ECB SREP review findings and supervisory priorities for 2026–2028

The European Central Bank (ECB) has published the results of its 2025 supervisory review and evaluation process (SREP) and supervisory priorities for 2026–2028. The review covers 105 banks under ECB supervision and looks at their capital, liquidity, profitability, governance and risk management. Overall, banks maintained robust capital and liquidity positions and strong profitability in the second quarter of 2025.

Looking ahead, the ECB's supervisory priorities for 2026–2028 reflect a comprehensive assessment of emerging risks and vulnerabilities for supervised entities. Each supervisory priority targets a specific set of vulnerabilities in the banking sector for which dedicated strategic objectives have been set and tailored work programmes developed.

The two key priorities for the ECB are:

• Strengthening resilience to geopolitical and macro-financial risks, including consistent implementation of the revised Capital Requirements Regulation (CRR3), prudent management of risk-tasking and sound credit standards, as well as climate and nature-related risks.
• Strengthening banks' operational resilience and fostering robust ICT capabilities, in line with the requirements under the Digital Operational Resilience Act (DORA), particularly those for ICT third-party risk and incident response management.

As part of its medium-to-longer term strategy, the ECB will focus on banks' digital and, in particular, AI-related strategies, governance and risk management. The ECB also published a speech given by the Chair of the ECB's supervisory board, regarding the 2025 SREP results and the supervisory priorities.

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