Keynote speech by Claudia Buch, Chair of the Supervisory Board of the ECB, at the Banking Supervision Research Conference 2025 on “Technological innovations in financial markets – Risks and opportunities in banking and regulation”

Speech by Patrick Montagner, Member of the Supervisory Board of the ECB, at the 12th Annual IIF Colloquium on European Banking Regulation and Supervision

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

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

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.

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.