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class="slider_text_heading"> <h2>Data and tech: key for supervision</h2> </div> </div> <div class="slider_text_content"> <p>We must bridge the gap between supervisors and technology, says Banca d’Italia Deputy Governor Alessandra Perrazzelli. Our latest Supervision Newsletter also covers how we’re getting banks to provide higher-quality data, the push for simpler securitisations and outsourcing trends.</p> <a href="/press/supervisory-newsletters/html/index.en.html" class="button">Read our Supervision Newsletter</a> </div> </div> </div> </div><div class="tabs-container -white-blue -homepage"> <input id="t1" name="homepage-tab-group" type="radio" checked=""> <label for="t1"><span class="arrow"></span>In focus</label> <div class="tab-content"> <div class="boxes"> <div class="box"> <div data-image="/home/shared/img/bas/box-1_199fcb6a8cb45de77291881257ca1907.jpg" data-image-webp="/home/shared/img/bas/box-1_199fcb6a8cb45de77291881257ca1907.webp" > </div> <div> <div> <span class="type">INTERVIEW</span> <span class="date">20 February 2025</span> </div> <h3> Climate and competitiveness go hand in hand <br></h3> <p>Being ready for the green transition offers a competitive advantage, says Supervisory Board Vice-Chair Frank Elderson. Five years after our Guide on climate-related and environmental risks, banks have made progress – but more remains to be done to future-proof the banking sector.</p> <a href="/press/interviews/date/2025/html/ssm.in250220~2a6b960779.en.html">Read Frank Elderson's interview</a> </div> </div> <div class="box"> <div data-image="/home/shared/img/bas/box-2_d5dac4152d2a5c3f7342ac34813cb956.jpg" data-image-webp="/home/shared/img/bas/box-2_d5dac4152d2a5c3f7342ac34813cb956.webp" > </div> <div> <div> <span class="type">INTERVIEW</span> <span class="date">21 January 2025</span> </div> <h3> Navigating evolving risks and uncertainties <br></h3> <p>The cross-cutting nature of geopolitical shocks necessitates incorporating a special focus on banks’ abilities to manage these challenges in our priorities, Supervisory Board member Patrick Montagner tells Forvis Mazars. Banks need to be both proactive and reactive.</p> <a href="/press/interviews/date/2025/html/ssm.in250121~9402d7a02f.en.html">Read Patrick Montagner's interview</a> </div> </div> <div class="box"> <div data-image="/home/shared/img/bas/box-3_232b93e773d271ec86db3a7caa6583cc.jpg" data-image-webp="/home/shared/img/bas/box-3_232b93e773d271ec86db3a7caa6583cc.webp" > </div> <div> <div> <span class="type">FRAUD</span> </div> <h3> Beware of fraud <br></h3> <p>We are aware of fake websites soliciting people to invest with the ECB. This is a scam. We never ask people for investments, money or personal information. If you think you have fallen victim to fraud, contact your local police.</p> <a href="https://www.ecb.europa.eu/services/using-our-site/disclaimer/html/misuse.en.html">More information</a> </div> </div> </div> </div> <input id="t2" name="homepage-tab-group" type="radio"> <label for="t2"><span class="arrow"></span>Press releases </label> <div class="tab-content"> <div class="definition-list -zebra"> <dl> <dt isoDate="2025-01-20"><div class="date">20 January 2025</div></dt><dd><div class="category">PRESS RELEASE</div><div class="title"><a href="/press/pr/date/2025/html/ssm.pr250120~6e75fde026.en.html" >ECB to stress test 96 euro area banks in 2025</a></div><div class="ecb-langSelector"><span class="offeredLanguage"><a class='arrow' lang="en" href="/press/pr/date/2025/html/ssm.pr250120~6e75fde026.en.html"> <span class="ecb-full">English</span></a></span><div class="moreLanguages"> <span class="lnglabel">OTHER LANGUAGES</span> <span class="lang-counter">(16)</span> <span 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Supervisory Board of the ECB, at the 11th Institute of International Finance (IIF) Colloquium on European Banking Regulation and Supervision </div><div class="ecb-langSelector"><span class="offeredLanguage"><a class='arrow' lang="en" href="/press/speeches/date/2024/html/ssm.sp241205~9f4f5a5bf1.en.html"> <span class="ecb-full">English</span></a></span></div></dd><dt isoDate="2024-11-26"><div class="date">26 November 2024</div></dt><dd><div class="category">SPEECH</div><div class="title"><a href="/press/speeches/date/2024/html/ssm.sp241126~37957cad76.en.html" >Elizabeth McCaul: Objects in the rearview mirror are closer than they appear</a></div><div class="subtitle">Keynote speech by Elizabeth McCaul, Member of the Supervisory Board of the ECB, at the European Banking Federation Executive Committee meeting</div><div class="ecb-langSelector"><span class="offeredLanguage"><a class='arrow' lang="en" href="/press/speeches/date/2024/html/ssm.sp241126~37957cad76.en.html"> <span 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href="/press/interviews/date/2025/html/ssm.in250220~2a6b960779.nl.html"> <span class="ecb-full">Nederlands</span><span class="ecb-short">NL</span></a></div></div></div></dd><dt isoDate="2025-02-19"><div class="date">19 February 2025</div></dt><dd><div class="title"><a href="/press/interviews/date/2025/html/ssm.in250219~aa180bd43a.en.html" >“Bridging the gap between people and technology” </a></div><div class="subtitle">Interview with Alessandra Perrazzelli, Deputy Governor of the Banca d’Italia and Member of the Supervisory Board of the ECB, Supervision Newsletter</div><div class="ecb-langSelector"><span class="offeredLanguage"><a class='arrow' lang="en" href="/press/interviews/date/2025/html/ssm.in250219~aa180bd43a.en.html"> <span class="ecb-full">English</span></a></span></div></dd><dt isoDate="2025-01-21"><div class="date">21 January 2025</div></dt><dd><div class="title"><a href="/press/interviews/date/2025/html/ssm.in250121~9402d7a02f.en.html" >Patrick Montagner: Interview with Forvis Mazars on the ECB’s supervisory priorities and 2025 EU-wide stress test</a></div><div class="subtitle">Interview with Patrick Montagner, Member of the Supervisory Board of the ECB, conducted by Eric Cloutier, Group Head of Banking Regulations at Forvis Mazars</div><div class="ecb-langSelector"><span class="offeredLanguage"><a class='arrow' lang="en" href="/press/interviews/date/2025/html/ssm.in250121~9402d7a02f.en.html"> <span class="ecb-full">English</span></a></span></div></dd><dt isoDate="2025-01-17"><div class="date">17 January 2025</div></dt><dd><div class="title"><a href="/press/interviews/date/2025/html/ssm.in250117~3dd7a86d30.en.html" >Frank Elderson: Interview with Het Financieele Dagblad</a></div><div class="subtitle">Interview with Frank Elderson, Member of the Executive Board of the ECB and Vice-Chair of the Supervisory Board of the ECB, conducted by Arend Clahsen and Han Dirk Hekking</div><div class="ecb-langSelector"><span class="offeredLanguage"><a class='arrow' lang="en" href="/press/interviews/date/2025/html/ssm.in250117~3dd7a86d30.en.html"> <span class="ecb-full">English</span></a></span><div class="moreLanguages"> <span class="lnglabel">OTHER LANGUAGES</span> <span class="lang-counter">(1)</span> <span class="ecb-plus">+</span> </div> <div class="ecb-langPopup"> <div class="ecb-closeBtn"></div> <div class="ecb-langHead">Select your language</div> <div class="otherlang"><a lang="nl" href="/press/interviews/date/2025/html/ssm.in250117~3dd7a86d30.nl.html"> <span class="ecb-full">Nederlands</span><span class="ecb-short">NL</span></a></div></div></div></dd><dt isoDate="2024-11-22"><div class="date">22 November 2024</div></dt><dd><div class="title"><a href="/press/interviews/date/2024/html/ssm.in241122~2163c42f53.en.html" >Anneli Tuominen: What lies ahead for the European banking sector?</a></div><div class="subtitle">Conversation between Anneli Tuominen, Member of the Supervisory Board of the ECB, and Kian Abouhossein, Managing Director at JP Morgan, at the inaugural European Financials Conference hosted by JP Morgan </div><div class="ecb-langSelector"><span class="offeredLanguage"><a class='arrow' lang="en" href="/press/interviews/date/2024/html/ssm.in241122~2163c42f53.en.html"> <span class="ecb-full">English</span></a></span></div></dd> </dl> </div> <div class="click-for-more"> <a href="/press/interviews/html/index.en.html" class="arrow">ALL INTERVIEWS</a> </div> </div> <input id="t5" name="homepage-tab-group" type="radio"> <label for="t5"><span class="arrow"></span>Blog posts </label> <div class="tab-content"> <div class="definition-list -zebra"> <dl> <dt isoDate="2025-01-20"><div class="date">20 January 2025</div></dt><dd><div class="title"><a href="/press/blog/2025/html/ssm.blog20250120~424509dc36.en.html" >Luis de Guindos, Frank Elderson: Why prudent projections are the backbone of sound stress testing </a></div><div class="subtitle">Stress tests are of crucial importance to assess banks’ resilience under adverse economic conditions. In previous stress tests, however, some banks submitted overly optimistic projections. Despite thorough quality assurance by supervisors, this behaviour makes it more likely that the risks some banks face are underestimated. To address this, we are now taking a closer look at insufficiently prudent projection submissions. In line with our supervisory focus on banks’ risk data aggregation and reporting capabilities, we are also looking more closely at poor data quality issues in stress tests.</div><div class="ecb-langSelector"><span class="offeredLanguage"><a class='arrow' lang="en" href="/press/blog/2025/html/ssm.blog20250120~424509dc36.en.html"> <span class="ecb-full">English</span></a></span></div></dd><dt isoDate="2025-01-17"><div class="date">17 January 2025</div></dt><dd><div class="title"><a href="/press/blog/2025/html/ssm.blog20250117~32b79d4efa.en.html" >Operational resilience in the digital age</a></div><div class="subtitle">Digitalisation is leading to efficiency gains for banks and improved services for their customers, but it is also bringing threats to operational resilience in the financial sector into sharper focus. The EU has developed a new regulation to keep these digital threats in check, that applies as of today. This blog post discusses how the new regulation makes the financial sector more resilient and outlines the implications for banks and their supervisors.</div><div class="ecb-langSelector"><span class="offeredLanguage"><a class='arrow' lang="en" href="/press/blog/2025/html/ssm.blog20250117~32b79d4efa.en.html"> <span class="ecb-full">English</span></a></span></div></dd><dt isoDate="2025-01-14"><div class="date">14 January 2025</div></dt><dd><div class="title"><a href="/press/blog/2025/html/ssm.blog20250114~7de07435ba.en.html" >Navigating the risk landscape: supervisory priorities 2025-27</a></div><div class="subtitle">Our supervisory priorities for 2025-27 focus on strengthening banks’ ability to withstand macro-financial and geopolitical shocks, and on ensuring that banks remediate material and persistent shortcomings in a timely manner and address emerging challenges. In this blog post, we explain how these priorities will help European supervisors navigate the evolving risk landscape. </div><div class="ecb-langSelector"><span class="offeredLanguage"><a class='arrow' lang="en" href="/press/blog/2025/html/ssm.blog20250114~7de07435ba.en.html"> <span class="ecb-full">English</span></a></span></div></dd><dt isoDate="2024-07-26"><div class="date">26 July 2024</div></dt><dd><div class="title"><a href="/press/blog/2024/html/ssm.blog240726~7bfb4e2267.en.html" >Anneli Tuominen: Enhancing banks’ resilience against cyber threats – a key priority for the ECB</a></div><div class="subtitle">The importance of cyber resilience in protecting our banking sector cannot be overstated: the current landscape poses a variety of cyber threats, from cybercrime to sophisticated state-sponsored attacks. The results of our recent stress test will help us strengthen the way supervised banks manage cyber risk, to set the stage for a resilient banking future.</div><div class="ecb-langSelector"><span class="offeredLanguage"><a class='arrow' lang="en" href="/press/blog/2024/html/ssm.blog240726~7bfb4e2267.en.html"> <span class="ecb-full">English</span></a></span></div></dd><dt isoDate="2024-07-24"><div class="date">24 July 2024</div></dt><dd><div class="title"><a href="/press/blog/2024/html/ssm.blog240724~a4e2c38688.en.html" >Frank Elderson: Banks’ governance and risk culture a decade on: good and bad practices</a></div><div class="subtitle">Where do banks’ governance and risk culture stand after ten years of European supervision? Despite improvements, the ECB has concluded that there is still progress to be made. That’s why we are publishing a Guide on governance and risk culture outlining supervisory expectations and good practices.</div><div class="ecb-langSelector"><span class="offeredLanguage"><a class='arrow' lang="en" href="/press/blog/2024/html/ssm.blog240724~a4e2c38688.en.html"> <span class="ecb-full">English</span></a></span></div></dd> </dl> </div> <div class="click-for-more"> <a href="/press/blog/html/index.en.html" class="arrow">ALL BLOG POSTS</a> </div> </div> <input id="t6" name="homepage-tab-group" type="radio"> <label for="t6"><span class="arrow"></span>Publications </label> <div class="tab-content"> <div class="definition-list -zebra"> <dl> <dt isoDate="2025-02-21"><div class="date">21 February 2025</div></dt><dd><div class="category">SREP DOCUMENT</div><div class="title"><a href="/activities/srep/2025/html/ssm.srep_ITRQ2024.en.pdf?dfe4ffac8c14fe91376daacbc4cca7ca" >SREP IT Risk Questionnaire 2024</a></div><div class="ecb-langSelector"><span class="offeredLanguage"><a class='pdf' lang="en" href="/activities/srep/2025/html/ssm.srep_ITRQ2024.en.pdf"> <span class="ecb-full">English</span></a></span></div></dd><dt isoDate="2025-02-19"><div class="date">19 February 2025</div></dt><dd><div class="category">OTHER PUBLICATION</div><div class="title"><a href="/ecb/pub/pdf/ssm.outsourcing_horizontal_analysis_202502~c54626829c.en.pdf?debd80cf85c9f86f8d16b2ecdc86d3f5" >2024 Outsourcing Register - annual horizontal analysis</a></div><div class="ecb-langSelector"><span class="offeredLanguage"><a class='pdf' lang="en" href="/ecb/pub/pdf/ssm.outsourcing_horizontal_analysis_202502~c54626829c.en.pdf"> <span class="ecb-full">English</span></a></span></div><div class='accordion'><div class="header"><div class="title">Related</div></div><div class="content-box"><div class="definition-list "><dl><dt isoDate="2025-02-19"><div class="date">19 February 2025</div></dt><dd><div class="category">NEWSLETTER</div><div class="title"><a href="/press/supervisory-newsletters/newsletter/2025/html/ssm.nl250219_2.en.html" >Outsourcing trends in the banking sector</a></div><div class="ecb-langSelector"><span class="offeredLanguage"><a class='arrow' lang="en" href="/press/supervisory-newsletters/newsletter/2025/html/ssm.nl250219_2.en.html"> <span class="ecb-full">English</span></a></span></div></dd></dl></div></div></div></dd><dt isoDate="2025-02-19"><div class="date">19 February 2025</div></dt><dd><div class="category">NEWSLETTER</div><div class="title"><a href="/press/supervisory-newsletters/newsletter/2025/html/ssm.nl250219_2.en.html" >Outsourcing trends in the banking sector</a></div><div class="ecb-langSelector"><span class="offeredLanguage"><a class='arrow' lang="en" href="/press/supervisory-newsletters/newsletter/2025/html/ssm.nl250219_2.en.html"> <span class="ecb-full">English</span></a></span></div><div class='accordion'><div class="header"><div class="title">Related</div></div><div class="content-box"><div class="definition-list "><dl><dt isoDate="2025-02-19"><div class="date">19 February 2025</div></dt><dd><div class="category">OTHER PUBLICATION</div><div class="title"><a href="/ecb/pub/pdf/ssm.outsourcing_horizontal_analysis_202502~c54626829c.en.pdf?debd80cf85c9f86f8d16b2ecdc86d3f5" >2024 Outsourcing Register - annual horizontal analysis</a></div><div class="ecb-langSelector"><span class="offeredLanguage"><a class='pdf' lang="en" href="/ecb/pub/pdf/ssm.outsourcing_horizontal_analysis_202502~c54626829c.en.pdf"> <span class="ecb-full">English</span></a></span></div></dd></dl></div></div></div></dd><dt isoDate="2025-02-19"><div class="date">19 February 2025</div></dt><dd><div class="category">NEWSLETTER</div><div class="title"><a href="/press/supervisory-newsletters/newsletter/2025/html/ssm.nl250219.en.html" >Sound risk data reporting: key to better decision-making and resilience </a></div><div class="ecb-langSelector"><span class="offeredLanguage"><a class='arrow' lang="en" href="/press/supervisory-newsletters/newsletter/2025/html/ssm.nl250219.en.html"> <span class="ecb-full">English</span></a></span></div></dd><dt isoDate="2025-02-19"><div class="date">19 February 2025</div></dt><dd><div class="category">NEWSLETTER</div><div class="title"><a href="/press/supervisory-newsletters/newsletter/2025/html/ssm.nl250219_1.en.html" >Securitisations: a push for safety and simplicity</a></div><div class="ecb-langSelector"><span class="offeredLanguage"><a class='arrow' lang="en" href="/press/supervisory-newsletters/newsletter/2025/html/ssm.nl250219_1.en.html"> <span class="ecb-full">English</span></a></span></div></dd> </dl> </div> <div class="click-for-more"> <a href="/press/publications/html/index.en.html" data-label="English" class="arrow">ALL PUBLICATIONS</a> </div> </div> </div><div class="call-to-action"> <a href="/press/supervisory-newsletters/html/register.en.html">  <div class="image" data-image-webp="../shared/img/coronavirus_2560x124.webp" 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class="stats-table-figure">Return on equity<br>(%, annualised)</td> <td class="stats-table-icon-rates"><span class="trend neutral up"></span></td> <td class="stats-table-percentage">10.22</td> </tr> </table> <span class="stats-table-footnote">Reference date: 2024-Q3</span> <a href="/banking/statistics/html/index.en.html">Supervisory data</a> </div> <script type="text/javascript"> // The chart's filters/dimensions are defined here var filters = [["Chart"]]; // Choose the default value for each filter/dimension here in the same order as above var current_state = ["Chart"]; // The text that is displayed when data is being loaded var loadingText = "Please wait, data is loading..."; var oneBalloonOnly = false; var showBalloons = true; var isDraggable = false; var cssName= 'chart_home.css'; var jsRoot = '/shared/js/'; var amChartFolder = 'amcharts_graph/'; var license = '140820'; var dateFormat = "YYYY-MM"; //Add header with var addHeader = false; var colors = ["#ffffff"]; var lineWidth = 2; var maxNumPoints = 10000; var currencyCode = 'usd'; var addChartSelector = false; var height = 238; var d = new Date(); d.setMonth(d.getMonth() - 36); var beginDate = d.getFullYear()+'-'+d.getMonth()+'-'+d.getDay(); //beginDate = '2018-01-01'; //var ieFallBack = '<img src="http://sdw.ecb.europa.eu/quickview.do?SERIES_KEY=122.ICP.M.U2.N.000000.4.ANR&start='+d.getDay()+'-'+d.getMonth()+'-'+d.getFullYear()+'&chartOnly=Y&submitOptions.y=2&notxt=y&mrkr=MU11&avg=n&width=280&height=210" width="100%" height="'+height+'px "/>'; var homePageStyling = true; // This function should return a filename based on current filter/dimension state (in current_state) /*function get_filename() { var xmlpath = document.querySelector("#cet1-chart-load").getAttribute("data-chart-xml"); var result = {} result[xmlpath] = "Inflation"; return result; } */ </script> <div class="box"> <h2>CET1 ratio</h2> <div id='cet1-chart-load' class='home-stats-chart' style="width:100%;height:180px;padding-top:10px;margin-bottom: 80px;" data-chart-title='CET1 ratio' data-chart-xml="../shared/data/cet1_capital_ratio.xml?h=d225205b75c834452b43c2d74fcc4d84"></div> <div></div> <a href="/banking/srep/html/p2r.en.html">Pillar 2 requirements</a> </div> <div class="box"> <h2>Liquidity coverage ratio</h2> <div id='liquidity-chart-load' class='home-stats-chart' style="width:100%;height:180px;padding-top:10px;margin-bottom: 80px;" data-chart-title='Liquidity coverage ratio' data-chart-xml="../shared/data/liquidity_coverage_ratio.xml?h=803c0ec3b0c902f6e2206316f271bb83"></div> <div></div> </div> <div class="box"> <h2>Non-performing loans ratio</h2> <div id='non-performing-chart-load' class='home-stats-chart' style="width:100%;height:180px;padding-top:10px;margin-bottom: 80px;" data-chart-title='Non-performing loans ratio' data-chart-xml="../shared/data/npl_ratio.xml?h=25bbe55223434ff8a388b0b1bb621cfa"></div> <span class="stats-table-footnote">Excluding cash balances at central banks and other demand deposits</span>  </div> 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