)
Visual
earnings real time
European Central Bank (ECB) investor relations material
European Central Bank has been private
European Central Bank Monetary Policy Decision summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Monetary Policy Decision summary18 Dec, 2025
Monetary policy decisions and outlook
Key ECB interest rates remain unchanged, with deposit facility at 2.00%, main refinancing at 2.15%, and marginal lending at 2.40%; the decision was unanimous and all options remain open with a data-dependent, meeting-by-meeting approach.
No forward guidance or pre-commitment to a rate path due to high uncertainty; all rate options remain on the table.
No discussion of rate cuts or hikes took place at the meeting.
Inflation and growth projections
Headline inflation is projected to average 2.1% in 2025, 1.9% in 2026, 1.8% in 2027, and 2.0% in 2028; inflation excluding energy and food is expected to average 2.4% in 2025 and decline to 2.0% by 2028.
Inflation for 2026 was revised up due to slower decline in services inflation, mainly driven by higher-than-expected wage growth.
Economic growth projections have been revised up, with GDP growth expected at 1.4% in 2025, 1.2% in 2026, and 1.4% in 2027 and 2028.
Economic drivers and risks
Domestic demand, rising real incomes, and government investment are expected to drive growth, while global trade remains a drag.
Labor market remains robust, with unemployment at 6.4% and employment growth at 0.2% in Q3.
Uncertainty remains high due to geopolitical tensions, global trade shifts, and financial market volatility.
Upside risks to growth include increased defense and infrastructure spending and productivity gains from AI; downside risks stem from global shocks and trade disruptions.
What is the ECB's wage growth outlook for 2026?
Assess AI's impact on Euro area growth profile.
Clarify "all optionalities on the table" for rates.
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
Related articles
)
)
Frequently asked questions
The European Central Bank (ECB) is the central bank for the eurozone, the group of European Union (EU) countries that have adopted the euro as their primary currency. Its main tasks include defining and implementing the monetary policy for the eurozone, conducting foreign exchange operations, holding and managing the official foreign reserves of the eurozone countries, and promoting the smooth operation of payment systems. The ECB aims to maintain price stability within the eurozone, seeking to keep inflation under control. It does not directly offer banking services to the public or companies but rather influences the economic environment through the management of interest rates and the supply of money. The ECB also plays a crucial role in banking supervision, working alongside national supervisory authorities to ensure the stability and solidity of the banking system. The European Central Bank is headquartered in Frankfurt, Germany.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage