What changed

MOTION FOR A EUROPEAN PARLIAMENT RESOLUTION

P10_TA(2026)0159

on Banking Union – annual report 2025

(2025/2136(INI))

Committee on Economic and Monetary Affairs

PE779.660

European Parliament resolution of 30 April 2026 on Banking Union – annual report 2025 (2025/2136(INI))

The European Parliament,

– having regard to its position at first reading of 24 April 2024 on the proposal for a Directive of the European Parliament and of the Council amending Directive 2014/49/EU as regards the scope of deposit protection, use of deposit guarantee schemes funds, cross-border cooperation, and transparency10,

– having regard to the report of its Committee on Economic and Monetary Affairs of 23 April 2024 on the proposal for a regulation of the European Parliament and of the Council amending Regulation (EU) No 806/2014 to establish a European Deposit Insurance Scheme (EDIS),

– having regard to the Commission Communication ‘Savings and Investments Union – A Strategy to Foster Citizens’ Wealth and Economic Competitiveness in the EU’ (COM(2025)0124),

3. Highlights the fact that the interest rates offered to households and SMEs across the Member States are highly disparate; encourages the Commission to consider measures to ensure better access to finance for all citizens and businesses, especially in the case of SMEs requiring much-needed capital at fair and competitive rates;

4. Emphasises the banking sector’s role in financing the twin transition; highlights the simplification efforts under the EU’s sustainable finance framework to ensure coherence, reduce duplication and align obligations across banking, disclosure and risk-management rules; draws attention to the European Insurance and Occupational Pensions Authority’s recommendation to set higher capital requirements for stranded assets; calls for stronger supervisory guidance, including through the use of Pillar 2 requirements to align financial institutions with the EU’s climate objectives;

5. Regrets the remaining barriers to cross-border retail banking services; emphasises the potential for an integrated Banking Union to improve competition and consumer choice in the area of retail banking, including through improved opportunities for the provision of cross-border retail banking services;

32. Instructs its President to forward this resolution to the Council, the Commission, the European Central Bank, the Single Resolution Board and the European Banking Authority.

EXPLANATORY STATEMENT

This report covers the developments of the Banking Union in 2025.

ANNEX: DECLARATION OF INPUT

The rapporteur declares under her exclusive responsibility that she did not include in her report input from interest representatives falling within the scope of the Interinstitutional Agreement on a mandatory transparency register1, or from representatives of public authorities of third countries, including their diplomatic missions and embassies, to be listed in this Annex pursuant to Article 8 of Annex I to the Rules of Procedure.

INFORMATION ON ADOPTION IN COMMITTEE RESPONSIBLE

FINAL VOTE BY ROLL CALL BY THE COMMITTEE RESPONSIBLE

Key:

+ : in favour

- : against

0 : abstentions