Banking supervision

Banking Supervision

A well functioning economy requires a stable banking system. Banking supervision is therefore responsible for monitoring credit institutions’ business activity and maintaining investor confidence. In Germany, the task of banking supervision is shared by the Bundesbank and the Federal Financial Supervisory Authority (BaFin). In particular, the Bundesbank is in charge of monitoring the credit institutions.

Current aspects

SREP – BaFin and Bundesbank introduce new cycle

As part of the SREP, the national competent authorities assess the regulations, strategies and processes enacted by the institutions. They also evaluate the risks they are exposed to and their own funds and liquidity.

EBA exchange with industry representatives on regulatory sandboxes

Under its FinTech Roadmap, the EBA is inviting institutions active throughout the EU and non-supervised institutions to take part in an industry roundtable on regulatory sandboxes and innovation hubs.

Bundesbank symposium

A person holding a programme of the banking symposium

The Deutsche Bundesbank hosts the Bundesbank symposium "Banking supervision in dialogue" annually, with the aim of promoting the exchange of information on current topics relating to banking supervision within the banking industry.

Low interest rate environment continues to take toll on German banks’ profits

The protracted period of low interest rates continued to take its toll on German banks’ profits last year, as the Bundesbank’s latest Monthly Report reveals in an analysis of the annual financial statements of German banks. Driven by a considerable decline in net interest income, aggregate operating income for all German banks fell by 3.8% to €123.1 billion.

Low interest rate environment continues to take toll on German banks’ profits
New research programme published

The Bundesbank’s Research Centre has published a new research programme, offering a thematic overview of ongoing and planned research activities in the areas of monetary policy, financial stability and banking supervision.

New research programme published

Supervisory assessment of bank-internal capital adequacy concepts and their integration into firm-wide performance and risk management processes ("ICAAP") – realignment

Bundesbank and BaFin have jointly redrafted the 2011 ICAAP guideline and published it on 24.05.2018. The realignment of the paper was made necessary by developments at the global and European levels as well as ongoing changes in institutional and regulatory practices.

Speeches

Speaking at various occasions, members of the Bundesbank’s Executive Board regularly comment on issues relating to banking supervision.

Discussion papers

Click here for academically oriented studies prepared by the Research Centre, including work on financial stability, most of which is written in English.