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Monthly vignette is valid from the date of purchase until the end of the day with the same number one month after purchase, or, if there is no such day in the following month, until the end of the last day of the month.

What are your views on the functioning of the Single Supervisory Mechanism (SSM) two years into your term. How is the coordination with national supervisors within the Joint Supervisory Teams (JST) functioning? First, we built up the SSM’s capacity, we recruited almost 1,000 people, comprising 800 supervisors and 200 support staff.

Then we performed the gargantuan task of carrying out a comprehensive assessment of banks, made up of an asset quality review and stress test. The priorities then shifted to building up the capacities of the JSTs, which carry out the day-to-day banking supervision of the euro area’s 129 largest banks.

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In the JSTs, we have a few people in Frankfurt working on a bank, up to nine for the biggest banks, while the rest of the supervisors come from the national authorities.

This means that the head of the JST has to be an excellent manager, coordinating teams whose members come from different countries and cultures.

Another priority was to have policy notes for the different supervisory tasks based on the best supervisory practices across the member countries, all with the goal of having a specific SSM approach.

Last year everything was new, so we needed policy notes.

Otherwise we might have been taking decisions that could have led to setting unintended precedents.

Very high on the agenda was setting up common procedures and methodologies for the Supervisory Review and Evaluation Process (SREP), the purpose of which is to check that banking institutions have adequate arrangements, strategies, processes and mechanisms as well as capital and liquidity to ensure sound management and coverage of their risks.

Before that, we had 19 different ways of undertaking the SREP. To achieve a level playing field and consistency in supervision, the harmonisation of regulations is needed, so we addressed the national options.

With the newly adopted Pension and Disability Insurance Act the right to survivor’s pension was recognized to registered same-sex partners under equal conditions as it is recognized to married opposite-sex couples.

Slovenia, with which ECHR ordered Slovenia to set up a compensation scheme for damages suffered by erased persons, was not implemented by the deadline set by the Court.

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