CINXE.COM

<!DOCTYPE html> <html lang="en"> <head> <meta charset="utf-8"> <link rel="preload" href="/shared/dist/fonts/opensans_fixed/OpenSans-Regular.woff2" as="font" crossorigin> <link rel="preload" href="/shared/dist/fonts/opensans_fixed/OpenSans-SemiBold.woff2" as="font" crossorigin> <link rel="preload" href="/shared/dist/fonts/opensans_fixed/OpenSans-Bold.woff2" as="font" crossorigin> <link rel="preload" href="/shared/dist/fonts/ecb-iconset/ECB-icon-set.woff2" as="font" crossorigin> <link rel="icon" href="/fav.ico" sizes="16x16"> <link rel="icon" href="/favicon-16.png" sizes="16x16"> <link rel="icon" href="/favicon-32.png" sizes="32x32"> <link rel="icon" href="/favicon-64.png" sizes="64x64"> <link rel="icon" href="/favicon-128.png" sizes="128x128"> <link rel="icon" href="/favicon-192.png" sizes="192x192"> <link rel="icon" href="/favicon-256.png" sizes="256x256"> <link rel="shortcut icon" href="/favicon-196.png" sizes="196x196"> <link rel="apple-touch-icon" href="/favicon-152.png" sizes="152x152"> <link rel="apple-touch-icon" href="/favicon-180.png" sizes="180x180"> <title>ECB Banking Supervision - SSM</title> <link rel="canonical" href="https://www.bankingsupervision.europa.eu/home/html/index.en.html"> <meta name="author" content="European Central Bank"> <meta name="description" content="European banking supervisors contribute to keeping the banking system safe and sound. European banking supervision comprises the ECB and national supervisors of the participating countries."> <meta name="viewport" content="width=device-width, initial-scale=1.0, viewport-fit=cover"> <script> var ECB = {}; ECB.currentLanguage = 'en'; ECB.isoLocalLanguageName = 'English'; ECB.isLive = true; ECB.version = '2713523'; ECB.navigationVersion = '1729513593'; ECB.clientTimeError = 1732725023 - (new Date().getTime()); ECB.availableLanguages = [{"bg": "Български"},{"cs": "Čeština"},{"da": "Dansk"},{"de": "Deutsch"},{"el": "Eλληνικά"},{"en": "English"},{"es": "Español"},{"et": "Eesti keel"},{"fi": "Suomi"},{"fr": "Français"},{"ga": "Gaeilge"},{"hr": "Hrvatski"},{"hu": "Magyar"},{"it": "Italiano"},{"lt": "Lietuvių"},{"lv": "Latviešu"},{"mt": "Malti"},{"nl": "Nederlands"},{"pl": "Polski"},{"pt": "Português"},{"ro": "Română"},{"sk": "Slovenčina"},{"sl": "Slovenščina"},{"sv": "Svenska"}]; </script> <link rel="stylesheet" href="/shared/dist/css/homepage-ssm.min.css?2713523" media="all"> <meta name="twitter:card" content="summary"> <meta name="twitter:site" content="@ecb"> <meta name="explainerDate" content="1 January 1970"> <meta property="og:type" content="website"> <meta property="og:type" content="website"> <meta property="og:title" content="ECB Banking Supervision - SSM"> <meta property="og:url" content="https://www.bankingsupervision.europa.eu/home/html/index.en.html"> <meta property="og:image:secure_url" content="https://www.bankingsupervision.europa.eu/home/shared/img/socialmedia/social-default.jpg?bff2a4769f7b2c4f45183e6e783e7424"> <meta property="og:image" content="https://www.bankingsupervision.europa.eu/home/shared/img/socialmedia/social-default.jpg?bff2a4769f7b2c4f45183e6e783e7424" > <meta property="og:image:width" content="1200"> <meta property="og:image:height" content="600"> <meta property="og:site_name" content="European Central Bank - Banking supervision"> <script type="text/javascript"> /*! ecb - v2.0.0 - European Central Bank */ var ECB=window.ECB||{};ECB.fast=ECB.fast||{},ECB.slow=ECB.slow||{},ECB.supports=ECB.supports||{},ECB.fast.annexSwap=function(){var t,e,n=document.querySelector(".section-press .address-box + .definition-list");n&&(t=(e=(t=(e=(t=n.previousElementSibling).previousElementSibling)&&e.classList.contains("related-topics")?e:t).previousElementSibling)&&e.classList.contains("footnotes")?e:t).parentNode.insertBefore(n,t)},ECB.fast.attribution=function(n){var t=n.style.backgroundImage||n.src;t=(t=t.replace('url("',"")).replace('")',""),n.src&&(n=n.closest("picture"));t&&!function(t){t=t.replace('url("',"");var e=document.location.protocol+"//"+document.location.hostname;return(-1!==t.indexOf("http")||-1!==t.indexOf('url("//'))&&!t.startsWith(e)}(t)&&ECB.fast.exif.getArtist(t,function(t){var e;0<t.length&&!n.classList.contains("-attribution")&&(n.classList.add("-attribution"),n.insertAdjacentHTML("beforeend",'<span class="attribution"><span class="attribution-details">'+(t.startsWith("©")?"":"© ")+t+'</span> <button aria-label="Photographer"></button></span>'),(e=n.querySelector(".attribution button")).addEventListener("click",function(t){return e.parentElement.classList.toggle("-active"),t.preventDefault(),t.stopPropagation(),!1}))})},ECB.fast.authorMove=function(){let t=document.getElementById("side-authors");var e;t&&(e=Array.from(document.querySelectorAll("aside > *")).reduce(function(t,e){return t+e.clientHeight},0),t.style.marginTop=Math.max(110,e)+50+"px")},ECB.fast.connector=function(t){function e(t){t.classList.contains("-gradient-upper")&&(i="-gradient-upper"),t.classList.contains("-dark-grey")&&(o="-dark-grey"),t.classList.contains("-light-grey-blue")&&(i="-transparent-light-grey",o="-transparent-blue");var e="<div class='upper-connection "+i+"'></div> <div class='lower-connection "+o+"'></div>";t.insertAdjacentHTML("afterend",e)}function a(t,e){return t.classList.contains(e)}function n(t,e){for(var n=0;n<e.length;n++)if(a(t,e[n]))return 1}var r=(t=t||document).querySelectorAll(".connector"),i="-transparent-blue",o="-light-blue";if(0<r.length)e(r[r.length-1]);else{var s=Array.from(t.querySelectorAll(".contact-box, .see-also-boxes, .carousel, .promo-box, .contact-box, .explainer-box"));if(s.length){var l=s[0],c=l.previousElementSibling;if(c&&"DIV"==c.tagName&&!a(c,"title")){for(var u=l.nextElementSibling,g=!1;null!=u;)a(u,"in-this-section")||"SCRIPT"==u.tagName||"STYLE"==u.tagName||(-1==s.indexOf(u)?g=!0:g&&(c=(l=u).previousElementSibling,g=!1)),u=u.nextElementSibling;g||(c.classList.add("connector"),n(c,["section","intro","boxes","accordion","definition-list","tags"])&&c.classList.add("-gradient-upper"),n(c,["jumbo-box"])&&a(c,"-dark-blue")&&c.classList.add("-light-grey-blue"),a(l,".carousel")||c.classList.add("-dark-grey"),e(c))}}}},ECB.fast.exif=function(){function i(t,e,n){return function(t,e,n){var a,r,i,o="";for(n=e+n;e<n;)switch((a=t.getUint8(e++))>>4){case 0:case 1:case 2:case 3:case 4:case 5:case 6:case 7:o+=String.fromCharCode(a);break;case 12:case 13:r=t.getUint8(e++),o+=String.fromCharCode((31&a)<<6|63&r);break;case 14:r=t.getUint8(e++),i=t.getUint8(e++),o+=String.fromCharCode((15&a)<<12|(63&r)<<6|(63&i)<<0)}return o}(t,e,n)}function o(t,e,n){if("exif"!=i(t,e,4).toLowerCase())return!1;var a,e=e+(n?8:6);if(18761==t.getUint16(e))a=!1;else{if(19789!=t.getUint16(e))return!1;a=!0}return 42==t.getUint16(e+2,!a)&&(!((n=t.getUint32(e+4,!a))<8)&&function(t,e,n,a){for(var r,i=t.getUint16(n,!a),o=0;o<i;o++)if(315===t.getUint16(r=n+12*o+2,!a))return s(t,r,e,a);return""}(t,e,e+n,a))}var s=function(t,e,n,a){var r=t.getUint32(e+4,!a),n=t.getUint32(e+8,!a)+n;return i(t,4<r?n:e+8,r-1)};return{getArtist:function(t,e){function n(t){t=function(t){var e=new DataView(t),n=!1;if(1380533830==e.getUint32(0)&&1464156752==e.getUint32(8)&&1448097880==e.getUint32(12)){if(!(e.getUint8(20)&8))return!1;n=!0}else if(255!=e.getUint8(0)||216!=e.getUint8(1))return!1;var a=2,r=t.byteLength;if(n)for(a=16;a<r;){if(a+=e.getUint32(a,!0)+4,"EXIF"==i(e,a,4))return o(e,a,!0,e.getUint32(a,!0));a+=4}else for(;a<r;){if(255!=e.getUint8(a))return!1;if(225==e.getUint8(a+1))return o(e,a+4,!1,e.getUint16(a+2));a+=2+e.getUint16(a+2)}}(t);e.call(window,t||"")}var a=new XMLHttpRequest;a.onload=function(){200!=this.status&&0!==this.status||n(a.response),a=null},a.open("GET",t,!0),a.responseType="arraybuffer",a.send(null)}}}(),ECB.fast.isLoading=function(){for(var t=document.querySelectorAll(".-is-loading"),e=0;e<t.length;e++)t[e].insertAdjacentHTML("afterbegin","<div class='is-busy'> Loading ... </div>")},ECB.fast.langLinks=function(){if(ECB.fast.isEuLanguage=!!document.querySelector("#language-values a[lang="+ECB.currentLanguage+"]:not([specialLang])"),ECB.fast.isEuLanguage&&"en"!=ECB.currentLanguage)for(var t=document.querySelectorAll("a:not([lang]"),n=/\.[a-z]{2,3}(\.(html|pdf)([\?#].*)?)$/,e=0;e<t.length;e++){var a=t[e];a.hasAttribute("href")&&-1===a.getAttribute("href").indexOf(":")&&function(t){let e=t.getAttribute("href").match(n);return!!(e&&0<e.length)&&"en"==e[0].substr(1,2)}(a)&&a.setAttribute("href",a.getAttribute("href").replace(n,"."+ECB.currentLanguage+"$1"))}},ECB.fast.langSwitch=function(){var e,n;ECB.isLive&&(e=localStorage.getItem("lastLanguage"),(n=function(t){if(t&&ECB.currentLanguage!=t){t=document.querySelector("#language-values>a[lang="+t+"]");return t&&(document.location.href=t.href),!0}return!1})(e)||window.addEventListener("storage",function(t){"lastLanguage"==t.key&&t.newValue!=e&&n(t.newValue)}))},ECB.fast.loadImages=function(t){var n,e=t;t||(e=document);var a=function(t){var e=ECB.supports.webp&&t.getAttribute("data-image-webp")?t.getAttribute("data-image-webp"):t.getAttribute("data-image"),n=t;n.style.backgroundImage="url('"+e+"')",t.classList.contains("-inner")||ECB.fast.attribution(n),n.classList.add("loaded")};window.IntersectionObserver&&(n=new IntersectionObserver(function(t){for(var e=0;e<t.length;e++)t[e].isIntersecting&&(a(t[e].target),n.unobserve(t[e].target))},{rootMargin:"50%"}));for(var r=e.querySelectorAll("[data-image]"),i=0;i<r.length;i++)r[i].classList.contains("fast")||r[i].classList.contains("coin-cropper")||!n?a(r[i]):n.observe(r[i]);for(var o=e.querySelectorAll("picture img"),i=0;i<o.length;i++)ECB.fast.attribution(o[i])},ECB.fast.pageTitle=function(){var t=document.querySelector("main>.title h1");t&&0<t.innerText.length&&(document.title=t.innerText)},ECB.fast.random=function(t){Element.prototype.matches||(Element.prototype.matches=Element.prototype.msMatchesSelector||Element.prototype.webkitMatchesSelector);for(var e=(!t?document:t).querySelectorAll(".random"),n=0;n<e.length;n++){e[n].querySelectorAll(".random-item");var a=[];Array.prototype.slice.call(e[n].children).map(function(t){t.matches(".random-item")&&a.push(t)});var r=Math.floor(Math.random()*a.length);e[n].classList.contains("-daily")&&(r=(new Date).getDate()%a.length),a[r].classList.add("active");for(var i=0;i<a.length;i++)i!=r&&e[n].removeChild(a[i])}},ECB.fast.supportCheck=function(e){var n=new Image;n.onload=function(t){"load"==t.type&&1==n.width&&(document.documentElement.classList.add("webp"),ECB.supports.webp=!0),e&&e()},n.onerror=function(){e&&e()},n.src="data:image/webp;base64,UklGRiQAAABXRUJQVlA4IBgAAAAwAQCdASoBAAEAAwA0JaQAA3AA/vuUAAA="},ECB.fast.tempFixes=function(){!function(t,e){for(var n=document.querySelectorAll(t),a=0;a<n.length;a++)e(n[a])}(".table .wrapper h3",function(t){var e=t.parentElement.parentElement,n=document.createElement("div");n.classList.add("header"),n.innerHTML='<div class="title">'+t.innerHTML+"</div>",t.parentElement.removeChild(t),e.prepend(n)})},ECB.fast.supportCheck(function(){function t(){ECB.jsForContentOnly||ECB.fast.pageTitle(),ECB.fast.tempFixes(),ECB.fast.random(),ECB.fast.loadImages(),ECB.fast.langLinks(),ECB.fast.connector(),ECB.fast.annexSwap(),ECB.fast.isLoading(),ECB.fast.authorMove()}"loading"!==document.readyState?t():window.addEventListener("DOMContentLoaded",t)}); </script> <script type="text/javascript" async src="/shared/dist/js/slow.min.js?v=2713523"></script> </head> <body class="project-ssm section-home"> <header id="ecb-doc-header"> <div class="headerHolder"> <div class="logo-name"> <a href="/home/html/index.en.html" aria-hidden="true" tabindex="-1"> <img src="/shared/img/logo/logo_name.en.svg"> </a> </div> <div class="logo-name-mobile"> <a href="/home/html/index.en.html" aria-hidden="true"> <div><svg width="200" height="40" version="1.1" id="Layer_1" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="60 300 840 135" xml:space="preserve"> <g id="Layer_5"> <g id="EN_5_"> <g id="EN_4_"> <g> <path fill="#003299" d="M171.1,340.1h-19.4v-26.3h19v4.9h-12.5v5.7h12.1v4.9h-12.1v6.5h12.9L171.1,340.1L171.1,340.1z"/> <path fill="#003299" d="M207.1,314.2v15c0,8.5-6.1,11.7-12.9,11.7c-7.7,0-12.9-3.6-12.9-11.7v-15h6.5v15c0,3.6,2.8,6.1,6.5,6.1 c3.6,0,6.5-1.6,6.5-6.5v-14.6H207.1z"/> <path fill="#003299" d="M229.8,314.2c5.3,0,8.5,3.6,8.5,7.7c0,2.8-1.6,4.9-4.5,6.5c2.8,1.2,3.6,4.5,7.3,12.1h-7.3 c-2.8-5.7-3.6-10.5-7.3-10.5h-2v10.5h-6.5v-26.3H229.8z M224.5,324.7h3.6c1.6,0,3.6-0.8,3.6-2.8c0-2-1.2-2.8-3.6-2.8h-3.2v5.7 H224.5z"/> <path fill="#003299" d="M262.6,340.5c-9.7,0-15-6.9-15-13.4c0-6.5,5.3-13.4,15-13.4s15,7.3,15,13.4 C277.5,334,271.9,340.5,262.6,340.5z M262.6,319c-4.9,0-8.5,3.2-8.5,8.1c0,4.9,3.2,8.1,8.5,8.1c4.9,0,8.1-3.2,8.1-8.1 C270.6,322.3,267.4,319,262.6,319z"/> <path fill="#003299" d="M299.4,314.2c6.1,0,8.5,4,8.5,7.7s-2.4,8.1-8.5,8.1h-5.3v10.5h-6.5v-26.3H299.4z M294.1,324.7h2.8 c2.8,0,4-1.2,4-3.2s-1.2-2.8-4.9-2.8h-2.4v6.1H294.1z"/> <path fill="#003299" d="M337,340.1h-19.4v-26.3h19v4.9H324v5.7h12.1v4.9H324v6.5H337L337,340.1L337,340.1z"/> <path fill="#003299" d="M374.2,340.1h-6.9l-2-5.3h-11.7l-2,5.3h-6.9l10.5-26.3h7.7L374.2,340.1z M358.8,320.3l-3.6,10.1h8.1 L358.8,320.3z"/> <path fill="#003299" d="M409,340.1h-5.7l-14.6-16.6v16.6h-6.5v-26.3h6.1l14.2,16.2v-16.2h6.5V340.1z"/> <path fill="#003299" d="M460.4,338.1c-3.6,2-6.5,2.4-10.1,2.4c-10.1,0-15.4-6.5-15.4-13.4c0-6.9,5.7-13.4,15.8-13.4 c3.6,0,6.9,0.8,9.3,2.4v5.7c-2.8-1.6-5.7-2.8-8.9-2.8c-5.7,0-9.3,3.2-9.3,8.1c0,4.9,4,8.1,9.3,8.1c3.2,0,5.7-1.2,9.3-2.8 L460.4,338.1L460.4,338.1z"/> <path fill="#003299" d="M489.9,340.1h-19.4v-26.3h19v4.9h-12.1v5.7h12.1v4.9h-12.1v6.5h12.9v4.5H489.9z"/> <path fill="#003299" d="M526.7,340.1h-5.7l-14.6-16.6v16.6H500v-26.3h6.1l14.2,16.2v-16.2h6.5L526.7,340.1L526.7,340.1z"/> <path fill="#003299" d="M561.5,318.6h-9.3v21.4h-6.5v-21.4h-9.3v-4.9h25.5v4.9H561.5z"/> <path fill="#003299" d="M582.1,314.2c5.3,0,8.5,3.6,8.5,7.7c0,2.8-1.6,4.9-4.5,6.5c2.8,1.2,3.6,4.5,7.3,12.1h-7.3 c-2.8-5.7-3.6-10.5-7.3-10.5h-2v10.5h-6.5v-26.3H582.1z M577.3,324.7h3.6c1.6,0,3.6-0.8,3.6-2.8c0-2-1.2-2.8-3.6-2.8h-3.2v5.7 H577.3z"/> <path fill="#003299" d="M628.7,340.1h-6.9l-2-5.3H608l-2,5.3h-6.9l10.5-26.3h7.7L628.7,340.1z M613.3,320.3l-3.6,10.1h8.1 L613.3,320.3z"/> <path fill="#003299" d="M657,340.1h-19.8v-26.3h6.5v21.4H657L657,340.1L657,340.1z"/> <path fill="#003299" d="M693,314.2c6.1,0,8.5,3.6,8.5,6.5c0,2-1.2,4-3.6,5.3c3.6,0.8,5.7,3.6,5.7,6.9c0,2.8-1.6,7.7-9.3,7.7 h-12.9v-26.3H693z M688.1,324.3h3.2c2.4,0,3.2-1.6,3.2-2.8c0-1.2-0.8-2.8-3.2-2.8h-3.2V324.3z M688.1,335.2h3.6 c3.6,0,4.9-0.8,4.9-3.2c0-2-1.6-2.8-4-2.8h-4.5L688.1,335.2L688.1,335.2z"/> <path fill="#003299" d="M740.3,340.1h-6.9l-2-5.3h-11.7l-2,5.3h-6.9l10.5-26.3h7.7L740.3,340.1z M725.4,320.3l-3.6,10.1h8.1 L725.4,320.3z"/> <path fill="#003299" d="M775.1,340.1h-5.7l-14.6-16.6v16.6h-6.5v-26.3h6.1l14.2,16.2v-16.2h6.5V340.1z"/> <path fill="#003299" d="M799.8,326.3l11.7,13.8h-8.1l-10.5-12.1v12.1h-6.5v-26.3h6.5v12.1l0,0l8.1-11.7h7.3L799.8,326.3z"/> </g> <g> <path fill="#003299" d="M231.8,395.5h7.7c5.7,0,8.1,3.2,8.1,6.9c0,2.8-1.2,4.5-4,5.7l0,0c4,0.8,6.5,3.2,6.5,6.9 c0,3.2-2.4,6.9-8.9,6.9h-8.9v-26.3H231.8z M235.9,406.8h2.4c3.6,0,5.7-1.2,5.7-4c0-2-1.2-3.6-4.5-3.6h-3.6V406.8z M235.9,418.2 h4.9c4.5,0,5.7-2,5.7-4c0-2.4-2-4-5.7-4h-4.5v8.1H235.9z"/> <path fill="#003299" d="M281.6,421.8h-3.6l-3.6-7.7H263l-3.2,7.7h-3.6l11.3-26.3h2.8L281.6,421.8z M264.6,410.5h8.1l-4-9.3 L264.6,410.5z"/> <path fill="#003299" d="M313.9,421.8h-3.2l-17.4-20.2v20.2h-3.6v-26.3h2.8l17.8,20.2v-20.2h3.6L313.9,421.8L313.9,421.8z"/> <path fill="#003299" d="M347.1,421.8h-5.3l-13.4-12.9v12.9h-3.6v-26.3h3.6v12.1l10.9-12.1h4.9L332.9,408L347.1,421.8z"/> <path fill="#003299" d="M358.8,421.8h-3.6v-26.3h3.6V421.8z"/> <path fill="#003299" d="M394,421.8h-3.2l-17.4-20.2v20.2h-3.6v-26.3h2.8l17.8,20.2v-20.2h3.6L394,421.8L394,421.8z"/> <path fill="#003299" d="M428,419.8c-3.6,1.6-6.5,2-10.1,2c-8.1,0-13.8-5.7-13.8-13.4c0-7.7,6.1-13.8,14.2-13.8 c3.2,0,5.3,0.4,9.3,2.4v3.6c-3.2-1.6-6.1-2.4-9.3-2.4c-5.7,0-10.1,4.5-10.1,10.1c0,5.7,4.5,10.1,10.5,10.1c2,0,4-0.4,5.7-1.2 v-5.3h-4.9v-3.2h8.9v10.9H428z"/> <path fill="#003299" d="M466.9,401.2c-2.4-2-4.5-2.8-6.1-2.8c-2.4,0-4,1.2-4,3.2c0,4.9,11.3,4.9,11.3,13.4c0,4-3.2,7.3-7.3,7.3 c-2.8,0-5.3-0.8-7.3-2.4v-4.9c2,2.4,4.5,3.6,6.9,3.6c2.8,0,4.5-2,4.5-3.2c0-5.3-11.3-6.1-11.3-13.4c0-4.5,3.2-6.9,8.1-6.9 c2,0,4,0.8,5.7,2v4H466.9z"/> <path fill="#003299" d="M499.2,411.3c0,6.5-3.6,10.5-11.7,10.5c-5.7,0-10.9-3.2-10.9-10.1v-16.2h3.6v15.4c0,2.8,0.4,4,1.6,5.3 c1.6,1.6,3.2,2.4,5.7,2.4c2.8,0,4.9-0.8,6.1-2c1.2-1.2,1.6-3.2,1.6-5.7v-15.4h3.6v15.8H499.2z"/> <path fill="#003299" d="M517.8,395.5c5.7,0,8.5,3.2,8.5,7.7c0,4-2.8,7.3-8.9,7.3h-4v11.3h-3.6v-26.3L517.8,395.5L517.8,395.5z M513.4,406.8h4.5c2.8,0,4.5-1.6,4.5-4c0-2-1.2-4-4.5-4h-4.5V406.8z"/> <path fill="#003299" d="M549.4,398.7h-11.3v8.1h10.5v3.2h-10.5v8.1h11.3v3.2H534v-26.3h15v3.6H549.4z"/> <path fill="#003299" d="M565.6,395.5c5.3,0,8.5,2.8,8.5,7.3c0,3.2-1.6,5.3-4.5,6.5c2.4,1.6,3.6,4,5.7,7.3 c1.2,1.6,1.6,2.8,3.6,5.3h-4.5l-3.6-5.3c-3.6-5.3-4.9-6.1-6.9-6.1h-1.6v11.3h-3.6v-26.3L565.6,395.5L565.6,395.5z M562.7,406.8 h2.4c4,0,5.3-2,5.3-4.5c0-2.4-1.6-4-5.3-4h-2.4V406.8z"/> <path fill="#003299" d="M595.5,421.8h-0.8l-11.3-26.3h3.6l7.7,18.2l7.7-18.2h3.6L595.5,421.8z"/> <path fill="#003299" d="M618.6,421.8h-3.6v-26.3h3.6V421.8z"/> <path fill="#003299" d="M641.6,401.2c-2.4-2-4.5-2.8-6.1-2.8c-2.4,0-4,1.2-4,3.2c0,4.9,11.3,4.9,11.3,13.4c0,4-3.2,7.3-7.3,7.3 c-2.8,0-5.3-0.8-7.3-2.4v-4.9c2,2.4,4.5,3.6,6.9,3.6c2.8,0,4.5-2,4.5-3.2c0-5.3-11.3-6.1-11.3-13.4c0-4.5,3.2-6.9,8.1-6.9 c2,0,4,0.8,5.7,2v4H641.6z"/> <path fill="#003299" d="M655.8,421.8h-3.6v-26.3h3.6V421.8z"/> <path fill="#003299" d="M679.6,395.1c8.5,0,14.2,6.1,14.2,13.4c0,6.9-5.3,13.4-14.2,13.4c-8.5,0-14.2-6.5-14.2-13.4 C665.9,401.2,671.2,395.1,679.6,395.1z M679.6,418.6c6.1,0,10.1-4.5,10.1-10.1c0-5.7-4.5-10.1-10.1-10.1s-10.1,4-10.1,10.1 C669.5,414.1,674,418.6,679.6,418.6z"/> <path fill="#003299" d="M727.8,421.8h-3.2l-17.4-20.2v20.2h-3.6v-26.3h2.8l17.8,20.2v-20.2h3.6L727.8,421.8L727.8,421.8z"/> </g> </g> </g> </g> <g id="Elements"> <g> <path fill="#003299" d="M400.9,188h21.8c0,0.8,0,1.6,0,2.8c0,33.2,26.7,59.9,59.9,59.9s59.9-26.7,59.9-59.9c0-0.8,0-1.6,0-2.8 h21.8v84.1H400.9V188L400.9,188z"/> <path fill="#003299" d="M428,190.8c0-29.9,24.3-54.2,54.2-54.2c29.9,0,54.2,24.3,54.2,54.2S512.2,245,482.2,245 C452.7,245,428,220.7,428,190.8L428,190.8z"/> <polygon fill="#FFF315" points="487.9,145.5 484.7,147.9 485.9,151.6 482.6,149.5 479.4,151.6 480.6,147.9 477.4,145.5 481.4,145.5 482.6,141.8 483.8,145.5 "/> <polygon fill="#FFF315" points="487.9,232.5 484.7,234.9 485.9,238.5 482.6,236.5 479.4,238.5 480.6,234.9 477.4,232.5 481.4,232.5 482.6,228.8 483.8,232.5 "/> <polygon fill="#FFF315" points="509.3,151.6 506.1,154 507.3,157.6 504.5,155.2 501.2,157.6 502.5,154 499.2,151.6 502.9,151.6 504.5,147.5 505.7,151.6 "/> <polygon fill="#FFF315" points="525.5,167.3 522.3,169.8 523.5,173.4 520.3,171 517,173.4 518.2,169.8 515,167.3 519,167.3 520.3,163.7 521.5,167.3 "/> <polygon fill="#FFF315" points="531.2,189.2 527.9,191.6 529.2,195.2 525.9,192.8 522.7,195.2 523.9,191.6 520.7,189.2 524.7,189.2 525.9,185.5 527.1,189.2 "/> <polygon fill="#FFF315" points="525.5,211 522.3,213 523.5,217.1 520.3,214.7 517,217.1 518.2,213 515,211 519,211 520.3,207 521.5,211 "/> <polygon fill="#FFF315" points="509.3,226.8 506.1,229.2 507.3,232.9 504.5,230.4 501.2,232.9 502.5,229.2 499.2,226.8 502.9,226.8 504.5,223.2 505.7,226.8 "/> <polygon fill="#FFF315" points="466,226.8 462.8,229.2 464,232.9 460.8,230.4 457.5,232.9 458.8,229.2 455.5,226.8 459.6,226.8 460.8,223.2 462,226.8 "/> <polygon fill="#FFF315" points="444.2,189.2 441,191.6 442.2,195.2 438.9,192.8 435.7,195.2 436.9,191.6 434.1,189.2 437.7,189.2 438.9,185.5 440.2,189.2 "/> <polygon fill="#FFF315" points="466,151.6 462.8,154 464,157.6 460.8,155.2 457.5,157.6 458.8,154 455.5,151.6 459.6,151.6 460.8,147.5 462,151.6 "/> <polygon fill="#FFF315" points="449.9,167.3 447,169.8 448.2,173.4 445,171 441.8,173.4 443,169.8 439.7,167.3 443.8,167.3 445,163.7 446.2,167.3 "/> <polygon fill="#FFF315" points="449.9,211 447,213 448.2,217.1 445,214.7 441.8,217.1 443,213 439.7,211 443.8,211 445,207 446.2,211 "/> <path fill="#FFF315" d="M449.9,183.5h6.5c3.2-12.9,15-22.3,29.1-22.3c8.1,0,15.8,3.2,21,8.9l-2,5.3c-4.5-5.3-11.3-8.9-19-8.9 c-11.3,0-20.6,7.3-23.9,17.4h39.2l-2,4.9h-38.4c0,0.8,0,1.6,0,2.4c0,0.8,0,1.6,0,2.4h36l-2,4.9h-33.2 c3.2,10.1,12.5,17.4,23.9,17.4c7.7,0,14.6-3.6,19-8.9v6.9c-5.3,4.5-11.7,6.9-19,6.9c-13.8,0-25.5-9.7-29.1-22.3h-8.5l2-4.9h5.7 c0-0.8,0-1.6,0-2.4c0-0.8,0-1.6,0-2.4h-7.7L449.9,183.5L449.9,183.5z"/> <rect x="387.6" y="364.8" fill="#003299" width="190.1" height="2.8"/> </g> </g> </svg></div> </a> </div> <div id="language-selector-holder" role="button"> <div id="language-selector">LANGUAGE:</div> <div id="language-selected"><span class="ecb-full">EN</span></div> <div id="language-values"> <a href="index.bg.html" class="available" lang="bg" title="Български"><span class="ecb-full">Български</span></a><a href="index.cs.html" class="available" lang="cs" title="Čeština"><span class="ecb-full">Čeština</span></a><a href="index.da.html" class="available" lang="da" title="Dansk"><span class="ecb-full">Dansk</span></a><a href="index.de.html" class="available" lang="de" title="Deutsch"><span class="ecb-full">Deutsch</span></a><a href="index.el.html" class="available" lang="el" title="Eλληνικά"><span class="ecb-full">Eλληνικά</span></a><a href="index.en.html" class="selected available" lang="en" title="English"><span class="ecb-full">English</span></a><a href="index.es.html" class="available" lang="es" title="Español"><span class="ecb-full">Español</span></a><a href="index.et.html" class="available" lang="et" title="Eesti keel"><span class="ecb-full">Eesti keel</span></a><a href="index.fi.html" class="available" lang="fi" title="Suomi"><span class="ecb-full">Suomi</span></a><a href="index.fr.html" class="available" lang="fr" title="Français"><span class="ecb-full">Français</span></a><a href="index.ga.html" class="available" lang="ga" title="Gaeilge"><span class="ecb-full">Gaeilge</span></a><a href="index.hr.html" class="available" lang="hr" title="Hrvatski"><span class="ecb-full">Hrvatski</span></a><a href="index.hu.html" class="available" lang="hu" title="Magyar"><span class="ecb-full">Magyar</span></a><a href="index.it.html" class="available" lang="it" title="Italiano"><span class="ecb-full">Italiano</span></a><a href="index.lt.html" class="available" lang="lt" title="Lietuvių"><span class="ecb-full">Lietuvių</span></a><a href="index.lv.html" class="available" lang="lv" title="Latviešu"><span class="ecb-full">Latviešu</span></a><a href="index.mt.html" class="available" lang="mt" title="Malti"><span class="ecb-full">Malti</span></a><a href="index.nl.html" class="available" lang="nl" title="Nederlands"><span class="ecb-full">Nederlands</span></a><a href="index.pl.html" class="available" lang="pl" title="Polski"><span class="ecb-full">Polski</span></a><a href="index.pt.html" class="available" lang="pt" title="Português"><span class="ecb-full">Português</span></a><a href="index.ro.html" class="available" lang="ro" title="Română"><span class="ecb-full">Română</span></a><a href="index.sk.html" class="available" lang="sk" title="Slovenčina"><span class="ecb-full">Slovenčina</span></a><a href="index.sl.html" class="available" lang="sl" title="Slovenščina"><span class="ecb-full">Slovenščina</span></a><a href="index.sv.html" class="available" lang="sv" title="Svenska"><span class="ecb-full">Svenska</span></a> </div> </div> <button id="hamburger" aria-haspopup="true" > Menu <div class="icon"> <div class="line-outer"> <div class="line-inner"></div> </div> <div class="line-outer"> <div class="line-inner"></div> </div> <div class="line-outer"> <div class="line-inner"></div> </div> </div> </button> <div class="logo"> <a href="/home/html/index.en.html" alt="Go to our homepage"> <img src="/shared/img/logo/logo_only.svg" alt="our logo, a yellow Euro sign surrounded by yellow stars centered in a dark blue circle resting on a dark blue base"> </a> </div> <div id="ecb-mainnavwrapper"><a class="" href="/about/html/index.en.html">About</a> <a class="" href="/banking/html/index.en.html">Supervisory practices</a> <a class="" href="/organisation/html/index.en.html">Organisation & Governance</a> <a class="" href="/legalframework/html/index.en.html">Legal & Policy Framework</a> <a class="" href="/press/html/index.en.html">Media & Publications</a> <a class="" href="/careers/html/index.en.html">Careers</a> <a class="-ecb" href="https://www.ecb.europa.eu/home/html/index.en.html">ECB website</a> </div> <div id="page-actions"> <div class="ecb-quickSearch" style="width:100%;"> <form role="search" method="get" style="width:100%;display:flex" onsubmit="return false"> <input type="text" name="search" class="addsearch" id="searchInput" maxlength="300" alt="Search" autocomplete="off" /> <a href="#" id="searchButton">Search</a> </form> </div> </div> </div> </header> <div id="addSearch-container-full"> <div class="blue-bg"> <div class="arrow-top"></div> <div class="section filter-radio"> <div class="tabs-container -white-blue"> <input id="searchAll" name="search-tab-group" type="radio" checked="" onClick="ECB.slow.addSearchApi.filterDate(this.value);" value="all"> <label for="searchAll" class="count-hits-all">ANYTIME <span class="count-hits"></span></label> <div class="spacer"></div> <input id="searchMonth" name="search-tab-group" type="radio" onClick="ECB.slow.addSearchApi.filterDate(this.value);" value="month"> <label for="searchMonth" class="count-hits-month">PAST MONTH <span class="count-hits"></span></label> <div class="spacer"></div> <input id="searchYear" name="search-tab-group" type="radio" onClick="ECB.slow.addSearchApi.filterDate(this.value);" value="year"> <label for="searchYear" class="count-hits-year">PAST YEAR <span class="count-hits"></span></label> </div> <div class="tabs-search-options-head"> <div id="text-search-options" class="title-option">Search Options</div> <div id="text-image-preview" class="title-option hidden">Image Preview</div> </div> </div> <div class="arrow-bottom"></div> <div class="filter-selection form"> <div class="form-content"> <form> <div> <label for="dropdownSuggestions">Sort by</label> <div id="dropdownFilter" class="dropdown"> <span class="icon"></span> <select onchange="ECB.slow.addSearchApi.filterDate(this.value)" id="searchFilterDate"> <option value="all" class="count-hits-all">ANYTIME </option> <option value="month" class="count-hits-month">PAST MONTH </option> <option value="year" class="count-hits-year">PAST YEAR </option> </select> </div> </div> <div> <label for="dropdownSuggestions" class="space-top">Suggestions</label> <div id="dropdownSuggestions" class="dropdown"> <span class="icon"></span> <select onchange="ECB.slow.addSearchApi.initSearch(this.value)" id="searchSuggestion"> <option></option> </select> </div> </div> </form> </div> </div> </div> <div class="white-bg"> <div class="section"> <div class="result-main-panel">  <div id="addsearch-api-results"></div> <div class="addsearch-legends-categories"> <span id="adcat_home">Home</span> <span id="adcat_press">Media</span> <span id="adcat_explainers">Explainers</span> <span id="adcat_pub">Research & Publications</span> <span id="adcat_stats">Statistics</span> <span id="adcat_mopo">Monetary Policy</span> <span id="adcat_euro">The €uro</span> <span id="adcat_paym">Payments & Markets</span> <span id="adcat_career">Careers</span> </div> </div> <div class="result-side-panel"> <div id="addsearch-sidemenu"> <div id="result-suggestions"> <span>Suggestions</span> <div id="suggestions-container"> </div> </div> <div id="result-sortBy"> <span>Sort by</span> <div id="sortby-radio-container"> <div class="addsearch-sortby-radiogroup"> <label> <input id="sort-by-relevance" type="radio" name="sortby-radio-container" onclick="ECB.slow.addSearchApi.sortBy('relevance')" data-field="relevance" data-order="desc" value="" checked="">Relevance </label> <label> <input id="sort-by-date" type="radio" name="sortby-radio-container" onclick="ECB.slow.addSearchApi.sortBy('date')" data-field="date" data-order="desc" value="">Date </label> </div> </div> </div> </div> <div id="addsearch-image-container"><a href="#" class="no-icon" target="_blank"><img src="" id="addsearch-image" /></a></div> </div> </div> </div> </div> <div id="main-wrapper"> <main> <div class="slider-large -left -gradient-box"> <div class="slider_image fast image-attribution" data-image="/home/shared/img/bas/slide-1_8bf88407c16ed895ac237bec799ec9d5.jpg" data-image-webp="/home/shared/img/bas/slide-1_8bf88407c16ed895ac237bec799ec9d5.webp" ></div> <div class="slider_content_container"> <div class="slider_text"> <div class="slider_header_container"> <div class="slider_text_sub_title"> <p>SPEECH</p> </div> <div class="slider_text_heading"> <h2>Contributing towards a low-carbon economy</h2> </div> </div> <div class="slider_text_content"> <p>Climate-related and environmental risks are highly relevant for banks, says Supervisory Board Chair Claudia Buch. As supervisors, we must ensure that banks properly manage these risks and have sufficient capital buffers in place.</p> <a href="/press/speeches/date/2024/html/ssm.sp241121~e997bd2508.en.html" class="button">Read the speech</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_9c287999165ab54428ca820d48ea5c85.jpg" data-image-webp="/home/shared/img/bas/box-1_9c287999165ab54428ca820d48ea5c85.webp" > </div> <div> <div> <span class="type">SPEECH</span> <span class="date">26 November 2024</span> </div> <h3> Keeping Europe’s banks competitive <br></h3> <p>A secure financial system is essential for long-term competitiveness, says Supervisory Board member Elizabeth McCaul. We should not see safety and competitiveness as opposing forces; they are both necessary for resilience. Digital transformation is the key to staying competitive.</p> <a href="/press/speeches/date/2024/html/ssm.sp241126~37957cad76.en.html">Read Elizabeth's speech</a> </div> </div> <div class="box"> <div data-image="/home/shared/img/bas/box-2_84c9f627e270fedfa571b523cc8587ae.jpg" data-image-webp="/home/shared/img/bas/box-2_84c9f627e270fedfa571b523cc8587ae.webp" > </div> <div> <div> <span class="type">INTERVIEW</span> <span class="date">22 November 2024</span> </div> <h3> What lies ahead for European banks? <br></h3> <p>The banking sector remains strong, says Supervisory Board member Anneli Tuominen. Nonetheless, supervisors must ensure that banks manage the changing risk landscape, focusing on geopolitical, digital and IT-related risks, operational resilience and the green transition.</p> <a href="/press/interviews/date/2024/html/ssm.in241122~2163c42f53.en.html">Read Anneli's Q&A</a> </div> </div> <div class="box"> <div data-image="/home/shared/img/bas/box-3_3dcaeebbc34050467e2abb5d2e135dcc.jpg" data-image-webp="/home/shared/img/bas/box-3_3dcaeebbc34050467e2abb5d2e135dcc.webp" > </div> <div> <div> <span class="type">CALL FOR INTEREST</span> <span class="date">25 November 2024</span> </div> <h3> Traineeships in banking supervision <br></h3> <p>Are you interested in helping keep Europe’s banks safe? We are hiring 100 banking supervision trainees. If you are a recent university graduate in a relevant field eager to work with international experts, check out the position and contribute to our mission. Apply by 8 December!</p> <a href="https://talent.ecb.europa.eu/careers/JobDetail/Traineeships-in-Banking-Supervision/10836">Read the vacancy notice</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="2024-11-15"><div class="date">15 November 2024</div></dt><dd><div class="category">PRESS RELEASE</div><div class="title"><a href="/press/pr/date/2024/html/ssm.pr241115~f2ac092d72.en.html" >ECB sanctions Banque et Caisse d’Epargne de l’Etat, Luxembourg for misreporting capital requirements</a></div><div class="ecb-langSelector"><span class="offeredLanguage"><a class='arrow' lang="en" href="/press/pr/date/2024/html/ssm.pr241115~f2ac092d72.en.html"> <span class="ecb-full">English</span></a></span></div><div class="ecb-langSelector"><span class="offeredLanguage"><a class='pdf' lang="de" href="/press/pr/date/2024/html/ssm.pr241115~f2ac092d72.de.pdf" data-label="German"> <span class="ecb-full">Deutsch</span></a></span><div class="moreLanguages"> <span class="lnglabel">OTHER LANGUAGES</span> <span class="lang-counter">(2)</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="es" href="/press/pr/date/2024/html/ssm.pr241115~f2ac092d72.es.pdf" data-label="Spanish"> <span class="ecb-full">Español</span><span class="ecb-short">ES</span></a><a lang="fr" href="/press/pr/date/2024/html/ssm.pr241115~f2ac092d72.fr.pdf" data-label="French"> <span class="ecb-full">Français</span><span class="ecb-short">FR</span></a></div></div></div></dd><dt isoDate="2024-11-08"><div class="date">8 November 2024</div></dt><dd><div class="category">PRESS RELEASE</div><div class="title"><a href="/press/pr/date/2024/html/ssm.pr241108~2c3cf996cf.en.html" >ECB consults on its approach to options and discretions available in EU law</a></div><div class="ecb-langSelector"><span class="offeredLanguage"><a class='arrow' lang="en" href="/press/pr/date/2024/html/ssm.pr241108~2c3cf996cf.en.html"> <span class="ecb-full">English</span></a></span></div><div class="ecb-langSelector"><span class="offeredLanguage"><a class='pdf' lang="de" href="/press/pr/date/2024/html/ssm.pr241108~2c3cf996cf.de.pdf" data-label="German"> <span class="ecb-full">Deutsch</span></a></span><div class="moreLanguages"> <span class="lnglabel">OTHER LANGUAGES</span> <span class="lang-counter">(2)</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="es" href="/press/pr/date/2024/html/ssm.pr241108~2c3cf996cf.es.pdf" data-label="Spanish"> <span class="ecb-full">Español</span><span class="ecb-short">ES</span></a><a lang="fr" href="/press/pr/date/2024/html/ssm.pr241108~2c3cf996cf.fr.pdf" data-label="French"> <span class="ecb-full">Français</span><span class="ecb-short">FR</span></a></div></div></div></dd><dt isoDate="2024-09-23"><div class="date">23 September 2024</div></dt><dd><div class="category">PRESS RELEASE</div><div class="title"><a href="/press/pr/date/2024/html/ssm.pr240923~3487647ca3.en.html" >ECB publishes supervisory banking statistics on significant institutions for the second quarter of 2024</a></div><div class="ecb-langSelector"><span class="offeredLanguage"><a class='arrow' lang="en" href="/press/pr/date/2024/html/ssm.pr240923~3487647ca3.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="2024-09-23"><div class="date">23 September 2024</div></dt><dd><div class="category">OTHER PUBLICATION</div><div class="title"><a href="/ecb/pub/pdf/ssm.supervisorybankingstatistics_second_quarter_2024_202409~ccd5ded94e.en.pdf?421d9ca9b77f09ae570ca585ca3f0a3d" >Supervisory Banking Statistics for significant institutions - Second quarter 2024</a></div><div class="ecb-langSelector"><span class="offeredLanguage"><a class='pdf' lang="en" href="/ecb/pub/pdf/ssm.supervisorybankingstatistics_second_quarter_2024_202409~ccd5ded94e.en.pdf"> <span class="ecb-full">English</span></a></span></div></dd></dl></div></div></div></dd><dt isoDate="2024-07-26"><div class="date">26 July 2024</div></dt><dd><div class="category">PRESS RELEASE</div><div class="title"><a href="/press/pr/date/2024/html/ssm.pr240726~06d5776a02.en.html" >ECB concludes cyber resilience stress test</a></div><div class="ecb-langSelector"><span class="offeredLanguage"><a class='arrow' lang="en" href="/press/pr/date/2024/html/ssm.pr240726~06d5776a02.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 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="bg" href="/press/pr/date/2024/html/ssm.pr240726~06d5776a02.bg.html"> <span class="ecb-full">Български</span><span class="ecb-short">BG</span></a><a lang="de" href="/press/pr/date/2024/html/ssm.pr240726~06d5776a02.de.html"> <span class="ecb-full">Deutsch</span><span class="ecb-short">DE</span></a><a lang="el" href="/press/pr/date/2024/html/ssm.pr240726~06d5776a02.el.html"> <span class="ecb-full">Eλληνικά</span><span class="ecb-short">EL</span></a><a lang="es" href="/press/pr/date/2024/html/ssm.pr240726~06d5776a02.es.html"> <span class="ecb-full">Español</span><span class="ecb-short">ES</span></a><a lang="et" href="/press/pr/date/2024/html/ssm.pr240726~06d5776a02.et.html"> <span class="ecb-full">Eesti keel</span><span class="ecb-short">ET</span></a><a lang="fi" href="/press/pr/date/2024/html/ssm.pr240726~06d5776a02.fi.html"> <span class="ecb-full">Suomi</span><span class="ecb-short">FI</span></a><a lang="fr" href="/press/pr/date/2024/html/ssm.pr240726~06d5776a02.fr.html"> <span class="ecb-full">Français</span><span class="ecb-short">FR</span></a><a lang="hr" href="/press/pr/date/2024/html/ssm.pr240726~06d5776a02.hr.html"> <span class="ecb-full">Hrvatski</span><span class="ecb-short">HR</span></a><a lang="it" href="/press/pr/date/2024/html/ssm.pr240726~06d5776a02.it.html"> <span class="ecb-full">Italiano</span><span class="ecb-short">IT</span></a><a lang="lt" href="/press/pr/date/2024/html/ssm.pr240726~06d5776a02.lt.html"> <span class="ecb-full">Lietuvių</span><span class="ecb-short">LT</span></a><a lang="lv" href="/press/pr/date/2024/html/ssm.pr240726~06d5776a02.lv.html"> <span class="ecb-full">Latviešu</span><span class="ecb-short">LV</span></a><a lang="nl" href="/press/pr/date/2024/html/ssm.pr240726~06d5776a02.nl.html"> <span class="ecb-full">Nederlands</span><span class="ecb-short">NL</span></a><a lang="pt" href="/press/pr/date/2024/html/ssm.pr240726~06d5776a02.pt.html"> <span class="ecb-full">Português</span><span class="ecb-short">PT</span></a><a lang="sk" href="/press/pr/date/2024/html/ssm.pr240726~06d5776a02.sk.html"> <span class="ecb-full">Slovenčina</span><span class="ecb-short">SK</span></a><a lang="sl" href="/press/pr/date/2024/html/ssm.pr240726~06d5776a02.sl.html"> <span class="ecb-full">Slovenščina</span><span class="ecb-short">SL</span></a><a lang="sv" href="/press/pr/date/2024/html/ssm.pr240726~06d5776a02.sv.html"> <span class="ecb-full">Svenska</span><span class="ecb-short">SV</span></a></div></div></div><div class='accordion'><div class="header"><div class="title">Related</div></div><div class="content-box"><div class="definition-list "><dl><dt isoDate="2024-07-26"><div class="date">26 July 2024</div></dt><dd><div class="category">FAQ</div><div class="title"><a href="/press/publications/html/ssm.faq_cyber_resilience_stresstest~3a948c6d73.en.html" >FAQ on 2024 cyber resilience stress test</a></div><div class="ecb-langSelector"><span class="offeredLanguage"><a class='arrow' lang="en" href="/press/publications/html/ssm.faq_cyber_resilience_stresstest~3a948c6d73.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 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="bg" href="/press/publications/html/ssm.faq_cyber_resilience_stresstest~3a948c6d73.bg.html"> <span class="ecb-full">Български</span><span class="ecb-short">BG</span></a><a lang="de" href="/press/publications/html/ssm.faq_cyber_resilience_stresstest~3a948c6d73.de.html"> <span class="ecb-full">Deutsch</span><span class="ecb-short">DE</span></a><a lang="el" href="/press/publications/html/ssm.faq_cyber_resilience_stresstest~3a948c6d73.el.html"> <span class="ecb-full">Eλληνικά</span><span class="ecb-short">EL</span></a><a lang="es" href="/press/publications/html/ssm.faq_cyber_resilience_stresstest~3a948c6d73.es.html"> <span class="ecb-full">Español</span><span class="ecb-short">ES</span></a><a lang="et" href="/press/publications/html/ssm.faq_cyber_resilience_stresstest~3a948c6d73.et.html"> <span class="ecb-full">Eesti keel</span><span class="ecb-short">ET</span></a><a lang="fi" href="/press/publications/html/ssm.faq_cyber_resilience_stresstest~3a948c6d73.fi.html"> <span class="ecb-full">Suomi</span><span class="ecb-short">FI</span></a><a lang="fr" href="/press/publications/html/ssm.faq_cyber_resilience_stresstest~3a948c6d73.fr.html"> <span class="ecb-full">Français</span><span class="ecb-short">FR</span></a><a lang="hr" href="/press/publications/html/ssm.faq_cyber_resilience_stresstest~3a948c6d73.hr.html"> <span class="ecb-full">Hrvatski</span><span class="ecb-short">HR</span></a><a lang="it" href="/press/publications/html/ssm.faq_cyber_resilience_stresstest~3a948c6d73.it.html"> <span class="ecb-full">Italiano</span><span class="ecb-short">IT</span></a><a lang="lt" href="/press/publications/html/ssm.faq_cyber_resilience_stresstest~3a948c6d73.lt.html"> <span class="ecb-full">Lietuvių</span><span class="ecb-short">LT</span></a><a lang="lv" href="/press/publications/html/ssm.faq_cyber_resilience_stresstest~3a948c6d73.lv.html"> <span class="ecb-full">Latviešu</span><span class="ecb-short">LV</span></a><a lang="nl" href="/press/publications/html/ssm.faq_cyber_resilience_stresstest~3a948c6d73.nl.html"> <span class="ecb-full">Nederlands</span><span class="ecb-short">NL</span></a><a lang="pt" href="/press/publications/html/ssm.faq_cyber_resilience_stresstest~3a948c6d73.pt.html"> <span class="ecb-full">Português</span><span class="ecb-short">PT</span></a><a lang="sk" href="/press/publications/html/ssm.faq_cyber_resilience_stresstest~3a948c6d73.sk.html"> <span class="ecb-full">Slovenčina</span><span class="ecb-short">SK</span></a><a lang="sl" href="/press/publications/html/ssm.faq_cyber_resilience_stresstest~3a948c6d73.sl.html"> <span class="ecb-full">Slovenščina</span><span class="ecb-short">SL</span></a><a lang="sv" href="/press/publications/html/ssm.faq_cyber_resilience_stresstest~3a948c6d73.sv.html"> <span class="ecb-full">Svenska</span><span class="ecb-short">SV</span></a></div></div></div></dd></dl></div></div></div></dd><dt isoDate="2024-07-24"><div class="date">24 July 2024</div></dt><dd><div class="category">PRESS RELEASE</div><div class="title"><a href="/press/pr/date/2024/html/ssm.pr240724~af95040adc.en.html" >ECB consults on governance and risk culture</a></div><div class="ecb-langSelector"><span class="offeredLanguage"><a class='arrow' lang="en" href="/press/pr/date/2024/html/ssm.pr240724~af95040adc.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="2024-07-24"><div class="date">24 July 2024</div></dt><dd><div class="category">PUBLIC CONSULTATION</div><div class="title"><a href="/legalframework/publiccons/pdf/ssm.pubcon202407_draftguide.en.pdf?4532f41855e11e6a317fcb07e5532b56" >Draft guide on governance and risk culture</a></div><div class="ecb-langSelector"><span class="offeredLanguage"><a class='pdf' lang="en" href="/legalframework/publiccons/pdf/ssm.pubcon202407_draftguide.en.pdf"> <span class="ecb-full">English</span></a></span></div></dd><dt isoDate="2024-09-26"><div class="date">26 September 2024</div></dt><dd><div class="category">PAGE</div><div class="title"><a href="/framework/legal-framework/public-consultations/html/governance_and_risk_culture.en.html" data-label="English" >Public consultation on the Guide on governance and risk culture</a></div><div class="ecb-langSelector"><span class="offeredLanguage"><a class='arrow' lang="en" href="/framework/legal-framework/public-consultations/html/governance_and_risk_culture.en.html" data-label="English"> <span class="ecb-full">English</span></a></span></div></dd></dl></div></div></div></dd> </dl> </div> <div class="click-for-more"> <a href="/press/pr/html/index.en.html" class="arrow">ALL PRESS RELEASES</a> </div> </div> <input id="t3" name="homepage-tab-group" type="radio"> <label for="t3"><span class="arrow"></span>Speeches </label> <div class="tab-content"> <div class="definition-list -zebra"> <dl> <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 class="ecb-full">English</span></a></span></div></dd><dt isoDate="2024-11-21"><div class="date">21 November 2024</div></dt><dd><div class="category">SPEECH</div><div class="title"><a href="/press/speeches/date/2024/html/ssm.sp241121_1~a44cdcad2d.en.html" >Frank Elderson: Securing stability in an insecure environment: navigating a bottleneck economy</a></div><div class="subtitle">Speech by Frank Elderson, Member of the Executive Board of the ECB and Vice-Chair of the Supervisory Board of the ECB, at the University of Cyprus, Nicosia</div><div class="ecb-langSelector"><span class="offeredLanguage"><a class='arrow' lang="en" href="/press/speeches/date/2024/html/ssm.sp241121_1~a44cdcad2d.en.html"> <span class="ecb-full">English</span></a></span></div></dd><dt isoDate="2024-11-21"><div class="date">21 November 2024</div></dt><dd><div class="category">SPEECH</div><div class="title"><a href="/press/speeches/date/2024/html/ssm.sp241121~e997bd2508.en.html" >Claudia Buch: The transition towards a low-carbon economy: What supervision can contribute</a></div><div class="subtitle">Speech by Claudia Buch, Chair of the Supervisory Board of the ECB, ESM/CEBRA conference “The Role of Central Banks and International Financial Institutions in the Transition Towards a Low-Carbon Economy”</div><div class="ecb-langSelector"><span class="offeredLanguage"><a class='arrow' lang="en" href="/press/speeches/date/2024/html/ssm.sp241121~e997bd2508.en.html"> <span class="ecb-full">English</span></a></span></div></dd><dt isoDate="2024-11-19"><div class="date">19 November 2024</div></dt><dd><div class="category">SPEECH</div><div class="title"><a href="/press/speeches/date/2024/html/ssm.sp241119~10f38e062e.en.html" >Frank Elderson: Taking account of nature, naturally</a></div><div class="subtitle">Speech by Frank Elderson, Member of the Executive Board of the ECB and Vice-Chair of the Supervisory Board of the ECB, at the tenth Green Finance Forum “Innovate in Nature”</div><div class="ecb-langSelector"><span class="offeredLanguage"><a class='arrow' lang="en" href="/press/speeches/date/2024/html/ssm.sp241119~10f38e062e.en.html"> <span class="ecb-full">English</span></a></span></div></dd><dt isoDate="2024-11-18"><div class="date">18 November 2024</div></dt><dd><div class="category">SPEECH</div><div class="title"><a href="/press/speeches/date/2024/html/ssm.sp241118~cc34c8699f.en.html" >Claudia Buch: Hearing of the Committee on Economic and Monetary Affairs of the European Parliament</a></div><div class="subtitle">Introductory statement by Claudia Buch, Chair of the Supervisory Board of the ECB, at the Hearing of the Committee on Economic and Monetary Affairs of the European Parliament</div><div class="ecb-langSelector"><span class="offeredLanguage"><a class='arrow' lang="en" href="/press/speeches/date/2024/html/ssm.sp241118~cc34c8699f.en.html"> <span class="ecb-full">English</span></a></span></div></dd> </dl> </div> <div class="click-for-more"> <a href="/press/speeches/html/index.en.html" class="arrow">ALL SPEECHES</a> </div> </div> <input id="t4" name="homepage-tab-group" type="radio"> <label for="t4"><span class="arrow"></span>Interviews </label> <div class="tab-content"> <div class="definition-list -zebra"> <dl> <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><dt isoDate="2024-11-05"><div class="date">5 November 2024</div></dt><dd><div class="title"><a href="/press/interviews/date/2024/html/ssm.in241105~1916c5d68a.en.html" >Claudia Buch: Interview with Expansion, Handelsblatt, Il Sole 24 Ore, Les Echos</a></div><div class="subtitle">Interview with Claudia Buch, Chair of the Supervisory Board of the ECB, conducted by Isabella Bufacchi, Thibaut Madelin, Yasmin Osman, Andres Stumpf</div><div class="ecb-langSelector"><span class="offeredLanguage"><a class='arrow' lang="en" href="/press/interviews/date/2024/html/ssm.in241105~1916c5d68a.en.html"> <span class="ecb-full">English</span></a></span></div></dd><dt isoDate="2024-10-08"><div class="date">8 October 2024</div></dt><dd><div class="title"><a href="/press/interviews/date/2024/html/ssm.in241008~3b4a13f5c9.en.html" >Frank Elderson: Interview with Delo</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 Miha Jenko</div><div class="ecb-langSelector"><span class="offeredLanguage"><a class='arrow' lang="en" href="/press/interviews/date/2024/html/ssm.in241008~3b4a13f5c9.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="sl" href="/press/interviews/date/2024/html/ssm.in241008~3b4a13f5c9.sl.html"> <span class="ecb-full">Slovenščina</span><span class="ecb-short">SL</span></a></div></div></div></dd><dt isoDate="2024-09-10"><div class="date">10 September 2024</div></dt><dd><div class="title"><a href="/press/interviews/date/2024/html/ssm.in240910_1~121f10c559.en.html" >Elizabeth McCaul: Adapting to technological shifts: supervision in the evolving financial landscape</a></div><div class="subtitle">Contribution by Elizabeth McCaul, Member of the Supervisory Board of the ECB, for Eurofi Magazine</div><div class="ecb-langSelector"><span class="offeredLanguage"><a class='arrow' lang="en" href="/press/interviews/date/2024/html/ssm.in240910_1~121f10c559.en.html"> <span class="ecb-full">English</span></a></span></div></dd><dt isoDate="2024-09-10"><div class="date">10 September 2024</div></dt><dd><div class="title"><a href="/press/interviews/date/2024/html/ssm.in240910~cc7b0b0dc1.en.html" >Elizabeth McCaul: Operationalising climate-related and environmental risk management </a></div><div class="subtitle">Contribution by Elizabeth McCaul, Member of the Supervisory Board of the ECB, for Eurofi Magazine</div><div class="ecb-langSelector"><span class="offeredLanguage"><a class='arrow' lang="en" href="/press/interviews/date/2024/html/ssm.in240910~cc7b0b0dc1.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="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><dt isoDate="2024-07-11"><div class="date">11 July 2024</div></dt><dd><div class="title"><a href="/press/blog/2024/html/ssm.blog240711~db8cfa5ca6.en.html" >Elizabeth McCaul: A key step in assessing SSM banks’ digitalisation journey and related risks </a></div><div class="subtitle">Assessing how banks implement their digitalisation activities and manage the related risks has been one of the ECB’s supervisory priorities in recent years. We have now completed a key milestone for defining assessment criteria and in gathering sound practices. The Supervision Blog looks at this important step. </div><div class="ecb-langSelector"><span class="offeredLanguage"><a class='arrow' lang="en" href="/press/blog/2024/html/ssm.blog240711~db8cfa5ca6.en.html"> <span class="ecb-full">English</span></a></span></div></dd><dt isoDate="2024-05-28"><div class="date">28 May 2024</div></dt><dd><div class="title"><a href="/press/blog/2024/html/ssm.blog240528~6f5a4f76c5.en.html" >Claudia Buch: Reforming the SREP: an important milestone towards more efficient and effective supervision in a new risk environment</a></div><div class="subtitle">The Supervisory Board has decided to update its annual health check of banks, the Supervisory Review and Evaluation Process. Triggered by structural shifts, new risks and external shocks, the changes aim at making the SREP more efficient and effective.</div><div class="ecb-langSelector"><span class="offeredLanguage"><a class='arrow' lang="en" href="/press/blog/2024/html/ssm.blog240528~6f5a4f76c5.en.html"> <span class="ecb-full">English</span></a></span></div></dd><dt isoDate="2024-05-08"><div class="date">8 May 2024</div></dt><dd><div class="title"><a href="/press/blog/2024/html/ssm.blog080524~d4ed83af2c.en.html" >Frank Elderson: You have to know your risks to manage them – banks’ materiality assessments as a crucial precondition for managing climate and environmental risks</a></div><div class="subtitle">Materiality assessments are not just a “nice to have” – knowing your risks is a precondition for being able to address them. Most banks have now drawn up materiality assessments that are in line with our supervisory expectations. This is good news, but it is only the first step. A great deal more work lies ahead. By the end of this year, we expect all banks under our supervision to be fully aligned with all our supervisory expectations on the sound management of C&E risks. </div><div class="ecb-langSelector"><span class="offeredLanguage"><a class='arrow' lang="en" href="/press/blog/2024/html/ssm.blog080524~d4ed83af2c.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="2024-11-18"><div class="date">18 November 2024</div></dt><dd><div class="category">OTHER PUBLICATION</div><div class="title"><a href="/ecb/pub/html/ssm.aborreview202411~c45bf4bd33.en.html" >Administrative Board of Review - Ten years of experience reviewing ECB supervisory decisions</a></div><div class="ecb-langSelector"><span class="offeredLanguage"><a class='arrow' lang="en" href="/ecb/pub/html/ssm.aborreview202411~c45bf4bd33.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 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="bg" href="/ecb/pub/html/ssm.aborreview202411~c45bf4bd33.bg.html"> <span class="ecb-full">Български</span><span class="ecb-short">BG</span></a><a lang="de" href="/ecb/pub/html/ssm.aborreview202411~c45bf4bd33.de.html"> <span class="ecb-full">Deutsch</span><span class="ecb-short">DE</span></a><a lang="el" href="/ecb/pub/html/ssm.aborreview202411~c45bf4bd33.el.html"> <span class="ecb-full">Eλληνικά</span><span class="ecb-short">EL</span></a><a lang="es" href="/ecb/pub/html/ssm.aborreview202411~c45bf4bd33.es.html"> <span class="ecb-full">Español</span><span class="ecb-short">ES</span></a><a lang="et" href="/ecb/pub/html/ssm.aborreview202411~c45bf4bd33.et.html"> <span class="ecb-full">Eesti keel</span><span class="ecb-short">ET</span></a><a lang="fi" href="/ecb/pub/html/ssm.aborreview202411~c45bf4bd33.fi.html"> <span class="ecb-full">Suomi</span><span class="ecb-short">FI</span></a><a lang="fr" href="/ecb/pub/html/ssm.aborreview202411~c45bf4bd33.fr.html"> <span class="ecb-full">Français</span><span class="ecb-short">FR</span></a><a lang="hr" href="/ecb/pub/html/ssm.aborreview202411~c45bf4bd33.hr.html"> <span class="ecb-full">Hrvatski</span><span class="ecb-short">HR</span></a><a lang="it" href="/ecb/pub/html/ssm.aborreview202411~c45bf4bd33.it.html"> <span class="ecb-full">Italiano</span><span class="ecb-short">IT</span></a><a lang="lt" href="/ecb/pub/html/ssm.aborreview202411~c45bf4bd33.lt.html"> <span class="ecb-full">Lietuvių</span><span class="ecb-short">LT</span></a><a lang="lv" href="/ecb/pub/html/ssm.aborreview202411~c45bf4bd33.lv.html"> <span class="ecb-full">Latviešu</span><span class="ecb-short">LV</span></a><a lang="nl" href="/ecb/pub/html/ssm.aborreview202411~c45bf4bd33.nl.html"> <span class="ecb-full">Nederlands</span><span class="ecb-short">NL</span></a><a lang="pt" href="/ecb/pub/html/ssm.aborreview202411~c45bf4bd33.pt.html"> <span class="ecb-full">Português</span><span class="ecb-short">PT</span></a><a lang="sk" href="/ecb/pub/html/ssm.aborreview202411~c45bf4bd33.sk.html"> <span class="ecb-full">Slovenčina</span><span class="ecb-short">SK</span></a><a lang="sl" href="/ecb/pub/html/ssm.aborreview202411~c45bf4bd33.sl.html"> <span class="ecb-full">Slovenščina</span><span class="ecb-short">SL</span></a><a lang="sv" href="/ecb/pub/html/ssm.aborreview202411~c45bf4bd33.sv.html"> <span class="ecb-full">Svenska</span><span class="ecb-short">SV</span></a></div></div></div><div class="ecb-langSelector"><span class="offeredLanguage"><a class='pdf' lang="en" href="/ecb/pub/pdf/ssm.aborreview202411~c45bf4bd33.en.pdf"> <span class="ecb-full">English</span></a></span></div></dd><dt isoDate="2024-11-13"><div class="date">13 November 2024</div></dt><dd><div class="category">OTHER PUBLICATION</div><div class="title"><a href="/ecb/pub/pdf/ssm.Sound_practices_for_managing_intraday_liquidity_risk_202411~aec6d34ffa.en.pdf?f8b9527f1d997274382db897ba0586b0" >Sound practices for managing intraday liquidity risk</a></div><div class="ecb-langSelector"><span class="offeredLanguage"><a class='pdf' lang="en" href="/ecb/pub/pdf/ssm.Sound_practices_for_managing_intraday_liquidity_risk_202411~aec6d34ffa.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="2024-11-13"><div class="date">13 November 2024</div></dt><dd><div class="category">NEWSLETTER</div><div class="title"><a href="/press/publications/newsletter/2024/html/ssm.nl241113_2.en.html" >Sound practices for intraday liquidity risk management</a></div><div class="ecb-langSelector"><span class="offeredLanguage"><a class='arrow' lang="en" href="/press/publications/newsletter/2024/html/ssm.nl241113_2.en.html"> <span class="ecb-full">English</span></a></span></div></dd></dl></div></div></div></dd><dt isoDate="2024-11-13"><div class="date">13 November 2024</div></dt><dd><div class="category">NEWSLETTER</div><div class="title"><a href="/press/publications/newsletter/2024/html/ssm.nl241113_4.en.html" >Evolving IT and cybersecurity risks </a></div><div class="ecb-langSelector"><span class="offeredLanguage"><a class='arrow' lang="en" href="/press/publications/newsletter/2024/html/ssm.nl241113_4.en.html"> <span class="ecb-full">English</span></a></span></div><div class='accordion'><div class="header"><div class="title">Annexes</div></div><div class="content-box"><div class="definition-list "><dl><dt isoDate="2024-11-13"><div class="date">13 November 2024</div></dt><dd><div class="category">ANNEX</div><div class="title"><a href="/ecb/pub/pdf/annex/ssm.nl241113_4_annex.en.pdf?b4fdd8926a87f9ac6d3b5708f46471dc" >IT and cybersecurity risks - key observations in 2024</a></div><div class="ecb-langSelector"><span class="offeredLanguage"><a class='pdf' lang="en" href="/ecb/pub/pdf/annex/ssm.nl241113_4_annex.en.pdf"> <span class="ecb-full">English</span></a></span></div></dd></dl></div></div></div></dd><dt isoDate="2024-11-13"><div class="date">13 November 2024</div></dt><dd><div class="category">NEWSLETTER</div><div class="title"><a href="/press/publications/newsletter/2024/html/ssm.nl241113_1.en.html" >Climate-related data for the real estate sector: challenges and solutions </a></div><div class="ecb-langSelector"><span class="offeredLanguage"><a class='arrow' lang="en" href="/press/publications/newsletter/2024/html/ssm.nl241113_1.en.html"> <span class="ecb-full">English</span></a></span></div></dd><dt isoDate="2024-11-13"><div class="date">13 November 2024</div></dt><dd><div class="category">NEWSLETTER</div><div class="title"><a href="/press/publications/newsletter/2024/html/ssm.nl241113_3.en.html" >Complex exposures to private equity and credit funds require sophisticated risk management</a></div><div class="ecb-langSelector"><span class="offeredLanguage"><a class='arrow' lang="en" href="/press/publications/newsletter/2024/html/ssm.nl241113_3.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" 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" data-image="../shared/img/coronavirus_2560x124.jpg"></div> <div class="wrapper"> <div class="call">Supervision Newsletter</div> <div class="action"> <div class="action-wrapper">  <div class="title">Subscribe</div> <div class="icon"></div> </div> </div> </div> </a> </div><section class="statistics-box-ssm ssm-homepage-charts"> <div class="container"> <div class="box"> <h2>Statistics on supervised banks</h2> <table class="stats-table"> <tr> <td class="stats-table-figure">Significant institutions (01/09/2024)</td> <td></td> <td class="stats-table-percentage">113</td> </tr> <tr> <td class="stats-table-figure">Total assets (€ bn)</td> <td class="stats-table-icon-rates"><span class="trend neutral down"></span></td> <td class="stats-table-percentage">26,607.55</td> </tr> <tr> <td class="stats-table-figure">Total equity (€ bn)</td> <td class="stats-table-icon-rates"><span class="trend neutral down"></span></td> <td class="stats-table-percentage">1,792.13</td> </tr> <tr> <td 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">10.11</td> </tr> </table> <span class="stats-table-footnote">Reference date: 2024-Q2</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;" data-chart-title='CET1 ratio' data-chart-xml="../shared/data/cet1_capital_ratio.xml?h=0475e3d66ff383e5485f514274d2d2e3"></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;" data-chart-title='Liquidity coverage ratio' data-chart-xml="../shared/data/liquidity_coverage_ratio.xml?h=adc4956a82bcc4d7f1c0ad01a33ba87c"></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;" data-chart-title='Non-performing loans ratio' data-chart-xml="../shared/data/npl_ratio.xml?h=8c384b729c4ea55eb130d055fa213c7f"></div> <span class="stats-table-footnote">Excluding cash balances at central banks and other demand deposits</span>  </div> </div> </section><div class="explainer-box" data-image-webp='../shared/img/eurotower_2560x750.webp' data-image='../shared/img/eurotower_2560x750.jpg'> <div class="wrapper"> <div class="bubble-box">NOT AN EXPERT? <strong>CHECK EXPLAINER</strong></div> <a href="/services/media/html/player.en.html?youtubeID=gW-5AtmyByc"> <div><span>LEARN MORE</span></div>Banking supervision explained! </a> </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 class="title">What made you unhappy?</div> <a class="button -inverted-color" id="feedback-broken">Page not working</a> <a class="button -inverted-color" id="feedback-content">Information not useful</a> <a class="button -inverted-color" id="feedback-design">Design not attractive</a> <a class="button -inverted-color" id="feedback-other">Something else</a> </div> <div class="final hidden"> <div class="title">Thank you for letting us know!</div> </div> </div> </div><a class="notification -yellow-black" href="/banking/breach/html/index.en.html"> <div class="content-box"> <span class="text">Whistleblowing</span> <span class="icon -attention"></span> </div> </a> <footer id="ecb-doc-footer"> <div class="ecb-footerTop"> <div class="sitemap"> <a href="/home/sitedir/html/index.en.html" title="Site Directory">Site directory</a> </div> <div class="socialLinks"> <a class="inline-link" href="/home/socialmedia/html/index.en.html" title="Official social media channels">FOLLOW US</a> <a href="http://twitter.com/ecb" class="twitter" title="X"></a> <a href="https://www.linkedin.com/company/european-central-bank" class="linkedin" title="LinkedIn"></a> <a href="https://www.instagram.com/europeancentralbank/" class="instagram" title="Instagram"></a> <a href="https://www.youtube.com/user/ecbeuro" class="youtube" title="YouTube"></a> <a href="https://www.flickr.com/photos/europeancentralbank/sets/" class="flickr" title="Flickr"></a> <a href="https://soundcloud.com/europeancentralbank" class="soundcloud" title="Soundcloud"></a> <a href="/rss" class="rss" title="RSS news feeds"></a> </div> </div><div class="ecb-footerBottom"> <p><span>Copyright 2024, </span>European Central Bank</p> <div class="ecb-serviceNavigation"> <div class="ecb-serviceNavigationBox"> <div class="ecb-serviceNavigationBoxTitle">Useful links</div> <div class="ecb-serviceNavigationBoxLinks"> <ul> <li><a href="/careers/vacancies/html/index.en.html">Work with us</a></li> <li><a href="/home/glossary/html/index.en.html">Glossary</a></li> <li><a href="/home/links/html/index.en.html">Other institutions</a></li> </ul> </div> </div> <div class="ecb-serviceNavigationBox"> <div class="ecb-serviceNavigationBoxTitle">Using our site</div> <div class="ecb-serviceNavigationBoxLinks"> <ul> <li><a href="/home/disclaimer/html/index.en.html">Disclaimer & Copyright</a></li> <li><a href="/home/data-protection/privacy-statements/website/html/index.en.html">Privacy statement</a></li> <li><a href="/home/languagepolicy/html/index.en.html">Language policy</a></li> </ul> </div> </div> <div class="ecb-serviceNavigationBox"> <div class="ecb-serviceNavigationBoxTitle">Corporate Policies</div> <div class="ecb-serviceNavigationBoxLinks"> <ul> <li><a href="/home/data-protection/html/index.en.html">Data Protection</a></li> <li><a href="/home/responsible-disclosure/html/index.en.html">Responsible disclosure</a></li> </ul> </div> </div> <div class="ecb-serviceNavigationBox"> <div class="ecb-serviceNavigationBoxTitle">Contact</div> <div class="ecb-serviceNavigationBoxLinks"> <ul> <li><a href="/home/contacts/html/index.en.html">Contacts</a></li> <li><a href="/home/contacts/address/html/index.en.html">Address</a></li> <li><a href="/home/contacts/working-hours/html/index.en.html">Working hours</a></li> </ul> </div> </div> </div> </div>  </footer> <style> [data-count]{ position: relative; } [data-count]::after{ position: absolute; right: -20px; bottom: 0px; display: block; content: attr(data-count); color: rgba(255, 255, 255, 0.8); text-shadow: 0 0 8px black; font-size: 11px; } body.hideCount [data-count]::after{ display: none; } </style> <script> (function(){ let addedCount = false; let addCount = function(){ let list = document.querySelectorAll("h2,h3,h4,p,a"); for(var i = 0; i < list.length; i++){ let item = list[i]; item.setAttribute("data-count",item.textContent.length); } } document.onkeypress = function(e){ if(e.ctrlKey && e.code == "KeyM"){ if(addedCount){ document.body.classList.add('hideCount'); addedCount = false; }else{ document.body.classList.remove('hideCount'); addCount(); addedCount = true; } } } })(); </script> <link rel="stylesheet" href="/shared/dist/css/print.min.css?2713523" media="print"> <div class="ecb-cookieConsent hidden" id="cookieConsent"> <div class="initial"> <h2>Our website uses cookies</h2> <p>We are always working to improve this website for our users. To do this, we use the anonymous data provided by cookies.<br> <a href="/home/data-protection/privacy-statements/website/html/index.en.html" class="arrow">Learn more about how we use cookies</a></p> <div class="consentButtons initial cf"> <a class="check linkButton linkButtonLarge floatLeft highlight-medium">I understand and I accept the use of cookies</a> <a class="cross linkButton linkButtonLarge floatRight highlight-extra-light">I do not accept the use of cookies</a> </div> </div> <div class="accepted hidden"> <div style="background-image:url(/shared/nav/svg/cookies_accepted.svg);width:100px;height:100px;margin:auto" class="img"></div> <h2>Thank you!</h2> </div> <div class="refused hidden"> <div style="background-image:url(/shared/nav/svg/cookies_refused.svg);width:100px;height:100px;margin:auto" class="img"></div> <h2>Thank you!</h2> </div> <div class="updated hidden"> <h2>We have updated our privacy policy</h2> <p>We are always working to improve this website for our users. To do this, we use the anonymous data provided by cookies.<br> <a href="/home/data-protection/privacy-statements/website/html/index.en.html" class="arrow">See what has changed in our privacy policy</a></p> <div class="consentButtons updated cf"> <a class="check linkButton linkButtonLarge floatLeft highlight-medium">I understand and I accept the use of cookies</a> <a class="cross linkButton linkButtonLarge floatRight highlight-extra-light">I do not accept the use of cookies</a> </div> </div> <div class="expired hidden"> <h2>Your cookie preference has expired</h2> <p>We are always working to improve this website for our users. To do this, we use the anonymous data provided by cookies.<br> <a href="/home/data-protection/privacy-statements/website/html/index.en.html" class="arrow">Learn more about how we use cookies</a></p> <div class="consentButtons expired cf"> <a class="check linkButton linkButtonLarge floatLeft highlight-medium">I understand and I accept the use of cookies</a> <a class="cross linkButton linkButtonLarge floatRight highlight-extra-light">I do not accept the use of cookies</a> </div> </div> </div> <div class="cookieBlockedMessage template hidden"> <div class="cookieBlockedContentHolder"> <div class="mainCookieBlockedMessage">This feature requires cookies.</div> <a href="/home/data-protection/privacy-statements/website/html/index.en.html" class="button">Privacy statement</a> </div> </div> <script src="/shared/js/analytics/pa_events.js?v=2605151" data-siteID="638442" data-collectDomain="https://qfknbhm.pa-cd.com"></script> <script> var ECB = ECB || {}; window.ECB.autoUpdate=true; ECB.homePageAutoUpdateElements = {"timestamp":1732725023,"hashes":{"box1":{"cssSelector":"#t1 + label + div.tab-content .boxes .box:first-child","fancyName":"first 'In Focus' box","hash":"dbc316e07baa1005964031286f944d29"},"box2":{"cssSelector":"#t1 + label + div.tab-content .boxes .box:nth-child(2)","fancyName":"second 'In Focus' box","hash":"bc56a376c1b13f070a2644b6d965c675"},"box3":{"cssSelector":"#t1 + label + div.tab-content .boxes .box:nth-child(3)","fancyName":"third box from the left","hash":"3c964946b4f05101e0a8a580b78b1b47"},"slider":{"cssSelector":".slider-large","fancyName":"slider","hash":"270c3886a31d44aa91726824b7b22521"},"press":{"cssSelector":"#t2 + label + div.tab-content > .definition-list > dl","fancyName":"press releases","hash":"03ca9164e4548fa2ccf078f7d188f935"},"speeches":{"cssSelector":"#t3 + label + div.tab-content > .definition-list > dl","fancyName":"speeches","hash":"03f743f67424035b185a34022e440626"},"interviews":{"cssSelector":"#t4 + label + div.tab-content > .definition-list > dl","fancyName":"interviews","hash":"1e2511fc14ef1552cc29c75446ab4f5b"},"blog":{"cssSelector":"#t5 + label + div.tab-content > .definition-list > dl","fancyName":"blog","hash":"ab2c2dc7ded751446c05552db3f74e00"},"publications":{"cssSelector":"#t6 + label + div.tab-content > .definition-list > dl","fancyName":"publications","hash":"c82ec69e35c4b12b30af57aa7c439f69"},"inflation":{"cssSelector":".statistics-box > .container > div:nth-child(2)","fancyName":"HICP inflation rates","hashFileName":["\/web\/ssm\/\/home\/shared\/data\/inflation_hash.xml"],"hash":"eae949b048b6a9beb202601b84200814"},"reference_rate":{"cssSelector":".statistics-box > .container > div:nth-child(3)","fancyName":"foreign exchange reference rates","hash":"d41d8cd98f00b204e9800998ecf8427e"},"market_operations":{"cssSelector":".statistics-box > .container > div:nth-child(4)","fancyName":"financial stability and Market operations links","hash":"d41d8cd98f00b204e9800998ecf8427e"}}}; </script> </body> </html>