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SUPERVISION NEWSLETTER

“Steering a race car camouflaged as a tanker”

Andrea Enria reflects on his five-year term as Chair of the Supervisory Board in our Supervision Newsletter. The latest edition also covers IT and cybersecurity risk, developments in the post-Brexit banking landscape and the role of supervisory technology in the digital age.

Supervision Newsletter
INTERVIEW 21 November 2023

Navigating heightened cyber threats

Banks must prepare for new threats like disinformation campaigns and cyberattacks, says Supervisory Board member Anneli Tuominen. In 2024, the ECB’s first cyber stress test will help banks understand their risk profile and how to adapt to a new and complex threat landscape.

Read the interview
SPEECH 14 November 2023

Banks must meet climate and environmental expectations

Some banks have not delivered within the interim deadlines to assess their climate and environmental risks, says Supervisory Board Vice-Chair Elderson. We have told them to remedy this by a certain date, and if they don’t comply, they will have to pay a daily penalty until the shortcomings are resolved.

Read the speech
BANKING SUPERVISION FORUM 23 November 2023

Europe: banking on resilience

Our Forum on Banking Supervision takes place on 30 November and 1 December. Panellists will discuss banks’ resilience to new risks, modern supervision and the road ahead for bankers and policymakers. Check out the programme and follow the wide-ranging discussions online.

Find out more
14 November 2023
SPEECH
Keynote speech by Frank Elderson, Member of the Executive Board of the ECB and Vice-Chair of the Supervisory Board of the ECB, at the conference on “The decade of sustainable finance: half-time evaluation”
14 November 2023
SPEECH
Speech by Andrea Enria, Chair of the Supervisory Board of the ECB, at the Conference on MiCAR and its coordination with EU financial markets legislation, jointly organised by Ca’ Foscari University of Venice and Banca d’Italia
7 November 2023
HEARINGS AT THE EUROPEAN PARLIAMENT
Introductory statement by Andrea Enria, Chair of the Supervisory Board of the ECB
30 October 2023
SPEECH
Speech by Andrea Enria, Chair of the Supervisory Board of the ECB, at the London School of Economics, Financial Markets Group
20 October 2023
SPEECH
Speech by Elizabeth McCaul, Member of the Supervisory Board of the ECB, at the conference “SSM Regulation, ten years since” organised by Banca d’Italia
21 November 2023
Interview with Anneli Tuominen, Member of the Supervisory Board of the ECB, conducted by Tobias Fischer
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15 November 2023
Interview with Andrea Enria, Chair of the Supervisory Board of the ECB, Supervision Newsletter
12 November 2023
Interview with Elizabeth McCaul, Member of the Supervisory Board of the ECB, conducted by Panagiotis Rougkalas
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30 October 2023
Interview with Andrea Enria, Chair of the Supervisory Board of the ECB, conducted by Martin Arnold and Laura Noonan
2 October 2023
Interview with Andrea Enria, Chair of the Supervisory Board of the ECB, conducted by Wim Mijs, CEO of the European Banking Federation on 28 September 2023
10 October 2023
Blog post by Elizabeth McCaul, Member of the Supervisory Board of the ECB, and Korbinian Ibel, Director General of Universal & Diversified Institutions
Details
Summary
Ever since it began supervising banks, addressing the issue of non-performing loans (NPLs) has been a key priority for the ECB and remains so today. That is why we are very concerned about legislative proposals which could undermine the effective resolution of NPLs, Elizabeth McCaul and Korbinian Ibel write.
20 July 2023
Blog post by Frank Elderson, Member of the Executive Board of the ECB and Vice-Chair of the Supervisory Board of the ECB
Details
Summary
Effective management bodies are the bedrock of well-run banks, and well-run banks are the bedrock of a stable banking system, writes Supervisory Board Vice-Chair Frank Elderson in The Supervision Blog. We will continue our efforts to strengthen banks’ management bodies.
8 June 2023
Blog post by Frank Elderson, Member of the Executive Board of the ECB and Vice-Chair of the Supervisory Board of the ECB
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Summary
Humanity needs nature to survive, and so do the economy and banks. The more species become extinct, the less diverse are the ecosystems on which we rely. This presents a growing financial risk that cannot be ignored, warns Frank Elderson, member of the Executive Board of the ECB and Vice-Chair of the Supervisory Board of the ECB.
26 May 2023
Blog post by Elizabeth McCaul, Member of the Supervisory Board of the ECB, and Stefan Walter, Director General of Horizontal Line Supervision
Details
Summary
How can banks best quantify new, unknown risks like supply chain risks and judge how much capital to set aside for them? Supervisory Board member Elizabeth McCaul and head of horizontal supervision Stefan Walter discuss this in a blog post on IFRS 9 provisioning frameworks.
9 May 2023
Blog post by By Frank Elderson and Elizabeth McCaul
Details
Summary
Diversity is a matter of sound governance for banks and leads to better decision-making. That is why Frank Elderson, Member of the Executive Board of the ECB and Vice-Chair of the Supervisory Board of the ECB, and Elizabeth McCaul, Member of the Supervisory Board of the ECB, are encouraging banks to improve the diversity of their boards.

Statistics on supervised banks

Significant institutions (01/03/2023) 109
Total assets (€ bn) 26,338.83
Total equity (€ bn) 1,714.32
Return on equity
(%, annualised)
10.04
Reference date: 2023-Q2 Supervisory data

Liquidity coverage ratio

Non-performing loans ratio

Excluding cash balances at central banks and other demand deposits
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