to ensure that timely liquidity support is provided within them, Andrea Enria and Edouard Fernandez-Bollo say in our latest blog post. To achieve this, recovery plans could be strengthened by using group support agreements.

28/07/2020
Andrea Enria: The coronavirus crisis and ECB Banking Supervision: taking stock and looking ahead
By Andrea Enria, Chair of the Supervisory Board of the ECB

Summary

Euro area banks are resilient to the stress caused by the coronavirus crisis, our analysis shows. The assessment of the results justifies our decision to extend our dividend recommendation. Supervisory Board Chair Andrea Enria also clarifies the timeline for banks to replenish capital and liquidity buffers.

09/07/2020
Yves Mersch: Brexit: banks must prepare for the end of the transition period
Blog post by Yves Mersch, Member of the Executive Board of the ECB and Vice-Chair of the Supervisory Board of the ECB

Summary

The ECB will continue to engage with all banks affected by Brexit to ensure that they achieve their target operating models in a timely manner, says Supervisory Board Vice-Chair Yves Mersch. We will not accept banks attempting to operate as empty shells.

All blog posts

12 May 2021 PODCAST

Tackling climate change as a central bank

How can we as a central bank contribute to tackling climate change? What's our role as a central bank and supervisor?

Our new host Katie Ranger discusses these questions with Executive Board member Isabel Schnabel and Supervisory Board Vice-Chair Frank Elderson on The ECB Podcast.

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Our online supervisory services are just a few clicks away! Use the banking supervision portal to launch and follow supervisory processes online, to exchange content with ECB staff, or to report a suspected breach of EU banking supervision law through the whistleblowing platform.

Multimedia

  • Fourth ESRB annual conference: Keynote speech:

    Fourth ESRB annual conference: Keynote speech: "The future of stress testing"

  • Why is it important for banks to reduce bad loans?

    Why is it important for banks to reduce bad loans?

  • Youth Dialogue with Andrea Enria and Elisa Ferreira, Lisbon, July 2019

    Youth Dialogue with Andrea Enria and Elisa Ferreira, Lisbon, July 2019

  • Hear from the students: ECB Youth Dialogue with Danièle Nouy and Sabine Lautenschläger

    Hear from the students: ECB Youth Dialogue with Danièle Nouy and Sabine Lautenschläger

  • Banking Supervision at the European Central Bank

    Banking Supervision at the European Central Bank

  • Single Supervisory Mechanism

    Single Supervisory Mechanism