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SUPERVISION NEWSLETTER

Maximum harmonisation with minimal rules

Kilvar Kessler, ECB Supervisory Board member and Chair of Finantsinspektsioon, cautions that too many rules can stifle success. Our latest newsletter also covers the benefits of technology and how we are streamlining banks’ regular health checks with new reforms.

Read our Supervision Newsletter
PUBLICATION 12 May 2025

Resilience of European banks

Recent financial market developments are a clear reminder of how important a resilient and well-capitalised banking system is for the real economy, Supervisory Board Chair Claudia Buch tells the Eurogroup.

Read the statement
SPEECH 29 April 2025

One market, one rulebook

Supervisors, policymakers and banks must make a concerted effort to navigate today’s complex financial landscape, says Supervisory Board member Sharon Donnery. We should aim for a more coherent regulatory framework by reducing fragmentation and aligning rules across Europe.

Read Sharon Donnery's speech
CULTURAL DAYS 9 May 2025

Europe Day

9 May marked the 75th anniversary of the Schuman Declaration. In 1950, Robert Schuman proposed the creation of the European Coal and Steel Community – an important milestone which paved the way for the foundation of the EU. We celebrated by illuminating our main building in Frankfurt.

18 April 2025
PRESS RELEASE
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20 March 2025
PRESS RELEASE
20 January 2025
PRESS RELEASE
20 December 2024
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20 December 2024
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29 April 2025
SPEECH
Keynote speech by Sharon Donnery, Member of the Supervisory Board of the ECB, at the Handelsblatt Jahrestagung Bankenaufsicht
25 April 2025
SPEECH
Speech by Claudia Buch, Chair of the Supervisory Board of the ECB, The Brookings Institution
24 April 2025
SPEECH
Introductory remarks by Sharon Donnery, Member of the Supervisory Board of the ECB, at the Institute of International Finance
10 April 2025
SPEECH
Keynote speech by Sharon Donnery, Member of the Supervisory Board of the ECB, at the Delphi Economic Forum X
10 April 2025
SPEECH
Speech by Claudia Buch, Chair of the Supervisory Board of the ECB, Warsaw School of Economics
14 May 2025
Interview with Kilvar Kessler, Chair of Finantsinspektsioon and Member of the Supervisory Board of the ECB, Supervision Newsletter
11 April 2025
Interview with Claudia Buch, Chair of the Supervisory Board of the ECB, conducted by Nicholas Comfort and Laura Noonan on 9 April 2025
8 April 2025
Interview with Anneli Tuominen, Member of the Supervisory Board of the ECB, for the Eurofi Magazine
8 April 2025
Article by Patrick Montagner, Member of the Supervisory Board of the ECB, for Eurofi Magazine
8 April 2025
Article by Patrick Montagner, Member of the Supervisory Board of the ECB, for Eurofi Magazine
18 March 2025
As the normalisation of the Eurosystem balance sheet progresses, the aggregate amount of central bank liquidity available to banks in the euro area will fall over the coming years. This blog explains the role played by the Eurosystem’s refinancing operations within the operational framework for monetary policy implementation. The ECB, both as a monetary policy authority and as a supervisor, expects that banks should consider these operations as an integral part of their day-to-day liquidity management.
11 March 2025
Maintaining adequate levels of capital allows banks to provide stable financial services to the real economy and absorb losses in difficult times. This is why European law sets minimum capital requirements that all banks must meet. But banks also face risks that are not covered by these Pillar 1 requirements. This blog post explains how the ECB addresses these risks through its Pillar 2 requirements, and how we are changing our approach to ensure that banks remain safe and sound in an evolving risk landscape.
20 January 2025
Stress tests are of crucial importance to assess banks’ resilience under adverse economic conditions. In previous stress tests, however, some banks submitted overly optimistic projections. Despite thorough quality assurance by supervisors, this behaviour makes it more likely that the risks some banks face are underestimated. To address this, we are now taking a closer look at insufficiently prudent projection submissions. In line with our supervisory focus on banks’ risk data aggregation and reporting capabilities, we are also looking more closely at poor data quality issues in stress tests.
17 January 2025
Digitalisation is leading to efficiency gains for banks and improved services for their customers, but it is also bringing threats to operational resilience in the financial sector into sharper focus. The EU has developed a new regulation to keep these digital threats in check, that applies as of today. This blog post discusses how the new regulation makes the financial sector more resilient and outlines the implications for banks and their supervisors.
14 January 2025
Our supervisory priorities for 2025-27 focus on strengthening banks’ ability to withstand macro-financial and geopolitical shocks, and on ensuring that banks remediate material and persistent shortcomings in a timely manner and address emerging challenges. In this blog post, we explain how these priorities will help European supervisors navigate the evolving risk landscape.

Statistics on supervised banks

Significant institutions (01/03/2025) 114
Total assets (€ bn) 26,836.78
Total equity (€ bn) 1,884.27
Return on equity
(%, annualised)
9.54
Reference date: 2024-Q4 Supervisory data

Liquidity coverage ratio

Non-performing loans ratio

Excluding cash balances at central banks and other demand deposits
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