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Supervision Newsletter - May 2024

Interview

"We need more Europe"

Christina Papaconstantinou, Member of the Supervisory Board of the ECB and Deputy Governor of the Bank of Greece, discusses the remarkable progress of Greek banks and how Greek supervisors with experience of dealing with crises can contribute to European banking supervision.

Interview with Christina Papaconstantinou

Feature

Charting the future: risks and lending standards in residential real estate

As the residential real estate sector began to show signs of distress, supervisors assessed how banks manage these loans. The review revealed weaknesses in banks’ loan origination processes and collateral valuations, but banks are working to mitigate risks.

Feature on residential real estate
Get the latest on banking supervision!

In focus

Internal audit functions: guardians of banks’ control frameworks

Internal audit is key to keep banks’ control mechanisms effective. In their reviews of banks’ internal audit functions, supervisors found several good practices, yet staffing and limited oversight by management bodies and audit committees remain a concern.

Article on internal audit functions

EU securitisations: 2023 in figures

The volume of securitisation transactions with significant risk transfer backed by performing loans dropped slightly in 2023 but remained well above pre-pandemic levels. The volume of securitisations involving non-performing loans decreased for the third year in a row.

Article on EU securitisations

Key data

Non-performing loans (NPL) ratio stable at 2.30% in Q4 2023

The data now include a breakdown of NPL ratios by counterparty sector. For significant institutions, there was a slight increase, to 3.48%, in the NPL ratio for loans to non-financial corporations and a marginal drop to 2.19% for loans to households compared with Q3 2023.

Supervisory banking statistics

Did you know...

… that the ECB is calling for banks to make progress in risk data aggregation and risk reporting? Effective data governance and high-quality risk data are crucial for sound and informed decision-making, as is robust risk governance. The ECB has strongly emphasised the importance of risk data aggregation and reporting, but many banks still do not prioritise it sufficiently, resulting in persisting serious structural deficiencies. Despite the lessons learnt from the global financial crisis, banks are still struggling to effectively manage and aggregate risk-related data. Following a public consultation on this topic, the ECB published on 3 May 2024 its final Guide on effective risk data aggregation and risk reporting. The Guide does not impose new requirements on banks; instead, it describes practices that they should have in place to identify, manage, monitor and report risks. The ECB expects banks to make substantial progress in addressing this within a reasonably brief time frame. The Guide is neither meant to be exhaustive nor limit any supervisory follow-up activity.

Guide on effective risk data aggregation and risk reporting
Upcoming events
4 June 2024
Claudia Buch at “Woche der Umwelt” 2024
The Chair of the Supervisory Board will speak about the ECB’s approach to supervising the climate-related and environmental risks facing the European banking sector.
5 June 2024
Kerstin af Jochnick at Goldman Sachs European Financials Conference
The ECB representative to the Supervisory Board will participate in a fireside chat about the risk outlook for banks and the supervisory priorities for the period ahead.
11 June 2024
Claudia Buch at ECB Banking Supervision Research Conference
The Chair of the Supervisory Board will talk about supervisory effectiveness and explain how the Supervisory Review and Evaluation Process has evolved.
Programme
12 June 2024
Anneli Tuominen at ECB Banking Supervision Research Conference
The ECB representative to the Supervisory Board will deliver the closing remarks and reflect on key themes from the event.
Programme
12 June 2024
Elizabeth McCaul at Central Banking’s Summer Meetings
The ECB representative to the Supervisory Board will give a keynote address on the importance of innovation and describe the SSM Digital Strategy 2024-2028.
12 June 2024
Claudia Buch at Bundesbank-Symposium 2024
The Chair of the Supervisory Board will explain the follow-up work carried out in response to the external expert group’s recommendations on the Supervisory Review and Evaluation Process.
12 June 2024
Anneli Tuominen at Bundesbank-Symposium 2024
The ECB representative to the Supervisory Board will take part in a panel discussion on ten years of European banking supervision and avenues for further development.
24 June 2024
Claudia Buch and Elizabeth McCaul at ACPR conference
The Chair of the Supervisory Board and the ECB representative to the Supervisory Board will reflect on the first decade of European banking supervision and discuss supervisory effectiveness.

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