European Banking Federation
The European Banking Federation (EBF) is the umbrella association of the national banking associations in Europe and speaks for the banking sector toward the European Union. Its members are banking associations from 43 countries, which together represent around 3,500 banks. The EBF was established in 1960 and has its headquarters in Brussels and a second office in Frankfurt am Main.
The EBF works with policymakers and supervisors on prudential rules, capital markets, payments, sustainable finance and the fight against financial crime. Its experts write position papers and answers to public consultations, and its yearly Facts & Figures report describes the banks of Europe. The federation also teaches citizens about financial health, from long-term investing to protection against online fraud.
Members and national banking associations
The members of the EBF are national banking associations, not individual banks, and the federation lists them as full members or associate members by country. Each member association sends a leading representative to the Board of Directors, mostly its president or chair, while its chief executive sits on the Executive Committee. Germany is represented by the Association of German Banks, whose president Christian Sewing is a member of the board.
The Austrian Bankers Association sends its president Enver Siručić to the board of the EBF. The Swiss Bankers Association is represented by its chairman Giorgio Pradelli, and the Liechtenstein Bankers Association by its chairman Ivo Klein. Luxembourg sends Yves Stein, chairman of the ABBL, and the United Kingdom sends Bob Wigley, chairman of UK Finance.
President, CEO and board
Slawomir Krupa, chief executive officer of Société Générale, has been president of the EBF Board of Directors since 1 March 2025. The work of the federation in Brussels is led by CEO Wim Mijs and Deputy CEO Sébastien de Brouwer, together with policy teams for each priority area. Maria Abascal, director general of the Spanish Banking Association, chairs the Executive Committee of the EBF.
Jean-Laurent Bonnafé, chief executive officer of BNP Paribas and president of the French banking association, is one of the national members of the board. At the federation itself, Alexandra Maniati heads innovation and cybersecurity, and Christophe Bonte is head of payments.
Address: Brussels and Frankfurt
The headquarters of the EBF is at 56 Avenue des Arts in 1000 Brussels, the address that the European Money Markets Institute also gave in 2014. The second office of the federation is at Weissfrauenstrasse 12-16 in 60311 Frankfurt am Main, the city where ECB Banking Supervision oversees the largest banks of the euro area.
Upcoming fintech and finance events in Belgium
Banking in Europe: Facts & Figures
Facts & Figures is the yearly statistical report of the EBF on the banking sector in Europe, with an overview for each country. The 2025 edition builds on data of the European Central Bank for 2024. It counts 4,834 credit institutions in the EU, 1.9 percent fewer than a year earlier, which continues a decline that has lasted 16 years.
Loans outstanding from EU credit institutions rose by 0.12 percent in 2024 to about 26.84 trillion euros. Deposits of businesses and households in the EU27 grew by around 4.55 percent to 17.05 trillion euros. Household deposits rose by 3.90 percent, and deposits of businesses rose by 3.28 percent.
European Banking Summit and other events
The EBF organizes the European Banking Summit in Brussels, where bank leaders, policymakers and supervisors discuss the rules for banks in Europe. Valdis Dombrovskis and Nadia Calviño were among the speakers at the summit in January 2026. In June 2026 the EBF presented a study by Oliver Wyman on the competitiveness of European banks, which it had commissioned with its members, together with Enrico Letta.
In its response to the bank competitiveness report of the European Commission, the EBF put the investment gap of Europe at around 1.4 trillion euros a year. The federation asks for simpler regulatory and prudential rules so that banks can lend more to companies and households. The EBF also runs the European Money Quiz, a financial literacy competition with its final in Brussels.
Digital finance, cyber security and fraud
In its digital and cyber work, the EBF asks for a technology-neutral EU framework and a payments market in which all forms of digital assets can coexist. The federation has published positions on the digital euro and on the Instant Payments Regulation. In 2026 the EBF answered the consultation of the European Commission on the review of MiCA.
The EBF represents the EU in the industry group of the G7 Cyber Expert Group, next to Canada, France, Germany, Italy, Japan, the United Kingdom and the United States. Against fraud, it works with Europol and its European Cybercrime Centre (EC3) on awareness campaigns about online scams. One of these campaigns is Don't be a mule, which warns people against moving criminal money through their accounts as money mules.
Euribor and the EMMI
Euribor, the benchmark interest rate of the euro money market, was first published on 30 December 1998, a few days before the euro was introduced. The body that administers it carried the name Euribor-EBF until 20 June 2014 and has since been called the European Money Markets Institute (EMMI). EMMI was founded in 1999 by the national banking associations of the EU member states, and its announcement of the new name gave 56 Avenue des Arts in Brussels as its address.
European Banking Federation and Finance Loop
Finance Loop members follow many of the files that the EBF negotiates in Brussels, from the digital euro and instant payments to MiCA, DORA and the Basel III capital rules. Bank employees, supervisors and fintech founders discuss these rules at Finance Loop events in Frankfurt, the city of the second EBF office.
Finance Loop is a professional network and has the goal of driving the institutional use of emerging technologies in finance, such as AI, tokenization, stablecoins, and DeFi. Finance Loop helps its members build skills and personal networks in these fields: Investment & Digital Assets, Payments & Digital Money, Digital Infrastructure & Sovereignty, and Risk & Compliance.