Publications on Banking sector

ECB Banking Supervision has updated its compendium of good practices for climate and nature-related risk management and stress testing. It leverages approaches that are already applied by different European banks to close gaps in areas such as physical risks, prudential transition planning, scenario analysis and nature related risks.

ECB Banking Supervision has a second line of defence to carry out evaluations and reviews and help us learn from experience. A recent round table with international peers gave us the opportunity to reflect on what we have achieved so far and the challenges ahead.

The European Commission’s consultation on bank competitiveness is an opportunity to ensure the banking sector is fit for the future. We need to promote integration and competition while safeguarding resilience.

The digital euro is a strategic investment in European autonomy, monetary sovereignty and financial resilience. It also serves as a springboard for innovative digitalisation strategies in retail payments and strengthens bank business models in the face of growing competition.

Banks are essential enablers of market integration and a key transmission channel between savings and investment. The SIU also represents a strategic opportunity for them to innovate their business, broaden their capital markets activities and benefit from a more dynamic economy.

Sustainable lending that supports economic growth benefits everyone: consumers, firms and banks. But bad loans are often made in good times, so banks must apply sound underwriting standards to prevent future NPLs. This is why we will conduct a thematic review in 2026.