• Speech
    Technology exposes banks’ vulnerabilities

    Euro area banks must pursue ambitious digital transformation plans to keep their business models sustainable and to offer competitive services, says Supervisory Board member Pentti Hakkarainen. State-of-the-art technology is key to keeping pace with digital disruption.

Our response to the coronavirus pandemic
25 September 2020 INTERVIEW

Banks should monitor impact of payment breaks

Payment breaks have been an essential part of the response to the coronavirus crisis. However, banks need to avoid the build-up of unrecognised non-performing loans and keep distinguishing between good customers and bad ones that are unlikely to pay, says Supervisory Chair Andrea Enria.

18 September 2020 PUBLICATION

Guide on counterparty credit risk models

The ECB is publishing its final guide explaining how it assesses whether the models banks use to calculate counterparty credit risk comply with requirements. Comments received during the public consultation earlier this year were taken into account.

24/09/2020
European banking supervision measures in the context of the coronavirus (COVID-19) pandemic
Presentation by Edouard Fernandez-Bollo, Member of the Supervisory Board of the ECB, at the Salzburg Global Finance Forum Webinar
16/09/2020
Pentti Hakkarainen: Technology exposes banks’ vulnerabilities
Speech by Pentti Hakkarainen, Member of the Supervisory Board of the ECB, at the Institute of International Finance Digital Interchange: The Global Dialogue on Digital Finance
11/09/2020
Yves Mersch: Supervisory action in times of crisis and the limits of the ECB’s prudential mandate
Introductory statement by Yves Mersch, Member of the Executive Board of the ECB and Vice-Chair of the Supervisory Board of the ECB, at the Eurofi Financial Forum in Berlin
29/07/2020
Andrea Enria: Transcript of the media briefing on July 28, 2020 (with Q&A)
Andrea Enria, Chair of the Supervisory Board of the ECB, Frankfurt am Main, 28 July 2020
21/07/2020
Supervisory approach to consolidation
Presentation by Edouard Fernandez-Bollo, Member of the Supervisory Board of the ECB, at an online debate organised by the Florence School of Banking & Finance

All speeches

25/09/2020
Andrea Enria: Interview with RTE Morning Ireland
Interview with Andrea Enria, Chair of the Supervisory Board of the ECB, conducted by Gillian Stedman on 24 September 2020 and published on 25 September 2020
12/08/2020
Edouard Fernandez-Bollo: “Consolidation can secure safe and sound banks”
Edouard Fernandez-Bollo, ECB representative to the Supervisory Board, Supervison Newsletter
23/06/2020
Andrea Enria: Interview with Il Sole 24 Ore
Interview with Andrea Enria, Chair of the Supervisory Board of the ECB, conducted by Fabio Tamburini and published on 23 June 2020
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13/05/2020
Andrea Enria: “The current crisis is a wake-up call”
Interview with Andrea Enria, Chair of the Supervisory Board of the ECB, Supervision Newsletter
20/04/2020
Andrea Enria: Interview with El Confidencial
Interview with Andrea Enria, Chair of the Supervisory Board of the ECB, conducted by Jorge Zuloaga on 16 April and published on 20 April 2020
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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.

07/07/2020
Kerstin af Jochnick: Supervising the new normal
Blog post by Kerstin af Jochnick, Member of the Supervisory Board of the ECB

Summary

How do we ensure that supervision remains effective during the crisis, and which aspects will be crucial in determining the shape of the EU banking sector in the medium term? These are the key questions supervisors must now answer, writes Supervisory Board member Kerstin af Jochnick.

01/07/2020
Edouard Fernandez-Bollo: Clarifying the ECB’s supervisory approach to consolidation
Blog post by Édouard Fernandez-Bollo, Member of the Supervisory Board of the ECB

Summary

As the ECB publishes its draft Guide on consolidation in the banking sector, Supervisory Board member Edouard Fernandez-Bollo explains in his blog post the key aspects of how the ECB assesses consolidation projects involving euro area banks.

12/05/2020
Elizabeth McCaul: A pragmatic SREP delivers appropriate supervision for the crisis
Blog post by Elizabeth McCaul, Member of the Supervisory Board of the ECB

Summary

The 2020 supervisory review takes a pragmatic approach while aiming to maintain an accurate view of banks’ soundness, writes Supervisory Board member Elizabeth McCaul. We focus on how banks manage risks to capital and liquidity, and intend to keep Pillar 2 requirements and guidance stable.

All blog posts

1 July 2020 PUBLIC CONSULTATION

Supervisory approach to consolidation

Interested parties are invited to comment on the draft Guide on the supervisory approach to consolidation in the banking sector. In the Guide the ECB clarifies how supervisors assess consolidation projects involving euro area banks.

The consultation is open until 1 October 2020.

ENFORCEMENT

Whistleblowing

Use the ECB’s online whistleblowing platform to report a suspected breach of EU banking supervision law.

Multimedia

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    Why is it important for banks to reduce bad loans?

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

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

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    Banking Supervision at the European Central Bank

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    Single Supervisory Mechanism