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Cards Wire 21 segments
3:14
ECB European Central Bank Source document ↗
European Union European Central Bank Prudential & Capital ✓ 25 claims 02 Nov 2026

ECB's Vujčić says deeper single market is Europe's best defence against geopolitical shocks

ECB Vice-President Boris Vujčić told the Central Bank of Ireland's Financial System Conference that Europe should answer a more fragmented world by completing its single market rather than retreating from openness. The speech sets out why internal barriers weaken risk sharing and names the specific integration projects the ECB is backing, from banking union to the digital euro.

  • Vujčić said the EU imports 57% of its energy and almost all of its oil and gas, and that Russia's 2022 invasion caused the EU's largest energy shock since the 1970s.
  • ECB estimates put intra-EU frictions at the equivalent of a tariff of around 67% for goods and 95% for services, with services the upper bound of estimates.
  • ECB research finds around 70% of US state-level output shocks are absorbed through markets and fiscal transfers, against around 30% in the euro area, where capital markets absorb only 5 to 10%.
  • Vujčić called for completing the missing pillar of banking union, a European deposit insurance scheme, alongside harmonised creditor hierarchies and insolvency rules.
  • He pointed to the September launch of Pontes and the digital euro as elements of a resilient, European payments infrastructure.
Source document
3:20
BUND Deutsche Bundesbank Source document ↗
Germany Deutsche Bundesbank Prudential & Capital ✓ 21 claims 02 Nov 2026

Bundesbank study finds nonbank lenders amplify, not dampen, long-rate shocks

A Bundesbank discussion paper challenges the assumption that nonbank lenders always offset bank credit contraction after rate surprises. Using supervisory credit register data, the authors show the effect depends on which part of the yield curve moves and on which type of nonbank institution is involved, with implications for how monetary policy transmission is monitored.

  • The study covers approximately 15.7 million lender-firm-quarter observations from the Bundesbank's supervisory credit register between 2019 and 2023.
  • A one-standard-deviation short-end rate surprise raises nonbank lending by 0.32% relative to banks, while medium- and long-end surprises reduce it by 0.36% and 0.34% respectively.
  • Financial service institutions obtain about 85% of their funding from banks, making their lending capacity sensitive to a bank-capital reallocation channel after short-end surprises.
  • Life insurers expand lending more strongly than non-life insurers after medium- and long-end surprises, consistent with a duration-driven solvency channel.
  • Back-of-the-envelope estimates put total credit effects at approximately €10.7 billion more after a short-end surprise, and €18.0 billion and €15.9 billion less after medium- and long-end surprises respectively.
Source document
0:15
SSM ECB Banking Supervision Source document ↗
European Union ECB Banking Supervision Prudential & Capital ✓ 20 claims 30 Oct 2026

ECB flags insurance counterparty risk in synthetic securitisation revival

The ECB's Pedro Machado sets out supervisory concerns as Brussels moves to revive European securitisation. He backs significant risk transfer in principle but warns on unfunded insurance protection, risk weight floors below 7%, and growing bank-insurer interlinkages in synthetic risk transfer. The interview also covers AI adoption, data centre lending, deposit volatility and the case for an integrated banking market.

  • Machado objects to the EU deal's treatment of unfunded insurance protection in STS synthetic securitisations, which deviates from the ECB's recommendation.
  • The ECB prefers absolute risk weight floors and would not lower floors on senior tranches below 7%, the Basel II level.
  • Between 2022 and end-2025 synthetic securitisation transaction activity almost doubled and underlying exposures more than doubled.
  • Around 85% of banks already use generative AI, across fraud detection, KYC, transaction monitoring and credit scoring.
  • Roughly 230 billion euro of high-quality liquid assets are trapped at subsidiary level in the banking union.
Source document
0:15
SRB Single Resolution Board Source document ↗
European Union Single Resolution Board Prudential & Capital ✓ 26 claims 29 Oct 2026

SRB chair urges resolution authorities to widen their perimeter beyond banks

SRB Chair Dominique Laboureix used his closing remarks at the IADI conference in Berlin to set out where the resolution and deposit-insurance agenda needs to move. He frames the task around three questions: whether the regulatory perimeter still captures the right firms, whether authorities focus on the right risks, and whether existing tools are fit for a more interconnected system. It signals the direction of SRB and FSB work rather than any new rule.

  • Laboureix set out three test questions for the financial safety net: whether authorities are looking at the right perimeter, focusing on the right risks, and holding tools fit for a new environment.
  • He cited the FSB thematic review finding only four of 19 jurisdictions assessed fully compliant with Key Attribute 6 on funding in resolution, with the EU Banking Union not among them.
  • He argued operational incidents such as cyberattacks and third-party outages must become part of the crisis-preparedness agenda, citing the July 2024 CrowdStrike outage and the 20 October Revolut disruption linked to a Google Cloud failure in London.
  • He noted the European Commission's work on banking-sector competitiveness hints the Single Resolution Fund could take on a deposit insurance role for the largest banks and provide liquidity support to national deposit guarantee schemes.
  • He pointed to the revised IADI Core Principles 17 and 18 and the FSB Crisis Preparedness Strategic Review as the framework for closer cross-border and cross-sector cooperation.
Source document
0:15
ECB European Central Bank Source document ↗
European Union European Central Bank Prudential & Capital ✓ 18 claims 27 Oct 2026

ECB survey: euro area banks tighten credit standards further, loan demand falls

The ECB's October 2026 bank lending survey covers 159 euro area banks on credit standards, loan demand and funding conditions in Q3 2026, with expectations for Q4. It includes new questions on AI-related lending and digital assets, both areas compliance and risk teams will want to track as banks formalise assessment criteria.

  • Credit standards for loans to firms tightened by a net 9% of banks in Q3 2026, exceeding the 5% tightening banks had previously expected.
  • Consumer credit standards tightened by a net 14%, while housing loan standards were unchanged at a net 0%.
  • Loan demand from firms fell by a net 6%, housing loan demand fell by a net 27%, and consumer credit demand fell by a net 2%.
  • Most banks said they have not yet introduced specific quantitative criteria for assessing AI-related lending within their credit standards.
  • The deterioration in banks' access to retail funding was the largest since the BLS series began in 2011.
Source document
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DBS Deutsche Bundesbank — speeches Source document ↗
Germany Deutsche Bundesbank — speeches Prudential & Capital ✓ 19 claims 27 Oct 2026

German banks tighten credit standards for corporate loans again in Q3

Germany's central bank publishes quarterly survey results from 33 domestic banks on lending conditions. This round covers the third quarter of 2026 and banks' plans for the fourth, plus ad hoc questions on funding conditions, non-performing loans and digital assets.

  • The net share of banks tightening standards for loans to enterprises stood at +6%, down from +10% in the previous quarter.
  • Standards for loans to households for house purchase eased, with a net share of -4%, compared with +7% in the prior quarter.
  • Demand for enterprise loans fell for the first time in more than two years, driven mainly by small and medium-sized enterprises and long-term loans.
  • The loan rejection rate continued to rise across all three loan categories surveyed.
  • Banks reported no impact from digital assets on their financial situation, business strategy or credit standards over the past 12 months.
Source document
0:15
SSM ECB Banking Supervision Source document ↗
European Union ECB Banking Supervision Prudential & Capital ✓ 21 claims 27 Oct 2026

ECB supervisor warns banks against complacency despite strong capital ratios

A keynote from the ECB's Supervisory Board flags where risk is building even as reported bank metrics look strong. It covers credit underwriting, capital planning, geopolitical stress testing, climate exposure, AI-driven cyber threats and data quality, and argues against unwinding post-crisis regulation. Relevant for prudential and risk teams tracking supervisory priorities into next year.

  • Montagner said a recent ECB reverse stress test on geopolitical risk showed effective preparation cannot rely on a single scenario.
  • The ECB will continue horizontal analyses, targeted reviews and on-site inspections of bank loan-granting practices.
  • Some banks show shortcomings in risk data aggregation and reporting, which can limit crisis response even when aggregate ratios look robust.
  • The speech cited extreme 2026 summer heat and exceptionally low water levels on the Rhine and Danube as evidence climate risks are already materialising.
  • Montagner said the ECB supports removing regulatory redundancies and inconsistencies but opposes dismantling core post-crisis reforms.
Source document
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ECB European Central Bank Source document ↗
European Union European Central Bank Prudential & Capital ✓ 17 claims 27 Oct 2026

ECB vice-president says cutting bank capital rules won't boost lending

A speech by ECB vice-president Boris Vujčić to the ESRB's tenth annual conference sets out the ECB's position in the ongoing EU debate over bank capital requirements and competitiveness. It matters to compliance and prudential teams because it signals how the ECB will respond to industry and political pressure to loosen capital rules, and details specific simplification proposals already on the table.

  • The median Tier 1 capital ratio for euro area banks has more than doubled, from around 8% in 2009 to more than 16% today.
  • The ECB's supervisory arm is discontinuing around 40 guidance documents out of more than 100 as part of simplification measures.
  • Cross-border bank lending to non-financial firms within the euro area accounts for only around 16% of total corporate lending, versus about 20% for lending to borrowers outside the euro area.
  • The Governing Council's end-2025 recommendations propose merging existing capital buffers into a non-releasable buffer and a releasable buffer, and reducing the leverage ratio framework from four elements to two.
  • The average price-to-book ratio for euro area banks is now around 1.5, up from levels below 1 in the earlier low-profitability period.
Source document
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ECB European Central Bank Source document ↗
European Union European Central Bank Prudential & Capital ✓ 21 claims 27 Oct 2026

ECB's Lane flags second energy shock wave, holds to data-dependent rate path

Executive Board member Philip Lane sets out how the ECB is diagnosing inflation amid overlapping shocks: a second wave of energy price rises, fiscal tightening ahead, an AI investment boom, and rising long-term yields. The speech matters for anyone tracking the rate path, since Lane frames policy as resting on meeting-by-meeting assessment rather than a pre-set trajectory.

  • September headline inflation reached 3.8%, comprising 18.8% energy inflation and 2.3% non-energy inflation, against a Q4 2025 pre-shock benchmark of 2.1% headline inflation.
  • September projections anticipate non-energy inflation rising from 2.3% in 2026 to an average of 2.6% in 2027 before falling back to 2.3% in 2028.
  • The euro area fiscal stance moved from neutral in 2025 to a 0.5 percentage point loosening in 2026, with tightening of 0.4 and 0.2 percentage points projected for 2027 and 2028.
  • The ECB raised its policy rate from 2.00% to 2.50% over the June and September projection rounds but says it is not on a pre-committed rate path.
  • Corporate debt-to-GDP has stabilised at around 66%, with internal ECB estimates suggesting the AI boom accounts for just under one percentage point of aggregate annual credit growth.
Source document
0:15
SSM ECB Banking Supervision Source document ↗
European Union ECB Banking Supervision Prudential & Capital ✓ 20 claims 26 Oct 2026

ECB to review 12,000-strong stock of supervisory measures in October refocus

In a Vienna panel contribution, ECB Vice-Chair of the Supervisory Board Frank Elderson sets out how banking supervision is recalibrating its follow-up on findings and measures. The piece explains the tiered approach introduced in 2025, a refocusing exercise starting mid-October, and what changes for banks carrying low-severity findings. It matters because it signals where supervisory pressure will concentrate and where it will ease.

  • The stock of outstanding supervisory measures across significant banks rose to around 12,000 by the end of 2025, roughly 100 per bank on average.
  • In 2025 the ECB closed 1,200 more measures than it created, and the stock fell by a further 600 in 2026.
  • From mid-October a refocusing exercise will review the accumulated stock against each weakness's risk profile, severity, prudential relevance and remediation status.
  • The least severe F1 findings will in future be communicated as supervisory observations rather than generating measures, and low-severity F2 findings may be closed where further assessment is not warranted.
  • Mandatory verification of remediation by internal audit or internal validation will be removed for low-severity F1 or F2 findings related to internal models.
Source document
0:15
SSM ECB Banking Supervision Source document ↗
European Union ECB Banking Supervision Prudential & Capital ✓ 28 claims 23 Oct 2026

ECB supervisor says output floor and Single Rulebook must survive simplification push

An ECB Supervisory Board member discusses rising global interest rates, sovereign bond exposure and the EU's bank competitiveness debate. Relevant for compliance and government affairs teams tracking how the ECB will position itself on Basel output floor calibration and any move to tailor capital rules by bank size.

  • Montagner says sovereign bonds account for around 9% of euro area banks' total assets.
  • He states banks are under no obligation to sell sovereign bond holdings even as values fall.
  • He says current bank capital is mainly Common Equity Tier 1, unlike 2008 when it was largely subordinated debt.
  • He supports preserving the Basel output floor's role even if its calibration is reassessed, as proposed by the European Commission.
  • He says the ECB will always favour retaining a Single Rulebook rather than tailoring capital rules by bank size.
Source document
0:15
SSM ECB Banking Supervision Source document ↗
European Union ECB Banking Supervision Prudential & Capital ✓ 19 claims 23 Oct 2026

ECB supervisor urges system-wide stress tests to catch AI financing risks

A keynote from the ECB Supervisory Board member responsible for stress testing sets out how the framework is evolving beyond bank-only, scenario-based exercises toward system-wide and exploratory tools. It matters because it signals where ECB and ESRB stress-testing priorities, and future data requests to banks, are heading over the next two years.

  • The ESRB has launched a project to develop a desktop-based system-wide stress test by 2028, building on recommendations of its High-Level Group.
  • The 2026 reverse stress test on geopolitical risk asked banks to design scenarios depleting at least 300 basis points of their CET1 ratios.
  • The exercise found some banks' risk assessments lacked granularity and that certain mitigating management actions were not credible once replicated across institutions.
  • The ECB's 2025 macroprudential stress test extension used a top-down system-wide model to examine contagion between banks, investment funds and insurance corporations.
  • The speech cites the Bank of England's system-wide exploratory scenarios and the first French system-wide stress test, run jointly by the Banque de France, ACPR and AMF, as comparable precedents.
Source document
0:15
BANK Bank of Russia Source document ↗
Bank of Russia Prudential & Capital ✓ 14 claims 22 Oct 2026

Bank of Russia revokes licence of NCO Taidon over missed mandatory payments

The Bank of Russia has withdrawn the banking licence of NCO Taidon LLC, a small non-bank credit organisation in Kemerovo, citing poor asset quality and insolvency. The regulator installed a provisional administrator the same day. This item sets out the stated grounds, the statutory basis and the immediate consequences for a reader tracking Russian prudential actions.

  • The Bank of Russia revoked NCO Taidon LLC's licence by Order No. OD-1864 dated 22 October 2026 under Clause 4 of Part 2 of Article 20 of the Federal Law 'On Banks and Banking Activities'.
  • The regulator acted on the basis that the institution failed to make mandatory payments for longer than 14 days and had become insolvent.
  • NCO Taidon LLC ranked 355th by assets in the Russian banking system according to financial statements as of 1 October 2026.
  • By Order No. OD-1865 the Bank of Russia appointed a provisional administrator until a receiver or liquidator is appointed, and under federal laws the powers of the executive bodies were suspended.
Source document
0:15
ECB European Central Bank Source document ↗
Global European Central Bank Prudential & Capital ✓ 20 claims 21 Oct 2026

ECB's Lane sets out widened EUREP repo facility ahead of Q4 2026 go-live

Executive Board member Philip Lane used a Shanghai speech to lay out how the ECB's enhanced Eurosystem repo facility for central banks, EUREP, and its swap lines fit together as tools for managing euro liquidity abroad. The speech matters for anyone tracking how central banks outside the euro area can access euro funding and what that means for sovereign and supranational bond markets.

  • The maximum EUREP line size per individual central bank is €50 billion, with transaction maturities ranging from one day to one week and extendable.
  • Loans under EUREP are priced at the main refinancing operations rate plus a spread set by the Governing Council to preserve the facility's backstop character.
  • More than thirty central banks have expressed interest in EUREP in the past six months, and onboarding of the first foreign central banks was completed at the beginning of October.
  • Onboarded central banks will be able to draw from the facility as of the fourth quarter of 2026.
  • Standing access applies in principle to all central banks unless excluded on grounds including money laundering, terrorist financing or international sanctions.
Source document
0:15
DBS Deutsche Bundesbank — speeches Source document ↗
European Union Deutsche Bundesbank — speeches Prudential & Capital ✓ 21 claims 20 Oct 2026

Bundesbank's Theurer calls on EU to stop capital counting toward buffers and MREL at once

Michael Theurer, writing for the Deutsche Bundesbank in a guest contribution to The Banker, argues that EU bank capital rules let the same capital count twice, toward macroprudential buffers and toward MREL, so releasing a buffer in a crisis frees little real headroom. The piece calls for legislative change to separate the two functions and backs implementing the Basel output floor as planned. Worth your time if you track capital stack design or resolution planning.

  • Theurer argues capital held for macroprudential buffers should not also count toward MREL, so that releasing a buffer creates genuine usable headroom in a crisis.
  • He acknowledges removing this double-counting would require changes to EU legislation and could affect banks' capital needs, possibly requiring a recalibration of the broader set of requirements.
  • He states the reform's objective is not to increase overall capital requirements but to organise the framework more coherently so buffers are usable when needed.
  • He calls on the EU to implement the Basel output floor as planned, saying it reduces the extent to which parallel unweighted requirements become binding when buffers are released.
  • The contribution says the limited usability of buffers is material for European banks, citing reports by the ECB and the European Systemic Risk Board.
Source document
0:15
ECB European Central Bank Source document ↗
European Union European Central Bank Prudential & Capital ✓ 24 claims 20 Oct 2026

ECB's Elderson backs higher proportionality threshold to lighten supervision for 150 banks

In an interview with Die Presse, ECB Executive Board member and Supervisory Board Vice-Chair Frank Elderson sets out where supervision can be simplified and where it cannot. He names fragmentation, not regulation, as Europe's main competitiveness problem, defends the Basel framework, and flags fresh scrutiny of AI-driven cyber risk and bank links to private credit.

  • Elderson supports raising the small and non-complex bank threshold from €5 billion to €10 billion in total assets, bringing roughly 150 more banks into the simplified regime.
  • Small and non-complex banks currently report up to 30% of the data large banks must submit, and Elderson says core prudential standards should not change.
  • Banks were asked in July to reassess cybersecurity and review IT budgets and staffing, and must submit action plans on AI-related cyber risks by the end of October.
  • Elderson names fragmentation, not regulation, as the biggest obstacle to European competitiveness and calls for completing the banking union, including a European deposit insurance scheme.
  • He warns that loosening Pillar 1 requirements could simply shift the burden from regulation to supervision rather than removing risk.
Source document
0:15
ECB European Central Bank Source document ↗
European Union European Central Bank Prudential & Capital ✓ 15 claims 17 Oct 2026

Lagarde tells IMF rate hikes of 25bp in June and September were measured, not looking through shock

Christine Lagarde's statement to the IMF's steering committee lays out the ECB's view of growth, inflation and financial stability risks, alongside concrete updates on monetary policy, the EUREP repo facility, and digital euro/tokenisation projects. Useful for compliance and treasury teams tracking policy direction and infrastructure timelines.

  • The Governing Council raised key ECB interest rates by 25 basis points in September, following an identical increase in June.
  • September headline inflation rose to 3.8% and core inflation to 2.5%, with headline inflation expected to return to around target towards the end of 2027.
  • September ECB staff projections foresee euro area growth of 0.9% in 2026, 1.4% in 2027 and 1.5% in 2028.
  • A 12-month internal digital euro pilot is planned for the second half of 2027, contingent on the EU adopting the digital euro Regulation by end-2026.
  • The Eurosystem's Pontes DLT platform went live on 21 September as the first step toward a tokenised asset ecosystem under the Appia initiative.
Source document
0:15
SRB Single Resolution Board Source document ↗
European Union Single Resolution Board Prudential & Capital ✓ 13 claims 16 Oct 2026

SRB moves bank-specific resolvability reporting to a three-year cycle from 2027

The SRB has published its annual list of consultations, data requests and deliverables for the coming year, alongside a structural change to how often banks must submit certain resolvability materials. This affects EU banks under SRB remit tracking compliance workload and reporting calendars for 2027 and beyond.

  • The SRB published its list of consultations, data requests and deliverables for 2027 on 7 October 2026.
  • From 2027, a broad set of bank-specific deliverables detailed in Table 2.2 move from annual to a three-year submission cycle where no material resolvability concerns exist.
  • The SRB has discontinued, with immediate effect, the quarterly Sign-off form on MREL eligibility of reported liabilities.
  • The SRB states that banks with consistently satisfactory resolvability performance can expect bank-specific deliverable requests to fall by up to one-third over the medium term, assuming legal stability.
  • Each bank has already received a priority letter setting out which 2027 requirements apply to its individual situation.
Source document
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SSM ECB Banking Supervision Source document ↗
European Union ECB Banking Supervision Prudential & Capital ✓ 15 claims 15 Oct 2026

ECB lets banks report P&L under IAS 1 or IFRS 18 during transition to new standard

The ECB has set out how euro area banks should handle supervisory profit-and-loss reporting when IFRS 18 takes effect while the EBA's implementing standards lag behind. For the window between the two dates, institutions get a choice of accounting format. This segment covers who the option binds, the dates that drive it, and the FINREP templates affected.

  • IFRS 18 takes effect on 1 January 2027, while the amended EBA ITS incorporating it are expected to apply from the September 2027 reference period.
  • Institutions may report regulatory templates under either IAS 1 or IFRS 18 during the transition, in line with the EBA Opinion published on 8 July 2026.
  • Significant institutions may voluntarily use IFRS 18-aligned FINREP templates from the EBA technical package version 4.4 (Phase 1).
  • Less significant institutions can use the option only where their national competent authority permits it, and NCAs will collect the chosen option.
  • Annex A lists the affected ECB FINREP templates F02, F16.01, F16.03 and F16.04 and their interim equivalents.
Source document
0:15
SRB Single Resolution Board Source document ↗
European Union Single Resolution Board Prudential & Capital ✓ 15 claims 15 Oct 2026

SRB sets April 2028 deadline for banks to fold communication guidance into resolution plans

The Single Resolution Board has finalised operational guidance on how banks communicate when they are failing, plus a supplement on testing those capabilities. It sets no new rules but clarifies existing resolvability expectations and gives banks a date by which to reflect them in their communication plans. Useful for anyone managing Banking Union resolution readiness and tracking the SRM Vision 2028 shift toward operational testing.

  • SRB published final communication guidance plus a testing supplement; neither sets new requirements but clarifies the Expectations for Banks Communication dimension.
  • Banks have until April 2028 to reflect the operational considerations in their communication plans where needed.
  • Both documents follow a public consultation held between 17 October and 12 December 2025 and are aligned with the EBA resolvability framework.
Source document
0:15
ECB European Central Bank Source document ↗
European Union European Central Bank Prudential & Capital ✓ 13 claims 12 Oct 2026

ECB tightens collateral rules, moving to second-best ratings for private assets from November

The ECB has published amendments to its monetary policy implementation and haircut guidelines, consolidating four separately announced decisions into binding form effective 30 November 2026. The changes touch how private sector collateral is rated, how haircuts are calibrated, and which COVID-era instruments remain eligible. Treasury and collateral teams at euro area banks need to know what posts, at what haircut, from when.

  • Second-best external rating replaces first-best for private sector collateral from 30 November 2026; euro area public sector assets retain the first-best rule.
  • Haircut schedule updated, refining own-used or retained assets and adding granularity to individual credit claims by amortisation type.
  • COVID-19 guaranteed credit claims eligible only until end-2026; NFC financial subsidiaries reassigned to haircut category III.
Source document