• Speech
    Towards a European crisis management

    We need a consistent framework for managing crises of small and medium-sized banks, says Supervisory Board Chair Andrea Enria. Key ingredients are a European deposit insurance scheme, regulatory harmonisation, and European tools for the liquidation of banks of all sizes.

Our response to the coronavirus pandemic
15 January 2021 INTERVIEW

Credit risk is the main challenge ahead

Our relief measures have helped banks to provide new loans to crisis-hit firms, Supervisory Board member Édouard Fernandez-Bollo tells Revue Banque. Banks now need to adequately manage any fall in asset quality, also for exposures benefiting from moratoria or public guarantees.

12 January 2021 PUBLICATION

Supervisory approach to consolidation

The ECB will use its supervisory tools to facilitate sustainable consolidation among banks. We encourage banks to engage with supervisors early on and explain our expectations in a guide, which also benefited from banks’ input.

15/01/2021
Andrea Enria: Crisis management for medium-sized banks: the case for a European approach
Keynote speech by Andrea Enria, Chair of the Supervisory Board of the ECB, at the Banca d’Italia workshop on the crisis management framework for banks in the EU
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18/12/2020
Andrea Enria, Tommaso Padoa-Schioppa: A European supervisory system: from vision to reality
Speech by Andrea Enria, Chair of the Supervisory Board of the ECB, at the colloquium in commemoration of Tommaso Padoa-Schioppa
03/12/2020
Elizabeth McCaul: Bank boards and supervisory expectations
Introductory remarks by Elizabeth McCaul, Member of the Supervisory Board of the ECB, at the Florence School of Banking & Finance Online Seminar “Bank Boards and Supervisory Expectations”
30/11/2020
Pentti Hakkarainen: Digitalising banking supervision: an ongoing journey, not a final destination
Speech by Pentti Hakkarainen, Member of the Supervisory Board of the ECB, at the Supervision Innovators Conference
30/11/2020
Andrea Enria: Welcome address
Speech by Andrea Enria, Chair of the Supervisory Board of the ECB, at the Supervision Innovators Conference

All speeches

15/01/2021
Interview with Revue Banque
Interview with Édouard Fernandez-Bollo, Member of the Supervisory Board of the ECB, conducted by Laure Bergala on 11 December 2020 and published on 15 January 2021
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30/12/2020
Andrea Enria: Interview with Börsen-Zeitung
Interview with Andrea Enria, Chair of the Supervisory Board of the ECB, conducted by Bernd Neubacher and Tobias Fischer and published on 30 December 2020
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10/12/2020
Andrea Enria: Interview with viaSarfatti25
Interview with Andrea Enria, Chair of the Supervisory Board of the ECB, conducted by Jennifer Clark
28/11/2020
Andrea Enria: Interview with ERT
Interview with Andrea Enria, Chair of the Supervisory Board of the ECB, conducted by George Syriopoulos on 24 November 2020 and broadcast on 28 November 2020
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25/11/2020
Yves Mersch: Interview with Financial Times
Interview with Yves Mersch, Member of the Executive Board of the ECB and Vice-Chair of the Supervisory Board of the ECB, conducted by Martin Arnold on 23 November 2020

All interviews

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.

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.

All blog posts

21 December 2020 SUPERVISION. EXPLAINED.

Booking provisions to prepare for losses

A loan that looks unlikely to be repaid in full becomes non-performing and will probably generate a loss. Banks protect themselves against expected future losses by booking provisions. But what does provisioning mean in practice, and what is coverage for non-performing loans?

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