Supervision benchmarks – the latest data and analysis
Supervision Benchmarks 2025 report – digital oversight
Benchmarking data reveals supervisory structures, top strategic priorities and technology
Following a series of bank runs and market turmoil since the Covid-19 pandemic, supervision has returned to the spotlight. Central Banking’s first supervision benchmark highlights how powers and supervisory approaches are still under development. Most jurisdictions have adopted Basel III but fewer have implemented the updated version issued in 2017. More than half of respondents with resolution powers are planning to upgrade their frameworks in the next year. Many more are in the process of adopting supervisory technology.
Charts
Rise of AI in supervision
Use of artificial intelligence in supervision has surged from around a quarter of institutions in the 2025 benchmark to three-quarters in 2026. The foremost area of AI application among supervisors is summarisation (62.9%). Over half of respondents also indicated use of the technology for document preparation (57.1%). Larger supervisory teams are more likely to deploy AI tools.
Supervision Benchmarks 2025 – model banks analysis
Data breakdowns reveal patterns in staffing, supervisory strategy and inspections
Supervision data
View the full breakdown of the Supervision Benchmarks.
Data quality is main focus for improved supervisory reporting
Supervisors with high level of automation rate submissions more highly, but quality still an issue
Data lakes and cloud are top tools for supervisory automation
Around half of authorities report extensive or full automation of supervisory data collection
Size and business model are key elements of risk profile
Supervisors tend to inspect systemic banks once a year
Supervisors report sharp increase in AI adoption
Summarisation ranks as topmost area of application, with biggest use in larger teams
Less than third of supervisors ran resolution exercise in past year
But most in Europe and Americas have dedicated resolution team
Half of jurisdictions practise collateral pre-positioning
Most believe banks in their jurisdictions are ready to access emergency central bank liquidity
Credit risk is supervisors’ top priority
Climate and AI risks rank lowest across respondents
Resolution framework fully enacted for 66% of supervisors
Bridge bank and bad bank are most widely available tools followed by statutory and contractual bail-ins
Europe leads in funds for deposit insurance and resolution
Supervisors from high income jurisdictions more likely to operate deposit insurance and resolution funds
African supervisory authorities tend to lack sufficient staff
Most respondents combine banking supervision in one unit
Non-central bank authorities tend to supervise non-banks
Non-banks offering credit-like products unregulated in tenth of jurisdictions
Working group minutes: strengthening crisis management
Maintaining a strong team of resolution experts can be difficult for smaller central banks