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.

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 2023, 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 2023 (EUR millions)	Significant banks	Less significant banks
  	618.8	30.2

• average number of fee debtors:
  

  Average number of fee debtors for fee period 2022	Significant banks	Less significant banks
  	110	2,130
  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 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 2022 (i.e. those with total assets of €10 billion or less): 11
• number of less significant banks and less significant banking groups for which the minimum fee component was halved in 2022 (i.e. those with total assets of €1 billion or less): 1,192

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 2022	Significant banks	Less significant banks
  Total assets	23,165	4,934
  Total risk exposure	7,158	2,369

  Fee factor values for previous years

  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 2023

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