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ECB reports in its SSM Annual Report 2025 that EU banks remain resilient but face growing risks from geopolitics, digital transformation and operational vulnerabilities

by AdrianaAMLP | Mar 18, 2026

The report reviews supervisory activity across the Banking Union, noting strong profitability and broadly stable asset quality, while identifying emerging risks in areas such as commercial real estate, cyber resilience and reliance on complex IT systems. It also sets...

ECB sanctions J.P. Morgan with €12.18M in administrative penalties for serious compliance breaches of EU banking reporting rules, including for misreporting capital requirements

by Jyotsna Bucktowar | Feb 19, 2026

These errors understated risk-weighted assets and overstated capital ratios, compromising supervisory oversight and the integrity of regulatory reporting, which is critical to preventing systemic risk and ensuring transparency in the banking sector. The case...

EBA, ECB and national supervisors sign an MoU to strengthen cooperation and information sharing in support of non-bank payment service providers’ access to central bank payment systems 

by Jyotsna Bucktowar | Dec 18, 2025

The new MoU establishes the EU’s first unified framework for real-time information sharing on non-bank PSPs, allowing supervisors and central banks to jointly monitor safeguarding breaches, governance issues and operational disruptions – the agreement aims to...

AMLA and ECB join forces to boost AML/CFT efforts and empower AMLA direct oversight of ‘selected-obliged entities’ including crypto firms, payment providers, and certain ECB-supervised banks

by Jyotsna Bucktowar | Jul 7, 2025

The agreement aims to enhance supervisory effectiveness, boost resource efficiency, and prevent duplication of oversight efforts. Bruna Szego, Chair of AMLA, noted that such alignment is vital to building a robust and consistent AML framework across Europe. Claudia...

EBA and ECB release a joint report on payment fraud and the role of strong customer authentication

by AdrianaAMLP | Aug 28, 2024

The report assesses payment fraud reported by the industry across the European Economic Areas (EEA), which amounted to €4.3bn in 2022 and €2.0bn in the first half of 2023. Also confirms the beneficial impact of strong customer authentication (SCA) on fraud...
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