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SPEECH

The key for more competitive banks

Banks need to keep adapting to stay competitive, says Supervisory Board member Patrick Montagner. While good regulation and supervision level the playing field for banks, sustainable business models and investment in IT and digitalisation are key to staying profitable.

Read Patrick's speech
SPEECH 26 November 2024

Keeping Europe’s banks competitive

A secure financial system is essential for long-term competitiveness, says Supervisory Board member Elizabeth McCaul. We should not see safety and competitiveness as opposing forces; they are both necessary for resilience. Digital transformation is the key to staying competitive.

Read Elizabeth's speech
INTERVIEW 22 November 2024

What lies ahead for European banks?

The banking sector remains strong, says Supervisory Board member Anneli Tuominen. Nonetheless, supervisors must ensure that banks manage the changing risk landscape, focusing on geopolitical, digital and IT-related risks, operational resilience and the green transition.

Read Anneli's Q&A
EXPLAINER 6 December 2024

What are periodic penalty payments?

Periodic penalty payments are an enforcement measure the ECB can use to get banks to meet requirements in supervisory decisions or regulations. If imposed, the bank must pay a penalty for every day that it fails to fulfil a requirement, for a period of up to six months.

Read our explainer
5 December 2024
SPEECH
Keynote speech by Patrick Montagner, Member of the Supervisory Board of the ECB, at the 11th Institute of International Finance (IIF) Colloquium on European Banking Regulation and Supervision
26 November 2024
SPEECH
Keynote speech by Elizabeth McCaul, Member of the Supervisory Board of the ECB, at the European Banking Federation Executive Committee meeting
21 November 2024
SPEECH
Speech by Frank Elderson, Member of the Executive Board of the ECB and Vice-Chair of the Supervisory Board of the ECB, at the University of Cyprus, Nicosia
21 November 2024
SPEECH
Speech by Claudia Buch, Chair of the Supervisory Board of the ECB, ESM/CEBRA conference “The Role of Central Banks and International Financial Institutions in the Transition Towards a Low-Carbon Economy”
19 November 2024
SPEECH
Speech by Frank Elderson, Member of the Executive Board of the ECB and Vice-Chair of the Supervisory Board of the ECB, at the tenth Green Finance Forum “Innovate in Nature”
22 November 2024
Conversation between Anneli Tuominen, Member of the Supervisory Board of the ECB, and Kian Abouhossein, Managing Director at JP Morgan, at the inaugural European Financials Conference hosted by JP Morgan
5 November 2024
Interview with Claudia Buch, Chair of the Supervisory Board of the ECB, conducted by Isabella Bufacchi, Thibaut Madelin, Yasmin Osman, Andres Stumpf
8 October 2024
Interview with Frank Elderson, Member of the Executive Board of the ECB and Vice-Chair of the Supervisory Board of the ECB, conducted by Miha Jenko
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10 September 2024
Contribution by Elizabeth McCaul, Member of the Supervisory Board of the ECB, for Eurofi Magazine
10 September 2024
Contribution by Elizabeth McCaul, Member of the Supervisory Board of the ECB, for Eurofi Magazine
26 July 2024
The importance of cyber resilience in protecting our banking sector cannot be overstated: the current landscape poses a variety of cyber threats, from cybercrime to sophisticated state-sponsored attacks. The results of our recent stress test will help us strengthen the way supervised banks manage cyber risk, to set the stage for a resilient banking future.
24 July 2024
Where do banks’ governance and risk culture stand after ten years of European supervision? Despite improvements, the ECB has concluded that there is still progress to be made. That’s why we are publishing a Guide on governance and risk culture outlining supervisory expectations and good practices.
11 July 2024
Assessing how banks implement their digitalisation activities and manage the related risks has been one of the ECB’s supervisory priorities in recent years. We have now completed a key milestone for defining assessment criteria and in gathering sound practices. The Supervision Blog looks at this important step.
28 May 2024
The Supervisory Board has decided to update its annual health check of banks, the Supervisory Review and Evaluation Process. Triggered by structural shifts, new risks and external shocks, the changes aim at making the SREP more efficient and effective.
8 May 2024
Materiality assessments are not just a “nice to have” – knowing your risks is a precondition for being able to address them. Most banks have now drawn up materiality assessments that are in line with our supervisory expectations. This is good news, but it is only the first step. A great deal more work lies ahead. By the end of this year, we expect all banks under our supervision to be fully aligned with all our supervisory expectations on the sound management of C&E risks.

Statistics on supervised banks

Significant institutions (01/09/2024) 113
Total assets (€ bn) 26,607.55
Total equity (€ bn) 1,792.13
Return on equity
(%, annualised)
10.11
Reference date: 2024-Q2 Supervisory data

Liquidity coverage ratio

Non-performing loans ratio

Excluding cash balances at central banks and other demand deposits
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