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How is the annual supervisory fee calculated?

The ECB calculates the annual expenditure on its supervisory tasks to determine the total amount of annual supervisory fees.

Total annual fees

How much does each bank pay?

The annual supervisory fee for each bank consists of:

  • a minimum fee component
  • a variable fee component

Minimum fee component

The minimum fee component is based on a fixed percentage of the total amount of annual fees for significant and less significant banks.

Minimum fee component
Significant banks

The fixed percentage is 10% of the total amount of annual fees for significant banks and is split equally among the fee debtors in this category.

For smaller significant institutions with total assets of €10 billion or less at the highest level of consolidation, the minimum fee component is halved.

Less significant banks

The fixed percentage is 10% of the total amount of annual fees for less significant banks and is split equally among the fee debtors in this category.

For smaller less significant institutions with total assets of €1 billion or less at the highest level of consolidation, the minimum fee component is halved.

What determines the variable fee component?

The variable fee component is what remains of the total amount of annual fees after the minimum fee component (including the discount granted to smaller banks in each category) is deducted.

Each bank pays a share of this amount based on its importance and risk profile. This means that larger and riskier banks have a higher variable fee component.

Estimate your fee

The information in this section is provided for indicative purposes only, with a view to helping you to estimate your fee. The ECB will calculate your actual fee on the basis of the fee factors you provide, and the exact amount levied by the ECB will be indicated in your annual supervisory fee notice.

The fee estimation calculator below uses expected costs for the fee period, whereas the actual fees levied by the ECB are based on actual costs incurred. Moreover, data on the average number of fee debtors and their fee factors will not be known until those fees are actually levied, so the estimation calculator uses data on fee debtors and fee factors for the previous year. Therefore, the fee estimate is only indicative.

Furthermore, retroactive corrections are made to fees when a bank’s situation changes after the cut-off date for the annual calculation of supervisory fees, or when such changes are not validated by the national competent authority until after the cut-off date.

To estimate your annual supervisory fee for 2024, you will need the following information:

Minimum fee component

To estimate the minimum fee component, you will need:

  • total estimated annual costs for your category (significant or less significant banks)
    Estimated annual costs for fee period 2024 (EUR millions) Significant banks Less significant banks
      633.4 27.6
  • average number of fee debtors:
    Average number of fee debtors for fee period 2023 Significant banks Less significant banks

    109 2,042
    Note: The number of fee debtors differs from the number of supervised banks.
    Average number of fee debtors in previous years
    Average number of fee debtors Significant banks Less significant banks
    for fee period 2022 110 2,130
    for fee period 2021 114 2,215
    for fee period 2020 112 2,318
    as at end-July 2019 112 2,440
    as at end-July 2018 115 2,766
    as at end-July 2017 119 2,916
    as at end-July 2016 126 3,077
    as at end-July 2015 117 3,193
    as at end-July 2014 115 3,191
    Note: The number of fee debtors differs from the number of supervised banks.
  • number of significant banks and significant banking groups for which the minimum fee component was halved in 2023 (i.e. those with total assets of €10 billion or less): 8
  • number of less significant banks and less significant banking groups for which the minimum fee component was halved in 2023 (i.e. those with total assets of €1 billion or less): 1,083

Variable fee component

To estimate the variable fee component, you will need:

  • your own fee factors (total assets and total risk exposure)
  • the total fee factors: the sum of the total assets and total risk exposure in your category of supervised banks (significant or less significant) as shown in the table below. Assets of subsidiaries located in non-participating Member States and third countries are excluded from the table. As a rule, banks should exclude such assets for the purposes of calculating their fee factors. However, banking groups may decide to include them (e.g. if they consider that the burden of calculating the amounts to be excluded would be greater than the expected reduction in the supervisory fee)

    Aggregate average fee factor values (EUR billions) for fee period 2023 Significant banks Less significant banks
    Total assets 23,838 5,045
    Total risk exposure 7,348 2,457
    Fee factor values for previous years
    Aggregate average fee factor values (EUR billions) for fee period 2022 Significant banks Less significant banks
    Total assets 23,165 4,934
    Total risk exposure 7,158 2,369
    Aggregate average fee factor values (EUR billions) for fee period 2021 Significant banks Less significant banks
    Total assets 22,232 4,751
    Total risk exposure 6,930 2,248
    Aggregate average fee factor values (EUR billions) for fee period 2020 Significant banks Less significant banks
    Total assets 20,218 4,515
    Total risk exposure 6,846 2,226
    Aggregate average fee factor values (EUR billions) for fee period 2019 Significant banks Less significant banks
    Total assets 19,573 4,415
    Total risk exposure 6,610 2,133
    Aggregate average fee factor values (EUR billions) for fee period 2018 Significant banks Less significant banks
    Total assets 19,197 4,675
    Total risk exposure 6,382 2,180
    Aggregate average fee factor values (EUR billions) for fee period 2017 Significant banks Less significant banks
    Total assets 19,781 4,625
    Total risk exposure 6,577 2,141
    Aggregate average fee factor values (EUR billions) for fee period 2016 Significant banks Less significant banks
    Total assets 20,233 4,469
    Total risk exposure 6,773 2,137
    Aggregate average fee factor values (EUR billions) for fee periods 2015 and 2014 Significant banks Less significant banks
    Total assets 20,527 4,669
    Total risk exposure 6,811 2,219

Estimate your fee for 2024

The above data have been integrated into a calculation tool that will help you estimate your bank’s annual supervisory fee. Please click on the link below and follow the instructions in the file.

Fee estimation calculator

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