On Banking Union – annual report 2025
A-10-2026-0079
Committee on Economic and Monetary Affairs · Rapporteur: Evelyn Regner
- Voted on · Adopted 376–187–17 · See the decision →
- Full procedure 2025/2136
Written by a language model from the full text only; every figure comes from the text. The paragraph links open the paragraph a statement rests on — check the text itself before relying on it.
This resolution is Parliament's annual report on the Banking Union for 2025. It welcomes progress under the Single Supervisory Mechanism and Single Resolution Mechanism, calls for completing the Banking Union including a European Deposit Insurance Scheme, and addresses supervision, resolution, and deposit insurance.¶¶ It calls on the Commission to prioritise completion of the Banking Union and the Savings and Investments Union, and urges measures to improve access to finance, cross-border banking, and consumer protection.¶¶¶ The resolution stresses the need for robust supervision of risks from non-bank financial intermediaries, crypto-assets, and climate change, and supports the digital euro and gender balance in financial institutions.¶¶¶ It welcomes the crisis management and deposit insurance reform and the provisional agreement on insolvency law, and reaffirms commitment to a European Deposit Insurance Scheme as the third pillar.¶¶¶
Key points
- Calls for full and swift completion of the Banking Union, including work towards the European Deposit Insurance Scheme, and measures to deepen market integration and capital and liquidity circulation within banking groups.¶
- Calls on the Commission to prioritise the Banking Union and the Savings and Investments Union, and to propose actions in its 2026 competitiveness report to increase EU banks' competitiveness while safeguarding their role in financing green and digital transitions.¶¶
- Encourages the Commission to consider measures to ensure better access to finance for all citizens and businesses, especially SMEs, given disparate interest rates across member states.¶
- Calls for stronger supervisory guidance, including Pillar 2 requirements, to align financial institutions with EU climate objectives, and notes the recommendation for higher capital requirements for stranded assets.¶
- Welcomes progress on the digital euro and the Council's General Approach of December 2025, and regards it essential that Parliament finalises its position as soon as possible.¶
- Calls on financial institutions, stakeholders, the Commission and member states to adopt diversity strategies, monitor gender gaps, and embed gender equality in supervisory and investment frameworks.¶
- Calls on member states and competent authorities to ensure robust supervision and enforcement of consumer protection law, including protection of primary residences, especially for vulnerable households.¶
- Welcomes AMLA's role in fighting money laundering and terrorist financing, and calls for consistent implementation, cooperation, and proportionality in its work.¶
- Calls for a balanced and integrated approach to financial reporting, including a centralised data hub with standardised definitions, to reduce complexity and improve data quality.¶
- Calls for comprehensive European supervision of non-bank financial intermediaries, system-wide stress tests, and measures to address liquidity and systemic risks.¶
- Welcomes the finalisation and implementation of the Basel III framework, and calls on the Commission to review equivalence decisions with jurisdictions not implementing those standards.¶
- Reaffirms strong commitment to a European Deposit Insurance Scheme as the third pillar, urges the Council to advance negotiations, and calls on the new Eurogroup President to resume discussions.¶¶
Who is affected
- EU banks, including those under the Single Supervisory Mechanism, will face calls for stronger supervision of risks and adherence to consumer protection and diversity standards.¶¶¶
- Non-bank financial intermediaries are targeted for comprehensive European supervision and system-wide stress tests.
- Credit institutions receiving State aid must operate within prudent parameters on dividends, buy-backs, and variable remuneration.¶
- Smaller and medium-sized banks are emphasised for flexibility in crisis management and deposit insurance.¶
Figures and deadlines
- SSM banks' aggregate Common Equity Tier 1 ratio reached 16.12 % in the second quarter of 2025.¶
- Return on equity was 10.11 % in the second quarter of 2025.
- Non-performing loans decreased to 2.22 % and stage 2 loans stood at 9.59 %.