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Annual Report

The ECB publishes an annual report on how it carried out its supervisory tasks. The report is usually published in March of the subsequent year and is presented to the European Parliament by the Chair of the Supervisory Board of the ECB at a public hearing.




CET1 ratio

Banks are overall well-capitalised with robust capital and liquidity positions. Banks’ aggregate Common Equity Tier 1 (CET1) capital ratio returned to the historical highs seen in 2021, standing at 15.6% in the third quarter of 2023.

More on bank resilience


In the third quarter of 2023, banks’ aggregate annualised year-to-date return on equity stood at 10%, up from 7.6% one year earlier. Net interest margins were the main profitability driver in 2022 and the first nine months of 2023.

More on banks' performance

Supervisory decisions

The Supervisory Board took 2,403 supervisory decisions in 2023. Most were related to fit and proper assessments (48.4%), own funds (9.6%), national powers (7.9%), internal models (7.7%), the Supervisory Review and Evaluation Process (4.7%) and ad hoc reporting (4.7%).

More on decision-making

Presentation to the European Parliament

Read the introductory statement Supervisory Board Chair Claudia Buch gave to the European Parliament Committee on Economic and Monetary Affairs when she presented the Annual Report.

Read the introductory statement

Full report

Look back at what we in ECB banking supervision have done over the last year.

Read the full report

Reporting obligations

The ECB submits the Annual Report on supervisory activities to the European Parliament, the Council of the European Union, the Eurogroup, the European Commission and the national parliaments of the euro area countries.

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The Chair of the Supervisory Board regularly appears before the European Parliament.

Hearings at the European Parliament

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