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link with you&body=Link to the website of the European Central Bank: '+location.protocol + '//' + location.host + location.pathname+((document.location.search.search(/\?youtubeID=[a-zA-Z0-9_-]+$/)!=-1&&document.location.search)||''))" title="Share by Email"></a></li> </ul> </div> </aside> <main > <div class="title"> <h1>Supervision Newsletter - February 2025</h1> </div>  <div class="large-box -top-arrow"> <div class="wrapper"> <div data-image="/press/supervisory-newsletters/shared/img/20250219/perrazzelli_1000x750.jpg"></div> <div class="content-box"> <p class="category">Interview</p> <h3>"Bridging the gap between people and technology"</h3> <p>Alessandra Perrazzelli, ECB Supervisory Board member and Deputy Governor of the Banca d’Italia, underlines the benefits of suptech, praises the great technological advances in banking and supervision and stresses that the benefits of a truly united Europe outweigh any risks.</p> <a href="/press/interviews/date/2025/html/ssm.in250219~aa180bd43a.en.html">Read the interview</a> </div> </div> </div> <div class="boxes -grey"> <div class="box"> <div data-image="/press/supervisory-newsletters/shared/img/20250219/reporting_1000x750.jpg"></div> <div class="content-box"> <p class="category">Feature</p> <h3>Sound risk data reporting is key</h3> <p>Banks’ risk data aggregation and reporting capabilities must improve, as issues with internal governance, data infrastructures and IT architectures have persisted for too long. The ECB has stepped up its efforts and will use all its tools to drive meaningful enhancements. </p> <a href="/press/supervisory-newsletters/newsletter/2025/html/ssm.nl250219.en.html">Feature on risk data reporting</a> </div> </div> </div> <div class="promo-box -solid -small -blue -inverted" data-image="/press/supervisory-newsletters/shared/img/subscribe.jpg" data-image-webp="/press/supervisory-newsletters/shared/img/subscribe.webp"> <div class="wrapper"> <div class="box"> <div class="content-box"> <div class="title">Get the latest on banking supervision!</div> <div class="button-box"> <a class="button" href="/press/supervisory-newsletters/html/register.en.html">Subscribe to the Supervision Newsletter</a> </div> </div> </div> </div> </div> <div class="boxes -grey"> <div class="box"> <div data-image="/press/supervisory-newsletters/shared/img/20250219/securitisations_1000x750.jpg"></div> <div class="content-box"> <p class="category">In focus</p> <h3>Securitisations: a push for safety and simplicity</h3> <p>The ECB has worked with the European Banking Federation to develop a fast-track process for assessing significant risk transfer in securitisations. It incentivises banks to create simpler securitisations and streamlines the assessment period, with testing set for early 2025. </p> <a href="/press/supervisory-newsletters/newsletter/2025/html/ssm.nl250219_1.en.html">Article on securitisations</a> </div> </div> <div class="box"> <div data-image="/press/supervisory-newsletters/shared/img/20250219/funds_1000x750.jpg"></div> <div class="content-box"> <p class="category"> </p> <h3>Outsourcing trends in banking</h3> <p>Banks increasingly rely on outsourcing and spend nearly half of their budgets on IT services. Yet outsourcing chains are becoming both more complex and global, and concentration risks are on the rise. Operational resilience will therefore remain high on the supervisory agenda.</p> <a href="/press/supervisory-newsletters/newsletter/2025/html/ssm.nl250219_2.en.html">Article on outsourcing trends in banking</a> </div> </div> <div class="box"> <div data-image="/press/supervisory-newsletters/shared/img/20250219/keydata_lsi_1000x750.jpg"></div> <div class="content-box"> <p class="category">Key data</p> <h3>Less significant banks up capital as non-performing loans rise</h3> <p>The December report on less significant institutions (LSIs) urges banks to build up capital amid rising profitability to counter potential non-performing loan ratio increases. Data from Q3 2024 confirm that LSIs are strengthening their capital positions.</p> <a href="/ecb/pub/html/LSIreport/ssm.LSIreport2024~b8dd7cda4f.en.html">LSI supervision report</a> </div> </div> <div class="box"> <div data-image="/press/supervisory-newsletters/shared/img/20250219/keydata_1000x750.jpg"></div> <div class="content-box"> <p class="category"> </p> <h3>Significant banks show robust capital, profitability</h3> <p>Data from Q3 2024 show that the capital positions of significant banks are robust, with an aggregate Common Equity Tier 1 (CET1) ratio of 15.72%. Banks reported a double-digit aggregated annualised return on equity for the fourth time since Q1 2023.</p> <a href="/framework/statistics/html/index.en.html">Supervisory banking statistics</a> </div> </div> </div> <div class="definition-list -top-arrow"> <div class="header"> <div class="title">Upcoming events</div> </div> <dl> <dt> 3 March 2025 </dt> <dd> <strong class="doc-title"> Claudia Buch at 18th Finanzplatztag </strong> <div class="doc-subtitle"> The Chair of the Supervisory Board will deliver a keynote speech on 10 years of banking union, its achievements of the past and challenges for the future. </div> </dd> <dt> 19 March 2025 </dt> <dd> <strong class="doc-title"> Frank Elderson at European Financials Conference </strong> <div class="doc-subtitle"> The Vice-Chair of the Supervisory Board will speak about the banking union and provide insights into its development, challenges and future prospects. </div> </dd> <dt> 27 March 2025 </dt> <dd> <strong class="doc-title"> Claudia Buch at regular European Parliament hearing </strong> <div class="doc-subtitle"> The Chair of the Supervisory Board will give an introductory statement on banking supervision at a hearing before the European Parliament's Committee on Economic and Monetary Affairs (ECON). </div> </dd> <dt> 24 April 2025 </dt> <dd> <strong class="doc-title"> Patrick Montagner at symposium “A Franco-German Tandem” </strong> <div class="doc-subtitle"> The ECB representative to the Supervisory Board will participate in a panel discussing the historical evolution of banking systems in France and Germany and the upcoming challenges they face. </div> </dd> <dt> 25 April 2025 </dt> <dd> <strong class="doc-title"> Claudia Buch at Brookings Institution </strong> <div class="doc-subtitle"> The Chair of the Supervisory Board will speak about the road ahead for banks as well as the current regulatory framework and international coordination. </div> </dd> <dt> 29 April 2025 </dt> <dd> <strong class="doc-title"> Sharon Donnery at Handelsblatt Annual Conference on Banking Regulation </strong> <div class="doc-subtitle"> The ECB representative to the Supervisory Board will deliver a speech about the state of banking and supervision in Europe in the current global context. </div> </dd> </dl> </div> <div class="section"><a href="http://www.bankingsupervision.europa.eu/press/weekly/html/index.en.html">Upcoming public speeches</a></div> <div class="definition-list -top-arrow"> <div class="header"> <div class="title"></div> </div> <dl> </dl> </div> <div class="in-this-section" id="pages-in-section-holder"> <h3>All pages in this section</h3> <div class="content-box"> </div> </div> </main> </div> <div id="feedback" class="hidden"> <div class="content-box"> <div class="initial"> <div class="title">Are you happy with this page?</div> <a class="button -inverted-color" id="feedback-yes">Yes</a> <a class="button -inverted-color" id="feedback-no">No</a> </div> <div class="second hidden"> <div 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