Sittings · Document
Draft report (2025/2136(INI)) 2026-01-19
Banking Union – annual report 2025
Committee on Economic and Monetary Affairs
Amendment 1
Markus Ferber, Michalis Hadjipantela
Motion for a resolution
Citation 12
| Motion for a resolution | Amendment |
| – 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) 806/2014 to establish a European Deposit Insurance Scheme (EDIS), | deleted |
Or. en
Amendment 2
Angelika Winzig
Motion for a resolution
Citation 12
| Motion for a resolution | Amendment |
| – 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) 806/2014 to establish a European Deposit Insurance Scheme (EDIS), | deleted |
Or. en
Amendment 3
Markus Ferber, Michalis Hadjipantela
Motion for a resolution
Citation 14
| Motion for a resolution | Amendment |
| – having regard to the Five Presidents’ Report of 22 June 2015 entitled ‘Completing Europe’s Economic and Monetary Union’, | deleted |
Or. en
Amendment 4
Markus Ferber, Michalis Hadjipantela
Motion for a resolution
Citation 21
| Motion for a resolution | Amendment |
| – having regard to the ECB Occasional Paper No 328 of 2023 entitled ‘The Road to Paris: stress testing the transition towards a net-zero economy’, | deleted |
Or. en
Amendment 5
Michalis Hadjipantela
Motion for a resolution
Citation 21
| Motion for a resolution | Amendment |
| – having regard to the ECB Occasional Paper No 328 of 2023 entitled ‘The Road to Paris: stress testing the transition towards a net-zero economy’, | deleted |
Or. en
Amendment 6
Virginijus Sinkevičius
on behalf of the Verts/ALE Group
Motion for a resolution
Citation 21 a (new)
| Motion for a resolution | Amendment |
| – having regard to the ECB Occasional Paper No 376 of 2025 entitled ‘Capital requirements: a pillar or a burden for banks competitiveness?’, |
Or. en
Amendment 7
Jussi Saramo, Manon Aubry
Motion for a resolution
Citation 25 a (new)
| Motion for a resolution | Amendment |
| – having regard the Basel Committee of Banking Supervision's report of 10 July 2025 ’Banks interconnections with non-bank financial intermediaries’, |
Or. en
Amendment 8
Virginijus Sinkevičius
on behalf of the Verts/ALE Group
Motion for a resolution
Citation 30 a (new)
| Motion for a resolution | Amendment |
| – having regard to the European Insurance and Occupational Pensions Authority’s report on the prudential treatment of sustainability risks of 7 November 2024 |
Or. en
Amendment 9
Markus Ferber, Michalis Hadjipantela
Motion for a resolution
Citation 34 a (new)
| Motion for a resolution | Amendment |
| – having regard to the ECB report on Simplification of the European prudential regulatory, supervisory and reporting framework of December 2025, |
Or. en
Amendment 10
Markus Ferber, Michalis Hadjipantela
Motion for a resolution
Citation 34 b (new)
| Motion for a resolution | Amendment |
| – having regard to the EBA's report on the efficiency of the regulatory and supervisory framework of 1 October 2025, |
Or. en
Amendment 11
Isabel Benjumea Benjumea, Fernando Navarrete Rojas
Motion for a resolution
Recital A
| Motion for a resolution | Amendment |
| A. whereas the Banking Union aims to safeguard banking stability, avoid taxpayer-funded bailouts, strengthen resilience, enable orderly resolution, reduce market fragmentation and enhance competitiveness, cross-border activity and access to finance, while the ‘too big to fail’ issue remains unresolved; | A. whereas the Banking Union aims to safeguard stability of the financial system and ensure orderly management of the banking crisis, avoid taxpayer-funded bailouts, strengthen resilience, enable orderly resolution, reduce market fragmentation and enhance competitiveness, cross-border activity and access to finance; |
Or. es
Amendment 12
Marlena Maląg
on behalf of the ECR Group
Motion for a resolution
Recital A
| Motion for a resolution | Amendment |
| A. whereas the Banking Union aims to safeguard banking stability, avoid taxpayer-funded bailouts, strengthen resilience, enable orderly resolution, reduce market fragmentation and enhance competitiveness, cross-border activity and access to finance, while the ‘too big to fail’ issue remains unresolved; | A. whereas the Banking Union aims to safeguard banking stability, breaking the state-bank doomsday loop and avoid taxpayer-funded bailouts, strengthen resilience, enable orderly resolution, reduce market fragmentation and enhance competitiveness, cross-border activity and access to finance; |
Or. en
Amendment 13
Markus Ferber, Michalis Hadjipantela
Motion for a resolution
Recital A
| Motion for a resolution | Amendment |
| A. whereas the Banking Union aims to safeguard banking stability, avoid taxpayer-funded bailouts, strengthen resilience, enable orderly resolution, reduce market fragmentation and enhance competitiveness, cross-border activity and access to finance, while the ‘too big to fail’ issue remains unresolved; | A. whereas the Banking Union aims to safeguard banking stability, avoid taxpayer-funded bailouts, strengthen resilience, enable orderly resolution, reduce market fragmentation and enhance competitiveness, cross-border activity and access to finance; |
Or. en
Amendment 14
Gilles Boyer, Stéphanie Yon-Courtin
Motion for a resolution
Recital A
| Motion for a resolution | Amendment |
| A. whereas the Banking Union aims to safeguard banking stability, avoid taxpayer-funded bailouts, strengthen resilience, enable orderly resolution, reduce market fragmentation and enhance competitiveness, cross-border activity and access to finance, while the ‘too big to fail’ issue remains unresolved; | A. whereas the Banking Union aims to safeguard banking stability, avoid taxpayer-funded bailouts, strengthen resilience, enable orderly resolution, reduce market fragmentation and enhance competitiveness, cross-border activity and access to finance, while the European Union’s banking landscape is diverse, with different banking structures offering a wide range of services to Europe’s citizens and businesses; |
Or. en
Amendment 15
Auke Zijlstra, Mireia Borrás Pabón, Sebastian Tynkkynen, Roman Haider
Motion for a resolution
Recital A
| Motion for a resolution | Amendment |
| A. whereas the Banking Union aims to safeguard banking stability, avoid taxpayer-funded bailouts, strengthen resilience, enable orderly resolution, reduce market fragmentation and enhance competitiveness, cross-border activity and access to finance, while the ‘too big to fail’ issue remains unresolved; | A. whereas the Banking Union aims to safeguard banking stability, avoid taxpayer-funded bailouts, strengthen resilience, enable orderly resolution, reduce market fragmentation and enhance competitiveness, cross-border activity and access to finance, while the persistence of ’too big to fail’ dynamics continues to distort market incentives and increases implicit sovereign guarantees; calls for stronger market discipline rather than further regulatory layering; |
Or. en
Amendment 16
Michalis Hadjipantela
Motion for a resolution
Recital A
| Motion for a resolution | Amendment |
| A. whereas the Banking Union aims to safeguard banking stability, avoid taxpayer-funded bailouts, strengthen resilience, enable orderly resolution, reduce market fragmentation and enhance competitiveness, cross-border activity and access to finance, while the ‘too big to fail’ issue remains unresolved; | A. whereas the Banking Union aims to safeguard banking stability, avoid taxpayer-funded bailouts, strengthen resilience, enable orderly resolution, reduce market fragmentation and enhance competitiveness, cross-border activity and access to finance, thereby reducing costs for banks' customers, while the ‘too big to fail’ issue remains unresolved; |
Or. en
Amendment 17
Virginijus Sinkevičius
on behalf of the Verts/ALE Group
Motion for a resolution
Recital A
| Motion for a resolution | Amendment |
| A. whereas the Banking Union aims to safeguard banking stability, avoid taxpayer-funded bailouts, strengthen resilience, enable orderly resolution, reduce market fragmentation and enhance competitiveness, cross-border activity and access to finance, while the ‘too big to fail’ issue remains unresolved; | A. whereas the Banking Union aims to safeguard banking stability, avoid taxpayer-funded bailouts, strengthen resilience, enable orderly resolution, reduce market fragmentation, improve depositors’ protection and enhance competitiveness, cross-border activity and access to finance, while the ‘too big to fail’ issue remains unresolved; |
Or. en
Amendment 18
Isabel Benjumea Benjumea, Fernando Navarrete Rojas
Motion for a resolution
Recital A a (new)
| Motion for a resolution | Amendment |
| Aa. whereas the Banking Union aims to ensure that: banks are robust and able to withstand any future financial crises; non-viable banks are resolved without recourse to taxpayers’ money and with minimal impact on the real economy; market fragmentation is reduced by harmonised financial sector rules; |
Or. es
Amendment 19
Markus Ferber, Michalis Hadjipantela
Motion for a resolution
Recital A a (new)
| Motion for a resolution | Amendment |
| A a. whereas a strong and diversified banking sector is key to delivering economic growth, financing small and medium-sized enterprises (SMEs) and start-ups and ensuring the transition to a green and digital economy; |
Or. en
Amendment 20
Angelika Winzig
Motion for a resolution
Recital B
| Motion for a resolution | Amendment |
| B. whereas the Banking Union, consisting of the SSM and the Single Resolution Mechanism (SRM), aligns supervision with crisis management, but remains incomplete without a fully implemented EDIS; | B. whereas the Banking Union, consisting of the SSM and the Single Resolution Mechanism (SRM), has enhanced financial stability and improved the alignment between supervision and crisis management; |
Or. en
Amendment 21
Engin Eroglu
Motion for a resolution
Recital B
| Motion for a resolution | Amendment |
| B. whereas the Banking Union, consisting of the SSM and the Single Resolution Mechanism (SRM), aligns supervision with crisis management, but remains incomplete without a fully implemented EDIS; | B. whereas the Banking Union, consisting of the SSM, the Single Resolution Mechanism (SRM) and harmonised rules for deposit insurance, aligns supervision with crisis management; |
Or. en
Amendment 22
Ralf Seekatz
Motion for a resolution
Recital B
| Motion for a resolution | Amendment |
| B. whereas the Banking Union, consisting of the SSM and the Single Resolution Mechanism (SRM), aligns supervision with crisis management, but remains incomplete without a fully implemented EDIS; | B. whereas the Banking Union, consisting of the SSM and the Single Resolution Mechanism (SRM), aligns supervision with crisis management; Notes that national deposit guarantee schemes were introduced successfully and have proved their functionality in a number of cases; a new Commission proposal to establish a European Deposit Insurance Scheme should better take into account specific national characteristics, in order to preserve well-functioning systems for smaller banks that already exist in some Member States, while ensuring a level playing field across the Banking Union; |
Or. en
Amendment 23
Markus Ferber, Michalis Hadjipantela
Motion for a resolution
Recital B
| Motion for a resolution | Amendment |
| B. whereas the Banking Union, consisting of the SSM and the Single Resolution Mechanism (SRM), aligns supervision with crisis management, but remains incomplete without a fully implemented EDIS; | B. whereas the Banking Union, consisting of the SSM and the Single Resolution Mechanism (SRM), aligns supervision with crisis management and ensures a high level of deposit protection based on common European minimum standards; |
Or. en
Amendment 24
Marlena Maląg
on behalf of the ECR Group
Motion for a resolution
Recital B
| Motion for a resolution | Amendment |
| B. whereas the Banking Union, consisting of the SSM and the Single Resolution Mechanism (SRM), aligns supervision with crisis management, but remains incomplete without a fully implemented EDIS; | B. whereas the Banking Union, currently consisting of the SSM and the Single Resolution Mechanism (SRM), aligns supervision with crisis management; |
Or. en
Amendment 25
Michalis Hadjipantela
Motion for a resolution
Recital B
| Motion for a resolution | Amendment |
| B. whereas the Banking Union, consisting of the SSM and the Single Resolution Mechanism (SRM), aligns supervision with crisis management, but remains incomplete without a fully implemented EDIS; | B. whereas the Banking Union, consisting of the SSM and the Single Resolution Mechanism (SRM), aligns supervision with crisis management; |
Or. en
Amendment 26
Auke Zijlstra, Tomáš Kubín, Sebastian Tynkkynen, Roman Haider, Jaroslava Pokorná Jermanová
Motion for a resolution
Recital B
| Motion for a resolution | Amendment |
| B. whereas the Banking Union, consisting of the SSM and the Single Resolution Mechanism (SRM), aligns supervision with crisis management, but remains incomplete without a fully implemented EDIS; | B. whereas the Banking Union, consisting of the SSM and the Single Resolution Mechanism (SRM), aligns supervision with crisis management, but remains structurally incomplete and inefficient; stresses that risk-mutualisation without market accountability distorts competitive neutrality and exposes fiscally responsible Member States to undue contingent liabilities; |
Or. en
Amendment 27
Herbert Dorfmann, Marco Falcone
Motion for a resolution
Recital B
| Motion for a resolution | Amendment |
| B. whereas the Banking Union, consisting of the SSM and the Single Resolution Mechanism (SRM), aligns supervision with crisis management, but remains incomplete without a fully implemented EDIS; | B. whereas the Banking Union, consisting of the SSM and the Single Resolution Mechanism (SRM), aligns supervision with crisis management, but remains incomplete without an EDIS taking full account of national specificities; |
Or. en
Amendment 28
Fernando Navarrete Rojas, Isabel Benjumea Benjumea
Motion for a resolution
Recital B
| Motion for a resolution | Amendment |
| B. whereas the Banking Union, consisting of the SSM and the Single Resolution Mechanism (SRM), aligns supervision with crisis management, but remains incomplete without a fully implemented EDIS; | B. whereas the Banking Union, consisting of the SSM and the Single Resolution Mechanism (SRM), aligns supervision with crisis management, but remains incomplete without a fully implemented EDIS and the common backstop to the SRF, which is contingent on the ratification of the revised ESM Treaty; |
Or. en
Amendment 29
Regina Doherty
Motion for a resolution
Recital B
| Motion for a resolution | Amendment |
| B. whereas the Banking Union, consisting of the SSM and the Single Resolution Mechanism (SRM), aligns supervision with crisis management, but remains incomplete without a fully implemented EDIS; | B. whereas the Banking Union, consisting of the SSM and the Single Resolution Mechanism (SRM), with the single rulebook as its foundation, aligns supervision with crisis management, but remains incomplete without a fully implemented EDIS; |
Or. en
Amendment 30
Regina Doherty
Motion for a resolution
Recital B a (new)
| Motion for a resolution | Amendment |
| B a. whereas a completed Banking Union would be a positive development for citizens and the EU economy, providing the basis for a more stable banking system, reduction of systemic risk, enhanced competition, improved consumer choice, increased opportunities for cross-border banking and access to retail financial services, greater economic investment, better access to funding for households and businesses, and the reduction of costs for banking customers; |
Or. en
Amendment 31
Fernando Navarrete Rojas, Isabel Benjumea Benjumea
Motion for a resolution
Recital B a (new)
| Motion for a resolution | Amendment |
| B a. whereas the ECB encourages the completion of the Banking Union to foster cross-border integration and allow for more efficient capital allocation as conditions necessary to eliminate the current competitive disadvantage that EU banks face due to a lack of scale, whereas it also recommends the simplification of the European prudential regulatory, supervisory, and reporting framework; |
Or. en
Amendment 32
Jussi Saramo, Manon Aubry
Motion for a resolution
Recital B a (new)
| Motion for a resolution | Amendment |
| B a. whereas non-bank financial intermediaries (NBFIs, or ’shadow banks’) remain outside the Banking Union architecture, thereby making the EU banking sector vulnerable to risks arising from ever-tightening interlinkages between NBFIs and the banking sector; |
Or. en
Amendment 33
Regina Doherty
Motion for a resolution
Recital B b (new)
| Motion for a resolution | Amendment |
| B b. whereas a stable, resilient, dynamic, and competitive banking sector is vital for economic growth, for supporting small and medium businesses, for increasing the possibility of home-ownership, for innovation, for investment, and for the widening of economic opportunity for all; |
Or. en
Amendment 34
Fernando Navarrete Rojas, Isabel Benjumea Benjumea
Motion for a resolution
Recital B b (new)
| Motion for a resolution | Amendment |
| B b. whereas according to the literature on Optimum Currency Areas, a complete Banking Union is crucial to avoid asymmetric effects of shocks across the EU, leading to more financial and economic stability and resilience; |
Or. en
Amendment 35
Markus Ferber, Michalis Hadjipantela
Motion for a resolution
Recital C
| Motion for a resolution | Amendment |
| C. whereas the EU should fully implement the Basel III standards without delay; | deleted |
Or. en
Amendment 36
Gilles Boyer, Stéphanie Yon-Courtin
Motion for a resolution
Recital C
| Motion for a resolution | Amendment |
| C. whereas the EU should fully implement the Basel III standards without delay; | C. whereas financial stability is a prerequisite for effective monetary policy and a resilient financial system, whereas the EU has already agreed its implementation of the Basel III framework; while it is also essential to ensure the right balance between financial stability, the respect of international frameworks and an international level playing field to ensure that European banks are able to compete on an equal footing with banks from other jurisdictions; |
Or. en
Amendment 37
Marlena Maląg
on behalf of the ECR Group
Motion for a resolution
Recital C
| Motion for a resolution | Amendment |
| C. whereas the EU should fully implement the Basel III standards without delay; | C. whereas the Basel III rules should be adapted to the specificities of the European banking sector, taking into account the proportionality criterion and simplification for smaller banks, which is in line with the outcomes of the European Central Bank High-Level Task Force on Simplification, supported by the ECB's Governing Council; |
Or. en
Amendment 38
Isabel Benjumea Benjumea
Motion for a resolution
Recital C
| Motion for a resolution | Amendment |
| C. whereas the EU should fully implement the Basel III standards without delay; | C. whereas the EU should consistently implement the Basel III standards, while at the same time ensuring they are applied proportionately, gradually and in a manner adapted to the specific features of the European financial system and without damaging the competitiveness of the Union’s banking system; |
Or. es
Amendment 39
Ralf Seekatz
Motion for a resolution
Recital C
| Motion for a resolution | Amendment |
| C. whereas the EU should fully implement the Basel III standards without delay; | C. whereas the EU should implement the Basel III standards without delay in a way that safeguards the international competitiveness of the European banking sector and ensures a global level playing field; |
Or. en
Amendment 40
Michalis Hadjipantela
Motion for a resolution
Recital C
| Motion for a resolution | Amendment |
| C. whereas the EU should fully implement the Basel III standards without delay; | C. whereas the EU should fully implement the Basel III standards without hampering the international competitiveness of the banking sector; |
Or. en
Amendment 41
Fernando Navarrete Rojas, Isabel Benjumea Benjumea
Motion for a resolution
Recital C
| Motion for a resolution | Amendment |
| C. whereas the EU should fully implement the Basel III standards without delay; | C. whereas the EU have been implementing Basel III standards to all banks regardless their size and scope of action; whereas the EU should fully implement the Basel III standards only for European internationally active banks without delay; |
Or. en
Amendment 42
Marco Falcone, Fulvio Martusciello, Herbert Dorfmann
Motion for a resolution
Recital C
| Motion for a resolution | Amendment |
| C. whereas the EU should fully implement the Basel III standards without delay; | C. whereas the EU should fully implement the Basel III standards without delay bearing in mind the importance of a global level playing field and the vital role of EU banks in financing the economy, including households and SMEs, and in ensuring the competitiveness of the banking system; |
Or. it
Amendment 43
Virginijus Sinkevičius
on behalf of the Verts/ALE Group
Motion for a resolution
Recital C
| Motion for a resolution | Amendment |
| C. whereas the EU should fully implement the Basel III standards without delay; | C. whereas the EU should fully implement the Basel III standards, including the market risk framework, without further delay; |
Or. en
Amendment 44
Auke Zijlstra, Sebastian Tynkkynen
Motion for a resolution
Recital C
| Motion for a resolution | Amendment |
| C. whereas the EU should fully implement the Basel III standards without delay; | C. whereas the EU should fully implement the Basel III standards without delay; criticises the EU’s repeated postponements and deviations from international Basel standards, including the delay of the market risk rules to 2026, which create regulatory arbitrage and competitive disadvantages for EU banks in global wholesale markets; such uneven implementation distorts the level playing field and increases systemic risk through inefficiencies in risk capital allocation; |
Or. en
Amendment 45
Regina Doherty
Motion for a resolution
Recital C a (new)
| Motion for a resolution | Amendment |
| C a. whereas the Russian aggression against Ukraine and its economic and social consequences is having and will have a direct and indirect impact on the EU banking sector; whereas EU banks play a pivotal role in ensuring the ongoing implementation of and compliance with the sanctions imposed by the EU against Russia in response to the invasion; |
Or. en
Amendment 46
Regina Doherty
Motion for a resolution
Recital C b (new)
| Motion for a resolution | Amendment |
| C b. whereas the digitalisation of finance provides extensive opportunities for the banking sector and has brought about important technological advances in the EU banking sector through increased efficiency in the provision of banking services and a greater appetite for innovation and data sharing, it also poses challenges, including with regard to cyber risks, data privacy, reputational risks, AML risks and consumer protection concerns; |
Or. en
Amendment 47
Regina Doherty
Motion for a resolution
Recital C c (new)
| Motion for a resolution | Amendment |
| C c. whereas one of the key objectives of the Banking Union is that taxpayers should not bear the cost of remedial action when a bank fails; |
Or. en
Amendment 48
Markus Ferber, Michalis Hadjipantela
Motion for a resolution
Recital D
| Motion for a resolution | Amendment |
| D. whereas climate change, environmental risks and the low-carbon transition must be considered in assessing banks’ balance-sheet risks; | deleted |
Or. en
Amendment 49
Fernando Navarrete Rojas, Isabel Benjumea Benjumea
Motion for a resolution
Recital D
| Motion for a resolution | Amendment |
| D. whereas climate change, environmental risks and the low-carbon transition must be considered in assessing banks’ balance-sheet risks; | deleted |
Or. en
Amendment 50
Marco Falcone, Fulvio Martusciello, Herbert Dorfmann
Motion for a resolution
Recital D
| Motion for a resolution | Amendment |
| D. whereas climate change, environmental risks and the low-carbon transition must be considered in assessing banks’ balance-sheet risks; | deleted |
Or. it
Amendment 51
Marlena Maląg
on behalf of the ECR Group
Motion for a resolution
Recital D
| Motion for a resolution | Amendment |
| D. whereas climate change, environmental risks and the low-carbon transition must be considered in assessing banks’ balance-sheet risks; | deleted |
Or. en
Amendment 52
Auke Zijlstra, Mireia Borrás Pabón, Tomáš Kubín, Sebastian Tynkkynen, Roman Haider, Jaroslava Pokorná Jermanová, Enikő Győri, Pierre Pimpie, Paolo Borchia
Motion for a resolution
Recital D
| Motion for a resolution | Amendment |
| D. whereas climate change, environmental risks and the low-carbon transition must be considered in assessing banks’ balance-sheet risks; | D. whereas there is a pressing need not to subordinate traditional risk metrics to politically driven environmental targets that can inflate capital charges and restrict credit supply where it is most productive; |
Or. en
Amendment 53
Michalis Hadjipantela
Motion for a resolution
Recital D
| Motion for a resolution | Amendment |
| D. whereas climate change, environmental risks and the low-carbon transition must be considered in assessing banks’ balance-sheet risks; | D. whereas climate change, environmental risks and the low-carbon transition can be considered in assessing banks’ balance-sheet risks, only if they are affecting financial stability; |
Or. en
Amendment 54
Virginijus Sinkevičius
on behalf of the Verts/ALE Group
Motion for a resolution
Recital D
| Motion for a resolution | Amendment |
| D. whereas climate change, environmental risks and the low-carbon transition must be considered in assessing banks’ balance-sheet risks; | D. whereas climate change, environmental risks and the transition to a net-zero economy must be considered in assessing banks’ balance-sheet risks; |
Or. en
Amendment 55
Marlena Maląg
on behalf of the ECR Group
Motion for a resolution
Recital E
| Motion for a resolution | Amendment |
| E. whereas a digital euro could enhance EU payment efficiency, resilience, financial inclusion, innovation, public confidence and the euro’s international role; | E. whereas the digital euro project brings challenges and potential threats to the liquidity and stability of the EU banking sector; |
Or. en
Amendment 56
Auke Zijlstra, Sebastian Tynkkynen, Pierre Pimpie
Motion for a resolution
Recital E
| Motion for a resolution | Amendment |
| E. whereas a digital euro could enhance EU payment efficiency, resilience, financial inclusion, innovation, public confidence and the euro’s international role; | E. whereas an offline and wholesale digital euro could enhance EU payment efficiency and resilience, but could also materially weaken commercial banks’ deposit bases and undermine financial stability by incentivising flight to central bank deposits, especially during stress periods; such a shift could reduce banks’ ability to lend to households and SMEs, increasing dependency on centralised monetary funding mechanisms rather than diversified market financing; |
Or. en
Amendment 57
Marco Falcone, Fulvio Martusciello, Herbert Dorfmann
Motion for a resolution
Recital E
| Motion for a resolution | Amendment |
| E. whereas a digital euro could enhance EU payment efficiency, resilience, financial inclusion, innovation, public confidence and the euro’s international role; | E. whereas a digital euro will enhance EU payment efficiency, competitiveness, resilience, financial inclusion, innovation, public confidence and the euro’s international role; |
Or. it
Amendment 58
Virginijus Sinkevičius
on behalf of the Verts/ALE Group
Motion for a resolution
Recital E
| Motion for a resolution | Amendment |
| E. whereas a digital euro could enhance EU payment efficiency, resilience, financial inclusion, innovation, public confidence and the euro’s international role; | E. whereas a digital euro would enhance EU payment efficiency, resilience, financial inclusion, innovation, public confidence and the euro’s international role; |
Or. en
Amendment 59
Fernando Navarrete Rojas, Isabel Benjumea Benjumea
Motion for a resolution
Recital E
| Motion for a resolution | Amendment |
| E. whereas a digital euro could enhance EU payment efficiency, resilience, financial inclusion, innovation, public confidence and the euro’s international role; | E. whereas a pan-European sovereign retail payment solution could enhance EU payment efficiency, sovereignty, resilience, financial inclusion, innovation, public confidence and the euro’s international role; whereas a solution that fully integrates market players would foster ongoing innovation, confidence, and financial stability through deeper, more liquid markets; |
Or. en
Amendment 60
Gilles Boyer, Stéphanie Yon-Courtin
Motion for a resolution
Recital E
| Motion for a resolution | Amendment |
| E. whereas a digital euro could enhance EU payment efficiency, resilience, financial inclusion, innovation, public confidence and the euro’s international role; | E. whereas a retail digital euro could enhance EU payment efficiency, resilience, financial inclusion, innovation, competitiveness, public confidence, customer’s privacy concerning digital payments and the euro’s international role; |
Or. en
Amendment 61
Fernando Navarrete Rojas, Isabel Benjumea Benjumea
Motion for a resolution
Recital E a (new)
| Motion for a resolution | Amendment |
| E a. whereas, the efficiency, resilience and strategic autonomy of the Union’s financial market infrastructures are essential for the proper functioning of the Banking Union and for the competitiveness of the EU financial system; whereas the development of a wholesale CBDC, designed exclusively for settlement between regulated financial institutions, has the potential to significantly improve cross-border payments, securities settlement and liquidity management, including through enhanced interoperability between payment systems and market infrastructures; whereas the ongoing Eurosystem initiatives represent important steps towards exploring these benefits in a controlled and market-oriented manner; whereas accelerating to a full scale operation level could contribute to strengthening the international role of the euro, reducing fragmentation in EU financial markets and supporting financial stability, while fully preserving the singleness of money and the role of private sector intermediaries; |
Or. en
Amendment 62
Gilles Boyer, Stéphanie Yon-Courtin
Motion for a resolution
Recital E a (new)
| Motion for a resolution | Amendment |
| E a. whereas the ECB is advancing rapidly with its wholesale digital euro, with the ongoing short-term track (Pontes) and long-term track (Appia) DLT projects for wholesale central bank money settlement; |
Or. en
Amendment 63
Markus Ferber, Michalis Hadjipantela
Motion for a resolution
Recital F
| Motion for a resolution | Amendment |
| F. whereas EU banks have posted record profits since 2022 thanks to delayed pass-through of monetary tightening policies; whereas several Member States have introduced temporary bank levies to ensure a fair contribution while safeguarding stability and social cohesion; | deleted |
Or. en
Amendment 64
Isabel Benjumea Benjumea
Motion for a resolution
Recital F
| Motion for a resolution | Amendment |
| F. whereas EU banks have posted record profits since 2022 thanks to delayed pass-through of monetary tightening policies; whereas several Member States have introduced temporary bank levies to ensure a fair contribution while safeguarding stability and social cohesion; | deleted |
Or. es
Amendment 65
Fernando Navarrete Rojas, Isabel Benjumea Benjumea
Motion for a resolution
Recital F
| Motion for a resolution | Amendment |
| F. whereas EU banks have posted record profits since 2022 thanks to delayed pass-through of monetary tightening policies; whereas several Member States have introduced temporary bank levies to ensure a fair contribution while safeguarding stability and social cohesion; | F. whereas EU banks have posted record profits since 2022 thanks to delayed pass-through of monetary tightening policies, helping to close the RoE gap between EU and US banks after more than 15 years; whereas several Member States have introduced temporary bank levies even though institutions like the ECB have repeatedly stated in its Opinions that levies on financial institutions for general budgetary concerns would be undesirable and that their application could distort market competition and impair the level playing field both within the country and across the Banking Union; |
Or. en
Amendment 66
Arba Kokalari
Motion for a resolution
Recital F
| Motion for a resolution | Amendment |
| F. whereas EU banks have posted record profits since 2022 thanks to delayed pass-through of monetary tightening policies; whereas several Member States have introduced temporary bank levies to ensure a fair contribution while safeguarding stability and social cohesion; | F. whereas EU banks have posted record profits since 2022 thanks to delayed pass-through of monetary tightening policies; whereas several Member States have introduced temporary bank levies; |
Or. en
Amendment 67
Marco Falcone, Fulvio Martusciello, Herbert Dorfmann
Motion for a resolution
Recital F
| Motion for a resolution | Amendment |
| F. whereas EU banks have posted record profits since 2022 thanks to delayed pass-through of monetary tightening policies; whereas several Member States have introduced temporary bank levies to ensure a fair contribution while safeguarding stability and social cohesion; | F. whereas EU banks have posted record profits since 2022 thanks to delayed pass-through of monetary tightening policies; whereas several Member States have introduced temporary bank levies to ensure a fair contribution while safeguarding stability and social cohesion; whereas EU banks’ profitability has increased since 2022 in a context of tighter monetary policy, which has helped generate capital and ensure financial stability; whereas the profitability of banks remains cyclical and subject to the entire interest rate cycle; whereas several Member States have introduced temporary levies on banks, and these should always be exceptional, proportionate and carefully assessed in order to avoid adverse effects on banks’ capital position and lending capacity and on financial stability and the level playing field within the Banking Union; |
Or. it
Amendment 68
Auke Zijlstra, Mireia Borrás Pabón, Tomáš Kubín, Sebastian Tynkkynen, Roman Haider, Jaroslava Pokorná Jermanová
Motion for a resolution
Recital F
| Motion for a resolution | Amendment |
| F. whereas EU banks have posted record profits since 2022 thanks to delayed pass-through of monetary tightening policies; whereas several Member States have introduced temporary bank levies to ensure a fair contribution while safeguarding stability and social cohesion; | F. whereas EU banks have posted record profits since 2022 thanks to delayed pass-through of monetary tightening policies; whereas several Member States have introduced temporary bank levies to ensure a fair contribution while safeguarding stability and social cohesion; whereas high retained earnings have largely been absorbed by rising capital requirements and inflated compliance costs, including sustainability reporting, which constrains banks’ capacity to support the real economy, and that monetary policy tightening has suppressed net interest margins, reflecting broader macroprudential pressures on profitability; |
Or. en
Amendment 69
Isabel Benjumea Benjumea, Fernando Navarrete Rojas
Motion for a resolution
Recital F a (new)
| Motion for a resolution | Amendment |
| Fa. whereas imposing sector-specific taxes on credit institutions even as temporary measures may create distortions in the internal market, negatively affect institutions’ capacity to issue credit to households and businesses and make the tax framework less predictable; |
Or. es
Amendment 70
Virginijus Sinkevičius
on behalf of the Verts/ALE Group
Motion for a resolution
Recital F a (new)
| Motion for a resolution | Amendment |
| F a. whereas in its Communication on the ‘Savings and Investments Union’ of March 2025, the Commission commits to take ’decisive steps to further develop the Banking Union, including by identifying a way forward on the European Deposit Insurance Scheme’ but has still not tabled any proposal related to the completion of the Banking Union since then; |
Or. en
Amendment 71
Michalis Hadjipantela
Motion for a resolution
Recital F a (new)
| Motion for a resolution | Amendment |
| F a. whereas banks are a fundamental pillar of our economy and among the most strategically important sectors; whereas stability, resilience and competitiveness are fundamental to ensuring that the financial system can adapt to global challenges, foster innovation and effectively meet the needs of businesses and citizens; |
Or. en
Amendment 72
Fernando Navarrete Rojas, Isabel Benjumea Benjumea
Motion for a resolution
Recital F a (new)
| Motion for a resolution | Amendment |
| F a. whereas excess liquidity in the euro area reached EUR 4.7 trillion in 2022, while today stands at EUR 2.8 trillion; whereas liquidity coverage ratio of the euro area banks also reached its peak in 2022 overpassing 170%, while in the third quarter of 2025 it stands at 156%; |
Or. en
Amendment 73
Aurore Lalucq, Evelyn Regner
Motion for a resolution
Recital F a (new)
| Motion for a resolution | Amendment |
| F a. whereas e-money tokens (EMTs) are increasingly used and are becoming more closely interconnected with banks within the Banking Union; |
Or. en
Amendment 74
Isabel Benjumea Benjumea, Fernando Navarrete Rojas
Motion for a resolution
Recital F b (new)
| Motion for a resolution | Amendment |
| Fb. whereas banks are a cornerstone of our economy and one of our most important strategic sectors, it is vital to ensure that they operate in an environment that fosters stability, resilience, dynamism and competitiveness; whereas those principles are essential not just for sustainable economic growth, but also to ensure that the financial system can adapt to global challenges, facilitate innovation and respond effectively to the needs of businesses and citizens; whereas a vibrant economy requires a banking sector that is both robust and flexible, and that fosters investment and channels capital efficiently, thereby increasing our capacity to compete in an ever-changing global market; |
Or. es
Amendment 75
Aurore Lalucq, Evelyn Regner
Motion for a resolution
Recital F b (new)
| Motion for a resolution | Amendment |
| F b. whereas Regulation (EU) 2023/1114 (MiCA) establishes differentiated market access requirements, redemption obligations and supervisory frameworks for issuers of asset-referenced tokens and e-money tokens, reflecting their different risk profiles and monetary implications; |
Or. en
Amendment 76
Michalis Hadjipantela
Motion for a resolution
Recital F b (new)
| Motion for a resolution | Amendment |
| F b. whereas a strong banking sector is key to delivering economic growth and financing small and medium-sized enterprises (SMEs) and start-ups; |
Or. en
Amendment 77
Auke Zijlstra, Mireia Borrás Pabón, Tomáš Kubín, Sebastian Tynkkynen, Roman Haider, Jaroslava Pokorná Jermanová, Pierre Pimpie, Paolo Borchia
Motion for a resolution
Paragraph 1
| Motion for a resolution | Amendment |
| 1. Welcomes the progress with the SSM and SRM over the past decade; calls for a full and swift completion of the Banking Union, including a fully fledged EDIS; stresses that the Banking Union must support a more inclusive and sustainable financial system aligned with social cohesion and the EU Green Deal; | 1. Takes note of the developments surrounding the SSM and SRM over the past decade; calls for reforms that enhance market discipline rather than bureaucratic expansion; underlines that proposals that further centralise risk should be offset by commensurate accountability; |
Or. en
Amendment 78
Marlena Maląg
on behalf of the ECR Group
Motion for a resolution
Paragraph 1
| Motion for a resolution | Amendment |
| 1. Welcomes the progress with the SSM and SRM over the past decade; calls for a full and swift completion of the Banking Union, including a fully fledged EDIS; stresses that the Banking Union must support a more inclusive and sustainable financial system aligned with social cohesion and the EU Green Deal; | 1. Welcomes the progress with the SSM and SRM over the past decade; |
Or. en
Amendment 79
Engin Eroglu
Motion for a resolution
Paragraph 1
| Motion for a resolution | Amendment |
| 1. Welcomes the progress with the SSM and SRM over the past decade; calls for a full and swift completion of the Banking Union, including a fully fledged EDIS; stresses that the Banking Union must support a more inclusive and sustainable financial system aligned with social cohesion and the EU Green Deal; | 1. Welcomes the progress with the SSM and SRM over the past decade; calls for a further development of the Banking Union, taking into account the specific characteristics of national banking sectors and ensuring the autonomy and effective functioning of Institutional Protection Schemes (IPSs), without counteracting the specific provisions for IPSs agreed in the CMDI review; |
Or. en
Amendment 80
Markus Ferber, Michalis Hadjipantela
Motion for a resolution
Paragraph 1
| Motion for a resolution | Amendment |
| 1. Welcomes the progress with the SSM and SRM over the past decade; calls for a full and swift completion of the Banking Union, including a fully fledged EDIS; stresses that the Banking Union must support a more inclusive and sustainable financial system aligned with social cohesion and the EU Green Deal; | 1. Welcomes the progress with the SSM and SRM over the past decade; calls for a gradual further development of the Banking Union, while taking due account of national specificities; |
Or. en
Amendment 81
Ralf Seekatz
Motion for a resolution
Paragraph 1
| Motion for a resolution | Amendment |
| 1. Welcomes the progress with the SSM and SRM over the past decade; calls for a full and swift completion of the Banking Union, including a fully fledged EDIS; stresses that the Banking Union must support a more inclusive and sustainable financial system aligned with social cohesion and the EU Green Deal; | 1. Welcomes the progress with the SSM and SRM over the past decade; calls for a full and swift completion of the Banking Union, including an EDIS which takes account of national specificities; |
Or. en
Amendment 82
Michalis Hadjipantela
Motion for a resolution
Paragraph 1
| Motion for a resolution | Amendment |
| 1. Welcomes the progress with the SSM and SRM over the past decade; calls for a full and swift completion of the Banking Union, including a fully fledged EDIS; stresses that the Banking Union must support a more inclusive and sustainable financial system aligned with social cohesion and the EU Green Deal; | 1. Welcomes the progress with the SSM and SRM over the past decade; stresses that the Banking Union must support a more inclusive and sustainable financial system aligned with the twin transition; |
Or. en
Amendment 83
Dirk Gotink
Motion for a resolution
Paragraph 1
| Motion for a resolution | Amendment |
| 1. Welcomes the progress with the SSM and SRM over the past decade; calls for a full and swift completion of the Banking Union, including a fully fledged EDIS; stresses that the Banking Union must support a more inclusive and sustainable financial system aligned with social cohesion and the EU Green Deal; | 1. Welcomes the progress with the SSM and SRM over the past decade; calls for a full and swift completion of the Banking Union, including a fully fledged EDIS; |
Or. en
Amendment 84
Isabel Benjumea Benjumea, Fernando Navarrete Rojas
Motion for a resolution
Paragraph 1
| Motion for a resolution | Amendment |
| 1. Welcomes the progress with the SSM and SRM over the past decade; calls for a full and swift completion of the Banking Union, including a fully fledged EDIS; stresses that the Banking Union must support a more inclusive and sustainable financial system aligned with social cohesion and the EU Green Deal; | 1. Welcomes the progress with the SSM and SRM over the past decade; calls for a full and swift completion of the Banking Union, including a fully fledged EDIS; |
Or. es
Amendment 85
Angelika Winzig
Motion for a resolution
Paragraph 1
| Motion for a resolution | Amendment |
| 1. Welcomes the progress with the SSM and SRM over the past decade; calls for a full and swift completion of the Banking Union, including a fully fledged EDIS; stresses that the Banking Union must support a more inclusive and sustainable financial system aligned with social cohesion and the EU Green Deal; | 1. Welcomes the progress with the SSM and SRM over the past decade; encourages the completion of the Banking Union; stresses that the Banking Union must support an inclusive and sustainable financial system aligned with social cohesion and the EU Green Deal; |
Or. en
Amendment 86
Gilles Boyer, Stéphanie Yon-Courtin
Motion for a resolution
Paragraph 1
| Motion for a resolution | Amendment |
| 1. Welcomes the progress with the SSM and SRM over the past decade; calls for a full and swift completion of the Banking Union, including a fully fledged EDIS; stresses that the Banking Union must support a more inclusive and sustainable financial system aligned with social cohesion and the EU Green Deal; | 1. Welcomes the progress with the SSM and SRM over the past decade; calls for a full and swift completion of the Banking Union, including continued work on EDIS, and measures to deepen market integration and facilitate the effective circulation of capital and liquidity within banking groups; stresses that the Banking Union must support a more inclusive and sustainable financial system aligned with social cohesion and the EU Green Deal; |
Or. en
Amendment 87
Herbert Dorfmann, Marco Falcone
Motion for a resolution
Paragraph 1
| Motion for a resolution | Amendment |
| 1. Welcomes the progress with the SSM and SRM over the past decade; calls for a full and swift completion of the Banking Union, including a fully fledged EDIS; stresses that the Banking Union must support a more inclusive and sustainable financial system aligned with social cohesion and the EU Green Deal; | 1. Welcomes the progress with the SSM and SRM over the past decade; calls for a full and swift completion of the Banking Union, including an EDIS which takes account of national specificities; stresses that the Banking Union must support a more inclusive and sustainable financial system aligned with social cohesion and the EU Green Deal; |
Or. en
Amendment 88
Fernando Navarrete Rojas, Isabel Benjumea Benjumea
Motion for a resolution
Paragraph 1
| Motion for a resolution | Amendment |
| 1. Welcomes the progress with the SSM and SRM over the past decade; calls for a full and swift completion of the Banking Union, including a fully fledged EDIS; stresses that the Banking Union must support a more inclusive and sustainable financial system aligned with social cohesion and the EU Green Deal; | 1. Welcomes the progress with the SSM and SRM over the past decade; calls for a full and swift completion of the Banking Union, including a fully fledged, mutualised EDIS; stresses that the Banking Union must support a more competitive, inclusive and sustainable financial system; |
Or. en
Amendment 89
Fernand Kartheiser
Motion for a resolution
Paragraph 1
| Motion for a resolution | Amendment |
| 1. Welcomes the progress with the SSM and SRM over the past decade; calls for a full and swift completion of the Banking Union, including a fully fledged EDIS; stresses that the Banking Union must support a more inclusive and sustainable financial system aligned with social cohesion and the EU Green Deal; | 1. Welcomes the progress with the SSM and SRM over the past decade; calls for a full and swift completion of the Banking Union, including a fully fledged EDIS; stresses that the Banking Union must support a more inclusive and sustainable financial system aligned with social cohesion and competitiveness; |
Or. fr
Amendment 90
Virginijus Sinkevičius
on behalf of the Verts/ALE Group
Motion for a resolution
Paragraph 1
| Motion for a resolution | Amendment |
| 1. Welcomes the progress with the SSM and SRM over the past decade; calls for a full and swift completion of the Banking Union, including a fully fledged EDIS; stresses that the Banking Union must support a more inclusive and sustainable financial system aligned with social cohesion and the EU Green Deal; | 1. Welcomes the progress with the SSM and SRM over the past decade; calls for a full and swift completion of the Banking Union, including a fully fledged EDIS providing loss coverage; stresses that the Banking Union must support a more inclusive and sustainable financial system aligned with social cohesion and the EU Green Deal; |
Or. en
Amendment 91
Marlena Maląg
on behalf of the ECR Group
Motion for a resolution
Paragraph 1 a (new)
| Motion for a resolution | Amendment |
| 1 a. Notes that a more integrated Banking Union would help to increase the resilience of the EU banking sector and bring benefits to customers; notes, in this connection, the need to address the problems and challenges related to the home-host issue, in particular credible guarantees for host countries, reflected in EU law; |
Or. en
Amendment 92
Marlena Maląg
on behalf of the ECR Group
Motion for a resolution
Paragraph 2
| Motion for a resolution | Amendment |
| 2. Calls on the Commission to prioritise the completion of the Banking Union and Savings and Investment Union (SIU); highlights their importance for citizens, SMEs and the real economy by fostering sustainable prosperity, quality jobs and financial stability; underlines the need for a strong solidarity-based framework that prevents bank runs; | deleted |
Or. en
Amendment 93
Auke Zijlstra, Tomáš Kubín, Sebastian Tynkkynen, Roman Haider, Jaroslava Pokorná Jermanová, Pierre Pimpie, Paolo Borchia
Motion for a resolution
Paragraph 2
| Motion for a resolution | Amendment |
| 2. Calls on the Commission to prioritise the completion of the Banking Union and Savings and Investment Union (SIU); highlights their importance for citizens, SMEs and the real economy by fostering sustainable prosperity, quality jobs and financial stability; underlines the need for a strong solidarity-based framework that prevents bank runs; | 2. Takes note of the Commissison's proposals related the Savings and Investment Union(SIU); notes that the SIU’s current design risks diverting savings into high-risk capital markets without adequate investor protections or clear market incentives; such central planning may distort savings allocation and expose retail investors to volatility absent robust safety mechanisms; |
Or. en
Amendment 94
Markus Ferber, Michalis Hadjipantela
Motion for a resolution
Paragraph 2
| Motion for a resolution | Amendment |
| 2. Calls on the Commission to prioritise the completion of the Banking Union and Savings and Investment Union (SIU); highlights their importance for citizens, SMEs and the real economy by fostering sustainable prosperity, quality jobs and financial stability; underlines the need for a strong solidarity-based framework that prevents bank runs; | 2. Calls on the Commission to prioritise the further development of the Banking Union and Savings and Investment Union (SIU); highlights their importance for citizens, SMEs and the real economy by fostering sustainable prosperity, quality jobs and financial stability; |
Or. en
Amendment 95
Isabel Benjumea Benjumea, Fernando Navarrete Rojas
Motion for a resolution
Paragraph 2
| Motion for a resolution | Amendment |
| 2. Calls on the Commission to prioritise the completion of the Banking Union and Savings and Investment Union (SIU); highlights their importance for citizens, SMEs and the real economy by fostering sustainable prosperity, quality jobs and financial stability; underlines the need for a strong solidarity-based framework that prevents bank runs; | 2. Calls on the Commission to prioritise the completion of the Banking Union and Savings and Investment Union (SIU) as essential tools for channelling savings into investments; highlights their importance for citizens, SMEs and the economy by fostering prosperity, quality jobs and financial stability; underlines the need for a strong framework that is based on clear rules and effective mechanisms to boost depositor confidence and prevents bank run incidents; |
Or. es
Amendment 96
Dirk Gotink
Motion for a resolution
Paragraph 2
| Motion for a resolution | Amendment |
| 2. Calls on the Commission to prioritise the completion of the Banking Union and Savings and Investment Union (SIU); highlights their importance for citizens, SMEs and the real economy by fostering sustainable prosperity, quality jobs and financial stability; underlines the need for a strong solidarity-based framework that prevents bank runs; | 2. Calls on the Commission to prioritise the completion of the Banking Union and Savings and Investment Union (SIU); highlights their importance for citizens, SMEs and the real economy by fostering sustainable prosperity, quality jobs and financial stability; underlines that a more integrated Banking Union would support the growth and competitiveness of European banks; underlines the need for a strong framework to prevent bank runs; |
Or. en
Amendment 97
Gilles Boyer, Stéphanie Yon-Courtin
Motion for a resolution
Paragraph 2
| Motion for a resolution | Amendment |
| 2. Calls on the Commission to prioritise the completion of the Banking Union and Savings and Investment Union (SIU); highlights their importance for citizens, SMEs and the real economy by fostering sustainable prosperity, quality jobs and financial stability; underlines the need for a strong solidarity-based framework that prevents bank runs; | 2. Calls on the Commission to prioritise the completion of the Banking Union and Savings and Investment Union (SIU); highlights their importance for citizens, SMEs and the real economy by fostering sustainable prosperity, quality jobs and financial stability; underlines the need for a strong and robust framework that is based on clear rules and obligations and prevents bank runs, enhances financial stability and competitiveness and strengthens the EU’s banking sector; |
Or. en
Amendment 98
Virginijus Sinkevičius
on behalf of the Verts/ALE Group
Motion for a resolution
Paragraph 2
| Motion for a resolution | Amendment |
| 2. Calls on the Commission to prioritise the completion of the Banking Union and Savings and Investment Union (SIU); highlights their importance for citizens, SMEs and the real economy by fostering sustainable prosperity, quality jobs and financial stability; underlines the need for a strong solidarity-based framework that prevents bank runs; | 2. Calls on the Commission to prioritise the completion of the Banking Union as part of the Savings and Investment Union (SIU); highlights their importance for citizens, SMEs and the real economy by fostering sustainable prosperity, quality jobs and financial stability; underlines the need for a strong solidarity-based framework that prevents bank runs; |
Or. en
Amendment 99
Michalis Hadjipantela
Motion for a resolution
Paragraph 2
| Motion for a resolution | Amendment |
| 2. Calls on the Commission to prioritise the completion of the Banking Union and Savings and Investment Union (SIU); highlights their importance for citizens, SMEs and the real economy by fostering sustainable prosperity, quality jobs and financial stability; underlines the need for a strong solidarity-based framework that prevents bank runs; | 2. Calls on the Commission to prioritise the completion of the Banking Union and the Savings and Investment Union (SIU); highlights their importance for citizens, SMEs and the real economy by fostering resilience, competitiveness, sustainable prosperity, quality jobs and financial stability; underlines the need for a strong solidarity-based framework that prevents bank runs; |
Or. en
Amendment 100
Regina Doherty
Motion for a resolution
Paragraph 2
| Motion for a resolution | Amendment |
| 2. Calls on the Commission to prioritise the completion of the Banking Union and Savings and Investment Union (SIU); highlights their importance for citizens, SMEs and the real economy by fostering sustainable prosperity, quality jobs and financial stability; underlines the need for a strong solidarity-based framework that prevents bank runs; | 2. Calls on the Commission to prioritise the completion of the Banking Union and Savings and Investment Union (SIU); highlights their importance for citizens, SMEs and the real economy by fostering sustainable prosperity, quality jobs and financial stability; underlines the need for a strong solidarity-based framework that prevents bank runs; stresses that the completion of the Capital Markets Union alongside the development of the Banking Union will help to deliver better conditions for the financing of the European economy, for both households and companies that are still largely reliant on bank credit to foster investments and job creation, while also contributing to the resilience of the European economy; |
Or. en
Amendment 101
Regina Doherty
Motion for a resolution
Paragraph 2 a (new)
| Motion for a resolution | Amendment |
| 2 a. Highlights that the interest rates offered to households and SMEs across the Member States are highly disparate; urges the Commission and banking supervisors to consider measures to ensure that all citizens and businesses can access much-needed capital at fair and competitive rates; |
Or. en
Amendment 102
Markus Ferber, Michalis Hadjipantela
Motion for a resolution
Paragraph 3
| Motion for a resolution | Amendment |
| 3. Emphasises the banking sector’s role in financing the transition to a carbon-neutral economy; calls for stronger supervisory guidance to align financial institutions with the EU’s climate objectives; | deleted |
Or. en
Amendment 103
Isabel Benjumea Benjumea
Motion for a resolution
Paragraph 3
| Motion for a resolution | Amendment |
| 3. Emphasises the banking sector’s role in financing the transition to a carbon-neutral economy; calls for stronger supervisory guidance to align financial institutions with the EU’s climate objectives; | deleted |
Or. es
Amendment 104
Dirk Gotink
Motion for a resolution
Paragraph 3
| Motion for a resolution | Amendment |
| 3. Emphasises the banking sector’s role in financing the transition to a carbon-neutral economy; calls for stronger supervisory guidance to align financial institutions with the EU’s climate objectives; | deleted |
Or. en
Amendment 105
Marlena Maląg
on behalf of the ECR Group
Motion for a resolution
Paragraph 3
| Motion for a resolution | Amendment |
| 3. Emphasises the banking sector’s role in financing the transition to a carbon-neutral economy; calls for stronger supervisory guidance to align financial institutions with the EU’s climate objectives; | deleted |
Or. en
Amendment 106
Fernand Kartheiser
Motion for a resolution
Paragraph 3
| Motion for a resolution | Amendment |
| 3. Emphasises the banking sector’s role in financing the transition to a carbon-neutral economy; calls for stronger supervisory guidance to align financial institutions with the EU’s climate objectives; | 3. Emphasises the banking sector’s role in financing the digital transition; |
Or. fr
Amendment 107
Auke Zijlstra, Mireia Borrás Pabón, Tomáš Kubín, Sebastian Tynkkynen, Roman Haider, Jaroslava Pokorná Jermanová, Enikő Győri, Pierre Pimpie, Paolo Borchia
Motion for a resolution
Paragraph 3
| Motion for a resolution | Amendment |
| 3. Emphasises the banking sector’s role in financing the transition to a carbon-neutral economy; calls for stronger supervisory guidance to align financial institutions with the EU’s climate objectives; | 3. Stresses that green financial legislation should not supplant creditworthiness, traditional risk assessments, or price discovery mechanisms that underpin sound lending decisions; |
Or. en
Amendment 108
Michalis Hadjipantela
Motion for a resolution
Paragraph 3
| Motion for a resolution | Amendment |
| 3. Emphasises the banking sector’s role in financing the transition to a carbon-neutral economy; calls for stronger supervisory guidance to align financial institutions with the EU’s climate objectives; | 3. Emphasises the banking sector’s role in financing the twin transition; highlights the need for simplification of the EU’s sustainable finance framework to ensure coherence, reduce duplication and align obligations across banking, disclosure and risk management rules; |
Or. en
Amendment 109
Engin Eroglu
Motion for a resolution
Paragraph 3
| Motion for a resolution | Amendment |
| 3. Emphasises the banking sector’s role in financing the transition to a carbon-neutral economy; calls for stronger supervisory guidance to align financial institutions with the EU’s climate objectives; | 3. Emphasises the banking sector’s role in financing the twin transition; |
Or. en
Amendment 110
Fernando Navarrete Rojas, Isabel Benjumea Benjumea
Motion for a resolution
Paragraph 3
| Motion for a resolution | Amendment |
| 3. Emphasises the banking sector’s role in financing the transition to a carbon-neutral economy; calls for stronger supervisory guidance to align financial institutions with the EU’s climate objectives; | 3. Acknowledges the banking sector’s role in supporting the financing needs of the real economy, including investments related to the transition to a more competitive economy; calls for stronger supervisory guidance to align financial institutions with the EU’s economic competitiveness agenda; stresses that supervisory action in the sustainability area should remain firmly grounded in a risk-based approach and within the prudential mandate, focusing on the identification, assessment and management of material climate-related financial risks, without undermining market neutrality or the primary objectives of financial stability and sound risk management; |
Or. en
Amendment 111
Virginijus Sinkevičius
on behalf of the Verts/ALE Group
Motion for a resolution
Paragraph 3
| Motion for a resolution | Amendment |
| 3. Emphasises the banking sector’s role in financing the transition to a carbon-neutral economy; calls for stronger supervisory guidance to align financial institutions with the EU’s climate objectives; | 3. Emphasises the banking sector’s role in financing the transition to a carbon-neutral economy; calls on the Commission to table proposal to fully include sustainability risks into the prudential framework, including by setting higher capital requirements for fossil fuel exposures as recommended by the European Insurance and Occupational Pensions Authority; calls for stronger supervisory guidance to align financial institutions with the EU’s climate objectives, including by using pillar 2 requirements; underlines that a credible taxonomy framework is indispensable to achieve those objectives; |
Or. en
Amendment 112
Regina Doherty
Motion for a resolution
Paragraph 3 a (new)
| Motion for a resolution | Amendment |
| 3 a. Considers that an integrated Banking Union must be contingent on a well-functioning single market for retail financial services; calls on the Commission to assess the obstacles and barriers that arise for consumers when availing of retail banking products such as mortgage loans on a cross-border basis and to propose solutions to ensure that consumers can benefit from retail financial services across borders; notes, furthermore, the high discrepancy in mortgage interest rates across the Union; |
Or. en
Amendment 113
Fernando Navarrete Rojas, Isabel Benjumea Benjumea
Motion for a resolution
Paragraph 3 a (new)
| Motion for a resolution | Amendment |
| 3 a. Highlights the pivotal role of the banking sector, as the main lender in the EU, in closing the widening competitiveness gap with other regions; recalls the importance of the banking sector in funding European SMEs while capital markets continue to be developed; |
Or. en
Amendment 114
Regina Doherty
Motion for a resolution
Paragraph 3 b (new)
| Motion for a resolution | Amendment |
| 3 b. 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; stresses the benefits of a diversified and competitive banking sector in Europe; |
Or. en
Amendment 115
Auke Zijlstra, Sebastian Tynkkynen, Roman Haider, Pierre Pimpie
Motion for a resolution
Paragraph 4
| Motion for a resolution | Amendment |
| 4. Welcomes progress on the digital euro and its potential to complement cash while enhancing the EU’s financial sovereignty and autonomy; | 4. Expresses deep scepticism about the digital euro’s impact on bank deposit bases and financial intermediation; calls for strict holding limits and safeguards to prevent displacement of private bank deposits and preserve banks’ credit intermediation capacity; |
Or. en
Amendment 116
Marlena Maląg
on behalf of the ECR Group
Motion for a resolution
Paragraph 4
| Motion for a resolution | Amendment |
| 4. Welcomes progress on the digital euro and its potential to complement cash while enhancing the EU’s financial sovereignty and autonomy; | 4. Notes progress on the digital euro and is aware of the challenges and potential threats this project may pose to the liquidity and stability of the EU banking sector; |
Or. en
Amendment 117
Markus Ferber
Motion for a resolution
Paragraph 4
| Motion for a resolution | Amendment |
| 4. Welcomes progress on the digital euro and its potential to complement cash while enhancing the EU’s financial sovereignty and autonomy; | 4. Takes note of the progress on the digital euro and its potential to complement cash while enhancing the EU’s financial sovereignty and autonomy; |
Or. en
Amendment 118
Fernando Navarrete Rojas, Isabel Benjumea Benjumea
Motion for a resolution
Paragraph 4
| Motion for a resolution | Amendment |
| 4. Welcomes progress on the digital euro and its potential to complement cash while enhancing the EU’s financial sovereignty and autonomy; | 4. Welcomes progress on the wholesale digital euro due to its benefits in terms of efficiency, cross-border settlement and financial market integration; stresses that any retail digital euro should strictly complement cash, respect the existing market structure and avoid crowding out private payment solutions that are already delivering innovation and efficiency across the Union while enhancing the EU’s financial sovereignty and autonomy; |
Or. en
Amendment 119
Gilles Boyer, Stéphanie Yon-Courtin
Motion for a resolution
Paragraph 4
| Motion for a resolution | Amendment |
| 4. Welcomes progress on the digital euro and its potential to complement cash while enhancing the EU’s financial sovereignty and autonomy; | 4. Welcomes progress on both the wholesale and retail digital euros; welcomes the retail digital euro’s potential to complement cash while enhancing the EU’s financial sovereignty and autonomy; welcomes the finalisation of the Council’s General Approach concerning the retail digital euro in December 2025 and calls on the Parliament to finalise its ambitious position as soon as possible; |
Or. en
Amendment 120
Virginijus Sinkevičius
on behalf of the Verts/ALE Group
Motion for a resolution
Paragraph 4
| Motion for a resolution | Amendment |
| 4. Welcomes progress on the digital euro and its potential to complement cash while enhancing the EU’s financial sovereignty and autonomy; | 4. Welcomes progress on the digital euro and its potential to complement cash while enhancing the EU’s financial sovereignty and autonomy and contributing to financial inclusiveness; |
Or. en
Amendment 121
Regina Doherty
Motion for a resolution
Paragraph 4 a (new)
| Motion for a resolution | Amendment |
| 4 a. Welcomes that the banking sector is adapting to the challenges and opportunities of digitalisation which will enable banks to better serve their customers; encourages banks to further take advantage of the opportunities offered by digitalisation, while maintaining a high level of consumer and investor protection through investment in in IT systems, R&D, the full implementation of requirements under DORA, and the development of a regulatory framework that is fit-for-purpose to respond to digitalisation trends and based on technological neutrality; welcomes the progress made on the digital finance package; considers that consumer protection must be strengthened in a digital context and that financial inclusion should be prioritised, particularly through improved digital and financial literacy; |
Or. en
Amendment 122
Fernand Kartheiser
Motion for a resolution
Paragraph 5
| Motion for a resolution | Amendment |
| 5. Regrets the persistent gender imbalance in financial institutions, especially in management; stresses that diverse leadership and better access to finance for women-led firms13enhance governance, innovation and economic performance; calls on financial institutions, stakeholders, the Commission and Member States to adopt effective diversity strategies, monitor gender gaps and embed gender equality in supervisory and investment frameworks to ensure inclusive capital access across the EU; | deleted |
| _________________ | |
| 13 European Institute for Gender Equality, Gender in entrepreneurship, 2017, pp. 5–6. |
Or. fr
Amendment 123
Isabel Benjumea Benjumea
Motion for a resolution
Paragraph 5
| Motion for a resolution | Amendment |
| 5. Regrets the persistent gender imbalance in financial institutions, especially in management; stresses that diverse leadership and better access to finance for women-led firms13enhance governance, innovation and economic performance; calls on financial institutions, stakeholders, the Commission and Member States to adopt effective diversity strategies, monitor gender gaps and embed gender equality in supervisory and investment frameworks to ensure inclusive capital access across the EU; | deleted |
| _________________ | |
| 13 European Institute for Gender Equality, Gender in entrepreneurship, 2017, pp. 5–6. |
Or. es
Amendment 124
Marlena Maląg
on behalf of the ECR Group
Motion for a resolution
Paragraph 5
| Motion for a resolution | Amendment |
| 5. Regrets the persistent gender imbalance in financial institutions, especially in management; stresses that diverse leadership and better access to finance for women-led firms13 enhance governance, innovation and economic performance; calls on financial institutions, stakeholders, the Commission and Member States to adopt effective diversity strategies, monitor gender gaps and embed gender equality in supervisory and investment frameworks to ensure inclusive capital access across the EU; | deleted |
| _________________ | |
| 13 European Institute for Gender Equality, Gender in entrepreneurship, 2017, pp. 5–6. |
Or. en
Amendment 125
Auke Zijlstra, Mireia Borrás Pabón, Tomáš Kubín, Sebastian Tynkkynen, Roman Haider, Jaroslava Pokorná Jermanová, Enikő Győri, Pierre Pimpie, Paolo Borchia
Motion for a resolution
Paragraph 5
| Motion for a resolution | Amendment |
| 5. Regrets the persistent gender imbalance in financial institutions, especially in management; stresses that diverse leadership and better access to finance for women-led firms13 enhance governance, innovation and economic performance; calls on financial institutions, stakeholders, the Commission and Member States to adopt effective diversity strategies, monitor gender gaps and embed gender equality in supervisory and investment frameworks to ensure inclusive capital access across the EU; | deleted |
| _________________ | |
| 13 European Institute for Gender Equality, Gender in entrepreneurship, 2017, pp. 5–6. |
Or. en
Amendment 126
Markus Ferber
Motion for a resolution
Paragraph 5
| Motion for a resolution | Amendment |
| 5. Regrets the persistent gender imbalance in financial institutions, especially in management; stresses that diverse leadership and better access to finance for women-led firms13 enhance governance, innovation and economic performance; calls on financial institutions, stakeholders, the Commission and Member States to adopt effective diversity strategies, monitor gender gaps and embed gender equality in supervisory and investment frameworks to ensure inclusive capital access across the EU; | deleted |
| _________________ | |
| 13 European Institute for Gender Equality, Gender in entrepreneurship, 2017, pp. 5–6. |
Or. en
Amendment 127
Fernando Navarrete Rojas
Motion for a resolution
Paragraph 5
| Motion for a resolution | Amendment |
| 5. Regrets the persistent gender imbalance in financial institutions, especially in management; stresses that diverse leadership and better access to finance for women-led firms13 enhance governance, innovation and economic performance; calls on financial institutions, stakeholders, the Commission and Member States to adopt effective diversity strategies, monitor gender gaps and embed gender equality in supervisory and investment frameworks to ensure inclusive capital access across the EU; | 5. Stresses that diverse leadership enhance governance, innovation and economic performance; calls on financial institutions, stakeholders, the Commission and Member States to adopt effective diversity strategies, monitor gender gaps and embed gender equality in supervisory and investment frameworks to ensure inclusive capital access across the EU; |
| _________________ | |
| 13 European Institute for Gender Equality, Gender in entrepreneurship, 2017, pp. 5–6. |
Or. en
Amendment 128
Michalis Hadjipantela
Motion for a resolution
Paragraph 5
| Motion for a resolution | Amendment |
| 5. Regrets the persistent gender imbalance in financial institutions, especially in management; stresses that diverse leadership and better access to finance for women-led firms13 enhance governance, innovation and economic performance; calls on financial institutions, stakeholders, the Commission and Member States to adopt effective diversity strategies, monitor gender gaps and embed gender equality in supervisory and investment frameworks to ensure inclusive capital access across the EU; | 5. Considers the limiting progress on gender balance in financial institutions, especially in management; stresses that diverse leadership and better access to finance for women-led firms13 enhance governance, innovation and economic performance; calls on financial institutions, stakeholders, the Commission and Member States to adopt effective diversity strategies, monitor gender gaps and embed gender equality in supervisory and investment frameworks to ensure inclusive capital access across the EU; |
| _________________ | _________________ |
| 13 European Institute for Gender Equality, Gender in entrepreneurship, 2017, pp. 5–6. | 13 European Institute for Gender Equality, Gender in entrepreneurship, 2017, pp. 5–6. |
Or. en
Amendment 129
Dirk Gotink
Motion for a resolution
Paragraph 5
| Motion for a resolution | Amendment |
| 5. Regrets the persistent gender imbalance in financial institutions, especially in management; stresses that diverse leadership and better access to finance for women-led firms13 enhance governance, innovation and economic performance; calls on financial institutions, stakeholders, the Commission and Member States to adopt effective diversity strategies, monitor gender gaps and embed gender equality in supervisory and investment frameworks to ensure inclusive capital access across the EU; | 5. Regrets the persistent gender imbalance in financial institutions, especially in management; stresses that diverse leadership and better access to finance for women-led firms13 enhance governance, innovation and economic performance; calls on financial institutions, stakeholders, the Commission and Member States to adopt effective diversity strategies, monitor gender gaps and embed gender equality; |
| _________________ | _________________ |
| 13 European Institute for Gender Equality, Gender in entrepreneurship, 2017, pp. 5–6. | 13 European Institute for Gender Equality, Gender in entrepreneurship, 2017, pp. 5–6. |
Or. en
Amendment 130
Virginijus Sinkevičius
on behalf of the Verts/ALE Group
Motion for a resolution
Paragraph 5
| Motion for a resolution | Amendment |
| 5. Regrets the persistent gender imbalance in financial institutions, especially in management; stresses that diverse leadership and better access to finance for women-led firms13 enhance governance, innovation and economic performance; calls on financial institutions, stakeholders, the Commission and Member States to adopt effective diversity strategies, monitor gender gaps and embed gender equality in supervisory and investment frameworks to ensure inclusive capital access across the EU; | 5. Regrets the persistent gender imbalance in financial institutions, especially in management; stresses that diverse leadership and better access to finance for women-led firms13 enhance governance, innovation and economic performance; calls on financial institutions, stakeholders, the Commission and Member States to adopt effective diversity strategies, monitor gender gaps and embed gender equality in supervisory and investment frameworks to ensure inclusive capital access across the EU; deeply regrets the lack of gender-balance of the shortlist for the EBA Chair position; recalls that the Parliament ‘commits itself not to take into account lists of candidates where the gender balance principle has not been respected’; |
| _________________ | _________________ |
| 13 European Institute for Gender Equality, Gender in entrepreneurship, 2017, pp. 5–6. | 13 European Institute for Gender Equality, Gender in entrepreneurship, 2017, pp. 5–6. |
Or. en
Amendment 131
Isabel Benjumea Benjumea, Fernando Navarrete Rojas
Motion for a resolution
Paragraph 5 a (new)
| Motion for a resolution | Amendment |
| 5a. Recalls that governance of financial institutions should be based on merit, experience and professional suitability, ensuring that appointments and management decisions are based on objective criteria and are related to risk, without introducing additional criteria that do not relate to good corporate governance and financial stability; |
Or. es
Amendment 132
Marlena Maląg
on behalf of the ECR Group
Motion for a resolution
Paragraph 5 a (new)
| Motion for a resolution | Amendment |
| 5 a. Regrets that the ability of EU banks to finance large-scale investments is limited by higher costs, smaller scale and lower profitability, which is not sufficient to ensure their competitiveness; notes, however, that the specific nature of the EU banking system, with its large number of smaller banks, requires specific solutions tailored to its characteristics; |
Or. en
Amendment 133
Arba Kokalari
Motion for a resolution
Paragraph 6
| Motion for a resolution | Amendment |
| 6. Notes that following the ECB rate hikes EU banks’ profitability and resilience have significantly improved14 ; emphasises that this can support essential investment and that institutions receiving State aid must face strict limits on dividends, buy-backs and variable remuneration; | deleted |
| _________________ | |
| 14 M. Maneely/L. Ratnovski, Bank Profits and Bank Taxes in the EU, IMF, July 2024. |
Or. en
Amendment 134
Auke Zijlstra, Sebastian Tynkkynen, Roman Haider
Motion for a resolution
Paragraph 6
| Motion for a resolution | Amendment |
| 6. Notes that following the ECB rate hikes EU banks’ profitability and resilience have significantly improved14 ; emphasises that this can support essential investment and that institutions receiving State aid must face strict limits on dividends, buy-backs and variable remuneration; | 6. Acknowledges that prolonged restrictive monetary policies have compressed net interest margins and elevated funding costs, reducing banks’ ability to support sustainable loan growth; |
| _________________ | |
| 14 M. Maneely/L. Ratnovski, Bank Profits and Bank Taxes in the EU, IMF, July 2024. |
Or. en
Amendment 135
Markus Ferber, Michalis Hadjipantela
Motion for a resolution
Paragraph 6
| Motion for a resolution | Amendment |
| 6. Notes that following the ECB rate hikes EU banks’ profitability and resilience have significantly improved14 ; emphasises that this can support essential investment and that institutions receiving State aid must face strict limits on dividends, buy-backs and variable remuneration; | 6. Welcomes that EU banks’ profitability and resilience have significantly improved14 ; notes, however, there is still a profitability gap compared to other jurisdictions, most notably the US; considers that the profitability gap compared to other jurisdictions is due to both structural and regulatory reasons; |
| _________________ | _________________ |
| 14 M. Maneely/L. Ratnovski, Bank Profits and Bank Taxes in the EU, IMF, July 2024. | 14 M. Maneely/L. Ratnovski, Bank Profits and Bank Taxes in the EU, IMF, July 2024. |
Or. en
Amendment 136
Michalis Hadjipantela
Motion for a resolution
Paragraph 6
| Motion for a resolution | Amendment |
| 6. Notes that following the ECB rate hikes EU banks’ profitability and resilience have significantly improved14 ; emphasises that this can support essential investment and that institutions receiving State aid must face strict limits on dividends, buy-backs and variable remuneration; | 6. Notes that profitability and resilience remained high in 2025; emphasises that this profitability can support the funding of households and companies, in particular SMEs and start-ups, as well as young professionals; |
| _________________ | |
| 14 M. Maneely/L. Ratnovski, Bank Profits and Bank Taxes in the EU, IMF, July 2024. |
Or. en
Amendment 137
Fernando Navarrete Rojas, Isabel Benjumea Benjumea
Motion for a resolution
Paragraph 6
| Motion for a resolution | Amendment |
| 6. Notes that following the ECB rate hikes EU banks’ profitability and resilience have significantly improved14 ; emphasises that this can support essential investment and that institutions receiving State aid must face strict limits on dividends, buy-backs and variable remuneration; | 6. Notes that following the ECB rate hikes EU banks’ profitability and resilience have significantly improved14 ; emphasises that this can support essential investment; recalls that this increase in profitability is mainly cyclical and that banks competitiveness still depends on the progress of structural reforms on the Banking Union, the SIU and the Single Market; |
| _________________ | _________________ |
| 14 M. Maneely/L. Ratnovski, Bank Profits and Bank Taxes in the EU, IMF, July 2024. | 14 M. Maneely/L. Ratnovski, Bank Profits and Bank Taxes in the EU, IMF, July 2024. |
Or. en
Amendment 138
Isabel Benjumea Benjumea, Fernando Navarrete Rojas
Motion for a resolution
Paragraph 6
| Motion for a resolution | Amendment |
| 6. Notes that following the ECB rate hikes EU banks’ profitability and resilience have significantly improved14; emphasises that this can support essential investment and that institutions receiving State aid must face strict limits on dividends, buy-backs and variable remuneration; | 6. Notes that following the ECB rate hikes EU banks’ profitability and resilience have significantly improved14; emphasises that this can support essential investment; |
| _________________ | _________________ |
| 14 M. Maneely/L. Ratnovski, Bank Profits and Bank Taxes in the EU, IMF, July 2024. | 14 M. Maneely/L. Ratnovski, Bank Profits and Bank Taxes in the EU, IMF, July 2024. |
Or. es
Amendment 139
Marlena Maląg
on behalf of the ECR Group
Motion for a resolution
Paragraph 6
| Motion for a resolution | Amendment |
| 6. Notes that following the ECB rate hikes EU banks’ profitability and resilience have significantly improved14 ; emphasises that this can support essential investment and that institutions receiving State aid must face strict limits on dividends, buy-backs and variable remuneration; | 6. Notes that following the ECB rate hikes EU banks’ profitability and resilience have significantly improved14 ; emphasises that this can support essential investment; |
| _________________ | _________________ |
| 14 M. Maneely/L. Ratnovski, Bank Profits and Bank Taxes in the EU, IMF, July 2024. | 14 M. Maneely/L. Ratnovski, Bank Profits and Bank Taxes in the EU, IMF, July 2024. |
Or. en
Amendment 140
Dirk Gotink
Motion for a resolution
Paragraph 6
| Motion for a resolution | Amendment |
| 6. Notes that following the ECB rate hikes EU banks’ profitability and resilience have significantly improved14 ; emphasises that this can support essential investment and that institutions receiving State aid must face strict limits on dividends, buy-backs and variable remuneration; | 6. Notes that following the ECB rate hikes EU banks’ profitability and resilience have significantly improved14 ; emphasises that this can support essential investment; |
| _________________ | _________________ |
| 14 M. Maneely/L. Ratnovski, Bank Profits and Bank Taxes in the EU, IMF, July 2024. | 14 M. Maneely/L. Ratnovski, Bank Profits and Bank Taxes in the EU, IMF, July 2024. |
Or. en
Amendment 141
Marco Falcone, Fulvio Martusciello, Herbert Dorfmann
Motion for a resolution
Paragraph 6
| Motion for a resolution | Amendment |
| 6. Notes that following the ECB rate hikes EU banks’ profitability and resilience have significantly improved14; emphasises that this can support essential investment and that institutions receiving State aid must face strict limits on dividends, buy-backs and variable remuneration; | 6. Points out that, following the ECB rate hikes, EU banks’ profitability and resilience have significantly improved14; emphasises that this can buttress essential investment and that institutions receiving State aid must face strict limits on dividends, buy-backs and variable remuneration; stresses that sustainable profitability supports capital accumulation, shock-absorption capacity and financing of the real economy; makes reminder that, as highlighted in recent ECB opinions on national levies on banks, income-based taxes on banks can reduce retained earnings and limit the ability of credit institutions to build up or replenish capital buffers; stresses that any tax measures impacting banks should always be exceptional, proportionate and temporary; they should also not be detrimental to financial stability or to the ability of banks to finance the real economy; |
| _________________ | _________________ |
| 14 M. Maneely/L. Ratnovski, Bank Profits and Bank Taxes in the EU, IMF, July 2024. | 14 M. Maneely/L. Ratnovski, Bank Profits and Bank Taxes in the EU, IMF, July 2024. |
Or. it
Amendment 142
Gilles Boyer, Stéphanie Yon-Courtin
Motion for a resolution
Paragraph 6
| Motion for a resolution | Amendment |
| 6. Notes that following the ECB rate hikes EU banks’ profitability and resilience have significantly improved14 ; emphasises that this can support essential investment and that institutions receiving State aid must face strict limits on dividends, buy-backs and variable remuneration; | 6. Notes that following the ECB rate hikes EU banks’ profitability and resilience have significantly improved14 ; emphasises that this can support essential investment and financing of the European economy and that institutions receiving State aid must face strict limits on dividends, buy-backs and variable remuneration; |
| _________________ | _________________ |
| 14 M. Maneely/L. Ratnovski, Bank Profits and Bank Taxes in the EU, IMF, July 2024. | 14 M. Maneely/L. Ratnovski, Bank Profits and Bank Taxes in the EU, IMF, July 2024. |
Or. en
Amendment 143
Fernando Navarrete Rojas, Isabel Benjumea Benjumea
Motion for a resolution
Paragraph 6 a (new)
| Motion for a resolution | Amendment |
| 6 a. Points out the significant exposure of EU banks to long-term sovereign debt, especially to domestic exposures; recalls the importance of greater diversification on this exposures for the European sector to be more resilient to asymmetric fiscal shocks; underlines the importance of enforcing the EU fiscal rules aiming to guarantee confidence on Member States sovereign debt, diversification and, therefore, reduction of the systemic risk in the euro area; recalls that the lack of a common safe asset as a benchmark reduces efficiency in the capital markets and in the banking sector; |
Or. en
Amendment 144
Markus Ferber, Michalis Hadjipantela
Motion for a resolution
Paragraph 7
| Motion for a resolution | Amendment |
| 7. Calls on the Commission to develop guidelines for a targeted bank solidarity contribution reflecting recent profits, ensuring a fair contribution to public finances while supporting resilience and financial stability; | deleted |
Or. en
Amendment 145
Marco Falcone, Fulvio Martusciello, Herbert Dorfmann
Motion for a resolution
Paragraph 7
| Motion for a resolution | Amendment |
| 7. Calls on the Commission to develop guidelines for a targeted bank solidarity contribution reflecting recent profits, ensuring a fair contribution to public finances while supporting resilience and financial stability; | deleted |
Or. it
Amendment 146
Arba Kokalari
Motion for a resolution
Paragraph 7
| Motion for a resolution | Amendment |
| 7. Calls on the Commission to develop guidelines for a targeted bank solidarity contribution reflecting recent profits, ensuring a fair contribution to public finances while supporting resilience and financial stability; | deleted |
Or. en
Amendment 147
Angelika Winzig
Motion for a resolution
Paragraph 7
| Motion for a resolution | Amendment |
| 7. Calls on the Commission to develop guidelines for a targeted bank solidarity contribution reflecting recent profits, ensuring a fair contribution to public finances while supporting resilience and financial stability; | deleted |
Or. en
Amendment 148
Fernando Navarrete Rojas, Isabel Benjumea Benjumea
Motion for a resolution
Paragraph 7
| Motion for a resolution | Amendment |
| 7. Calls on the Commission to develop guidelines for a targeted bank solidarity contribution reflecting recent profits, ensuring a fair contribution to public finances while supporting resilience and financial stability; | deleted |
Or. en
Amendment 149
Engin Eroglu
Motion for a resolution
Paragraph 7
| Motion for a resolution | Amendment |
| 7. Calls on the Commission to develop guidelines for a targeted bank solidarity contribution reflecting recent profits, ensuring a fair contribution to public finances while supporting resilience and financial stability; | deleted |
Or. en
Amendment 150
Dirk Gotink
Motion for a resolution
Paragraph 7
| Motion for a resolution | Amendment |
| 7. Calls on the Commission to develop guidelines for a targeted bank solidarity contribution reflecting recent profits, ensuring a fair contribution to public finances while supporting resilience and financial stability; | deleted |
Or. en
Amendment 151
Auke Zijlstra, Mireia Borrás Pabón, Tomáš Kubín, Sebastian Tynkkynen, Roman Haider, Jaroslava Pokorná Jermanová, Enikő Győri, Pierre Pimpie
Motion for a resolution
Paragraph 7
| Motion for a resolution | Amendment |
| 7. Calls on the Commission to develop guidelines for a targeted bank solidarity contribution reflecting recent profits, ensuring a fair contribution to public finances while supporting resilience and financial stability; | deleted |
Or. en
Amendment 152
Marlena Maląg
on behalf of the ECR Group
Motion for a resolution
Paragraph 7
| Motion for a resolution | Amendment |
| 7. Calls on the Commission to develop guidelines for a targeted bank solidarity contribution reflecting recent profits, ensuring a fair contribution to public finances while supporting resilience and financial stability; | deleted |
Or. en
Amendment 153
Gilles Boyer, Stéphanie Yon-Courtin
Motion for a resolution
Paragraph 7
| Motion for a resolution | Amendment |
| 7. Calls on the Commission to develop guidelines for a targeted bank solidarity contribution reflecting recent profits, ensuring a fair contribution to public finances while supporting resilience and financial stability; | deleted |
Or. en
Amendment 154
Michalis Hadjipantela
Motion for a resolution
Paragraph 7 a (new)
| Motion for a resolution | Amendment |
| 7 a. Stresses that the proper functioning and credibility of the Banking Union depend also on the full respect and effective enforcement of Union consumer protection law in the banking sector; highlights that credit institutions must refrain from using unfair contractual terms and commercial practices, particularly in mortgage and retail lending; underlines that consumers, including borrowers, must benefit from effective protection, legal certainty and access to effective redress; in this respect, calls on Member States and competent authorities to ensure robust supervision and enforcement measures in cases of breaches; further stresses the importance of ensuring adequate protection of primary residences of less than 250sqm, in particular in cases where borrowers have already repaid a substantial part of their loan, such as 50% of the initial loan; |
Or. en
Amendment 155
Angelika Winzig
Motion for a resolution
Paragraph 7 a (new)
| Motion for a resolution | Amendment |
| 7 a. Stresses that any national measures affecting the banking sector, including solidarity contributions, should be exceptional and proportionate, and should not undermine banks’ ability to finance the real economy, support investment or maintain financial stability; calls on the Commission to monitor their impact on competitiveness and cross-border integration within the internal market; |
Or. en
Amendment 156
Marlena Maląg
on behalf of the ECR Group
Motion for a resolution
Paragraph 8
| Motion for a resolution | Amendment |
| 8. Welcomes AMLA’s role in strengthening the EU’s fight against money laundering and terrorist financing; calls for consistent implementation, enhanced cooperation, information sharing and coordinated enforcement across the EU; | deleted |
Or. en
Amendment 157
Auke Zijlstra, Tomáš Kubín, Sebastian Tynkkynen, Roman Haider, Jaroslava Pokorná Jermanová, Enikő Győri, Pierre Pimpie
Motion for a resolution
Paragraph 8
| Motion for a resolution | Amendment |
| 8. Welcomes AMLA’s role in strengthening the EU’s fight against money laundering and terrorist financing; calls for consistent implementation, enhanced cooperation, information sharing and coordinated enforcement across the EU; | 8. Looks forward to AMLA’s role in strengthening the EU’s fight against money laundering and terrorist financing; calls for consistent implementation, enhanced cooperation, information sharing and coordinated enforcement across the EU; |
Or. en
Amendment 158
Markus Ferber, Michalis Hadjipantela
Motion for a resolution
Paragraph 8
| Motion for a resolution | Amendment |
| 8. Welcomes AMLA’s role in strengthening the EU’s fight against money laundering and terrorist financing; calls for consistent implementation, enhanced cooperation, information sharing and coordinated enforcement across the EU; | 8. Welcomes AMLA’s role in strengthening the EU’s fight against money laundering and terrorist financing; calls for consistent implementation, enhanced cooperation, information sharing and coordinated enforcement across the EU; highlights the need for AMLA to adhere to the principle of proportionality in its supervisory and regulatory work; |
Or. en
Amendment 159
Fernando Navarrete Rojas, Isabel Benjumea Benjumea
Motion for a resolution
Paragraph 8
| Motion for a resolution | Amendment |
| 8. Welcomes AMLA’s role in strengthening the EU’s fight against money laundering and terrorist financing; calls for consistent implementation, enhanced cooperation, information sharing and coordinated enforcement across the EU; | 8. Welcomes AMLA’s role in strengthening the EU’s fight against money laundering and terrorist financing; calls for consistent implementation, enhanced cooperation, information sharing and coordinated enforcement across the EU; recalls that a coordinated, simplified and proportionate approach should remain a core guiding principle in AMLA’s Level 2 work; |
Or. en
Amendment 160
Isabel Benjumea Benjumea, Fernando Navarrete Rojas
Motion for a resolution
Paragraph 8
| Motion for a resolution | Amendment |
| 8. Welcomes AMLA’s role in strengthening the EU’s fight against money laundering and terrorist financing; calls for consistent implementation, enhanced cooperation, information sharing and coordinated enforcement across the EU; | 8. Welcomes AMLA’s role in strengthening the EU’s fight against money laundering and terrorist financing; calls for consistent implementation, enhanced cooperation, information sharing and coordinated enforcement across the EU, while preventing unnecessary overlapping regulation and excessive administrative burdens for financial institutions; |
Or. es
Amendment 161
Virginijus Sinkevičius
on behalf of the Verts/ALE Group
Motion for a resolution
Paragraph 8
| Motion for a resolution | Amendment |
| 8. Welcomes AMLA’s role in strengthening the EU’s fight against money laundering and terrorist financing; calls for consistent implementation, enhanced cooperation, information sharing and coordinated enforcement across the EU; | 8. Welcomes AMLA’s role in strengthening the EU’s fight against money laundering and terrorist financing; calls for consistent implementation, enhanced cooperation, information sharing and coordinated enforcement across the EU; stresses the need for an efficient cooperation between AMLA and the European Supervisory Authorities and prudential authorities; |
Or. en
Amendment 162
Dirk Gotink
Motion for a resolution
Paragraph 8 a (new)
| Motion for a resolution | Amendment |
| 8 a. Emphasises the need for simplification of the European regulatory, supervisory and reporting framework for banks, to remove complexity that unnecessarily affects the competitiveness of European banks and their ability to effectively provide services to the real economy; underlines that simplification efforts should not affect the resilience of banks, financial stability or the effectiveness of the resolution framework; |
Or. en
Amendment 163
Fernando Navarrete Rojas, Isabel Benjumea Benjumea
Motion for a resolution
Paragraph 9
| Motion for a resolution | Amendment |
| 9. Underlines that robust, consistent and timely financial reporting is vital for supervision and stability; stresses that simplification must not weaken prudential, consumer protection or stability standards; calls for a balanced and more integrated approach with a common data dictionary and request repository, so as to cut unnecessary complexity while preserving the Banking Union framework’s robustness; | 9. Stresses that regulatory simplification must not weaken prudential, consumer protection or stability standards, but making them more efficient and proportionate for the ultimate purpose; calls on enhancing digital developments, especially AI, for supervisory duties; encourages supervisors and regulators to make a reduction of compliance and reporting costs for regulated entities by more data sharing among different authorities and exploring the possibility of AI to transition from a 'push' model -by which data is regulated from supervised institutions- to a 'pull' model -by which supervisors are granted access to granular level of data by supervised institutions; |
Or. en
Amendment 164
Michalis Hadjipantela
Motion for a resolution
Paragraph 9
| Motion for a resolution | Amendment |
| 9. Underlines that robust, consistent and timely financial reporting is vital for supervision and stability; stresses that simplification must not weaken prudential, consumer protection or stability standards; calls for a balanced and more integrated approach with a common data dictionary and request repository, so as to cut unnecessary complexity while preserving the Banking Union framework’s robustness; | 9. Underlines that robust, consistent and timely financial reporting is vital for supervision and stability; stresses the importance of legal certainty, predictability and stability for the banking sector; in this respect, highlights the need for further measures that promote digitalisation and simplification while maintaining prudential, consumer protection or stability standards; calls for a balanced and more integrated approach such as a centralised data hub, built on standardised definitions and shared across authorities to reduce duplication, improve data quality and ease administrative burden on banks; |
Or. en
Amendment 165
Marlena Maląg
on behalf of the ECR Group
Motion for a resolution
Paragraph 9
| Motion for a resolution | Amendment |
| 9. Underlines that robust, consistent and timely financial reporting is vital for supervision and stability; stresses that simplification must not weaken prudential, consumer protection or stability standards; calls for a balanced and more integrated approach with a common data dictionary and request repository, so as to cut unnecessary complexity while preserving the Banking Union framework’s robustness; | 9. Underlines that robust, consistent and timely financial reporting is vital for supervision and stability; notes, however, the need for simplification, especially for smaller entities; is of the opinion that requirements in this field should be proportionate and adapted to the specificities of the European banking sector; |
Or. en
Amendment 166
Isabel Benjumea Benjumea, Fernando Navarrete Rojas
Motion for a resolution
Paragraph 9
| Motion for a resolution | Amendment |
| 9. Underlines that robust, consistent and timely financial reporting is vital for supervision and stability; stresses that simplification must not weaken prudential, consumer protection or stability standards; calls for a balanced and more integrated approach with a common data dictionary and request repository, so as to cut unnecessary complexity while preserving the Banking Union framework’s robustness; | 9. Underlines that robust, consistent and timely financial reporting is vital for supervision and stability; stresses that simplification must focus on removing duplication and unnecessary complexity, without weakening prudential, consumer protection or stability standards; |
Or. es
Amendment 167
Markus Ferber, Michalis Hadjipantela
Motion for a resolution
Paragraph 9
| Motion for a resolution | Amendment |
| 9. Underlines that robust, consistent and timely financial reporting is vital for supervision and stability; stresses that simplification must not weaken prudential, consumer protection or stability standards; calls for a balanced and more integrated approach with a common data dictionary and request repository, so as to cut unnecessary complexity while preserving the Banking Union framework’s robustness; | 9. Underlines that robust, consistent and timely financial reporting is vital for supervision and stability; calls for a balanced, less burdensome and more integrated approach to supervisory reporting with a common data dictionary and request repository, so as to cut unnecessary complexity while preserving the Banking Union framework’s robustness; |
Or. en
Amendment 168
Gilles Boyer, Stéphanie Yon-Courtin
Motion for a resolution
Paragraph 9
| Motion for a resolution | Amendment |
| 9. Underlines that robust, consistent and timely financial reporting is vital for supervision and stability; stresses that simplification must not weaken prudential, consumer protection or stability standards; calls for a balanced and more integrated approach with a common data dictionary and request repository, so as to cut unnecessary complexity while preserving the Banking Union framework’s robustness; | 9. Underlines that robust, consistent and timely financial reporting is vital for supervision and stability; stresses that simplification must not weaken prudential resilience, consumer protection or stability standards; calls for a balanced and more integrated approach with a common data dictionary and request repository, so as to cut unnecessary complexity while preserving the Banking Union framework’s robustness; |
Or. en
Amendment 169
Michalis Hadjipantela
Motion for a resolution
Paragraph 9 a (new)
| Motion for a resolution | Amendment |
| 9 a. Notes that the banking sector has faced numerous overlapping, fragmented and, at times contradictory rules; welcomes the Commission’s upcoming comprehensive review of the competitiveness of the EU banking sector in 2026; calls on the Commission to reduce unnecessary regulatory burdens on the banking sector so as to not hinder its competitiveness; in this respect, calls on the Commission to introduce competitiveness checks for all new legislation, to streamline legislative processes such as reducing the number of automatic review clauses and a moratorium on non-essential new rules as well as the systematic elimination of redundant reporting or disclosure obligations; |
Or. en
Amendment 170
Fernando Navarrete Rojas, Isabel Benjumea Benjumea
Motion for a resolution
Paragraph 9 a (new)
| Motion for a resolution | Amendment |
| 9 a. Calls on facilitating supervisors to avoid undue limitations to the application of digital innovative tools that can boost productivity and competitiveness overall; encourages to take a principle-based, proportionate approach avoiding drawing barriers to innovation; |
Or. en
Amendment 171
Michalis Hadjipantela
Motion for a resolution
Paragraph 9 b (new)
| Motion for a resolution | Amendment |
| 9 b. Welcomes the European Central Bank High-Level Task Force on Simplification; |
Or. en
Amendment 172
Michalis Hadjipantela
Motion for a resolution
Paragraph 9 c (new)
| Motion for a resolution | Amendment |
| 9 c. Stresses the importance of ensuring proportionality in the EU banking regulatory framework, taking into account the size and complexity of different institutions; underlines the importance of small banks in supporting SMEs and local economies and calls on the Commission that any regulation remains risk-sensitive, balanced and supportive of a diverse and competitive banking sector across the Union; |
Or. en
Amendment 173
Auke Zijlstra, Mireia Borrás Pabón, Sebastian Tynkkynen, Roman Haider, Paolo Borchia
Motion for a resolution
Paragraph 10
| Motion for a resolution | Amendment |
| 10. Recognises the institutional and regulatory progress that has strengthened euro area banks’ resilience; notes that barriers remain to unlocking the full potential of the EU Single Market for financial services; calls on the Commission, Member States and EU bodies to match ambitions with concrete steps to complete the SIU and Single Market, boosting simplification and competitiveness; | 10. Recognises institutional developments in resilience; notes that ongoing regulatory proliferation continues to undermine the true potential of the European banking sector; |
Or. en
Amendment 174
Virginijus Sinkevičius
on behalf of the Verts/ALE Group
Motion for a resolution
Paragraph 10
| Motion for a resolution | Amendment |
| 10. Recognises the institutional and regulatory progress that has strengthened euro area banks’ resilience; notes that barriers remain to unlocking the full potential of the EU Single Market for financial services; calls on the Commission, Member States and EU bodies to match ambitions with concrete steps to complete the SIU and Single Market, boosting simplification and competitiveness; | 10. Recognises the institutional and regulatory progress that has strengthened EU banks’ resilience; notes that barriers remain to unlocking the full potential of the EU Single Market for financial services; calls on the Commission, Member States and EU bodies to match ambitions with concrete steps to complete the SIU and Single Market, in view of unlocking the necessary investments for a just green transition; underlines the importance of the Taxonomy regulation for such an endeavour; |
Or. en
Amendment 175
Gilles Boyer, Stéphanie Yon-Courtin
Motion for a resolution
Paragraph 10
| Motion for a resolution | Amendment |
| 10. Recognises the institutional and regulatory progress that has strengthened euro area banks’ resilience; notes that barriers remain to unlocking the full potential of the EU Single Market for financial services; calls on the Commission, Member States and EU bodies to match ambitions with concrete steps to complete the SIU and Single Market, boosting simplification and competitiveness; | 10. Recognises the institutional and regulatory progress that has strengthened euro area banks’ resilience; notes that significant barriers remain to unlocking the full potential of the EU Single Market for financial services; calls on the Commission, Member States and EU bodies to match ambitions with concrete steps to complete the SIU and Single Market, boosting simplification and competitiveness; calls on the Commission to be ambitious and bold in its 2026 report on the competitiveness of the EU banking sector, going beyond simplification alone and putting forward concrete and actionable proposals to strengthen market integration, the international level playing field and the competitiveness of European banks; |
Or. en
Amendment 176
Dirk Gotink
Motion for a resolution
Paragraph 10 a (new)
| Motion for a resolution | Amendment |
| 10 a. Stresses that, given the ongoing geopolitical uncertainty, potentially overvalued stock markets and recent instances of turmoil in the US following opaque lending in the non-bank (private credit) sector, supervisors should keep a forward-looking perspective and sufficiently monitor risks, and that banks should maintain adequate capital buffers and be operationally resilient; in this respect highlights the need to improve supervision and resilience of non-bank financial intermediaries; highlights that prudent supervision today can protect taxpayers, depositors and the real economy from losses tomorrow; |
Or. en
Amendment 177
Arba Kokalari
Motion for a resolution
Paragraph 10 a (new)
| Motion for a resolution | Amendment |
| 10 a. Encourages the growing use of artificial intelligence by the banking sector, recognising its potential to improve efficiency, innovation and consumer services, and to strengthen fraud prevention; underlines that EU-level regulation must not become an obstacle to technological innovation and adoption in the banking sector by creating uncertainty and confusion among market actors regarding compliant AI use; |
Or. en
Amendment 178
Markus Ferber, Michalis Hadjipantela
Motion for a resolution
Paragraph 10 a (new)
| Motion for a resolution | Amendment |
| 10 a. Welcomes the ECB's report on Simplification of the European prudential regulatory, supervisory and reporting framework of December 2025 and the EBA's report on the efficiency of the regulatory and supervisory framework; calls on the Commission to follow up and further develop the proposals contained in these reports as part of its upcoming review on the competitiveness of the Banking Union; |
Or. en
Amendment 179
Fernando Navarrete Rojas
Motion for a resolution
Paragraph 10 a (new)
| Motion for a resolution | Amendment |
| 10 a. Calls on the ECB to take appropriate measures to remove any obstacle hindering the recovery of short term unsecured interbank markets that have been greatly reduced since the Great Financial Crisis; |
Or. en
Amendment 180
Virginijus Sinkevičius
on behalf of the Verts/ALE Group
Motion for a resolution
Paragraph 10 a (new)
| Motion for a resolution | Amendment |
| 10 a. Considers that the fundamental 'too-big-to-fail' issue has not been properly addressed and that a structural reform is still warranted; |
Or. en
Amendment 181
Markus Ferber, Michalis Hadjipantela
Motion for a resolution
Paragraph 10 b (new)
| Motion for a resolution | Amendment |
| 10 b. Welcomes the Commission's ambition to take stock of the European banking sector’s competitiveness in 2026; calls on the Commission to present an ambitious report that is accompanied by legislative proposals to improve materially the competitiveness of the European banking sector; |
Or. en
Amendment 182
Fernando Navarrete Rojas, Isabel Benjumea Benjumea
Motion for a resolution
Paragraph 10 b (new)
| Motion for a resolution | Amendment |
| 10 b. Encourages the ECB to remove any remaning obstacles that impede cross-border bank mergers, while ensuring financial stability, and helping the integration of the European banking market; |
Or. en
Amendment 183
Markus Ferber, Michalis Hadjipantela
Motion for a resolution
Paragraph 10 c (new)
| Motion for a resolution | Amendment |
| 10 c. Stresses that European banking rules must be better calibrated to the size, business model, complexity and risk profile of institutions; highlights that other major jurisdictions have opted for a dedicated and more proportionate regime for small banks; invites the Commission to use the upcoming banking competitiveness review as an opportunity to develop a genuine small banking regime for small, non-internationally active banks that is materially lighter than the highly complex prudential and supervisory requirements that are currently applied to all European banks and that were primarily designed for large, internationally active and systemically relevant banking groups; |
Or. en
Amendment 184
Fernando Navarrete Rojas, Isabel Benjumea Benjumea
Motion for a resolution
Paragraph 10 c (new)
| Motion for a resolution | Amendment |
| 10 c. Notes that regulation affecting the banking sector could be more proportionate, and regrets the overburden that small banks bear impeding to grow and to be more competitive;encourages to design a completely genuine set of rules for small banks that may opt in; is of the opinion that this proposed 'Small Banking Regime' shall respond to these banks’ needs through a more proportionate regulation as other jurisdictions and global financial centres have already implemented; |
Or. en
Amendment 185
Markus Ferber, Michalis Hadjipantela
Motion for a resolution
Paragraph 10 d (new)
| Motion for a resolution | Amendment |
| 10 d. Notes with concern that banks’ exposures to domestic sovereign debt continue to be very high; recalls that breaking the link between bank and sovereign risk remains a challenge for the Banking Union; emphasises that the risk on banks’ balance sheets can be reduced further through a more appropriate regulatory treatment of sovereign exposures; calls on the Commission to present a legislative proposal introducing appropriate risk weights for sovereign exposures; highlights that rising public debt levels make an appropriate treatment of sovereign exposures more pressing; |
Or. en
Amendment 186
Fernando Navarrete Rojas, Isabel Benjumea Benjumea
Motion for a resolution
Paragraph 10 d (new)
| Motion for a resolution | Amendment |
| 10 d. Encourages to keep advancing on a comprehensive streamlining of the EU financial rulebook with the elimination of redundant reporting or disclosure obligations; calls on a more simplified capital stack reducing the number of overlapping buffers and supervisory add-ons in order to create a clearer and more transparent hierarchy of capital requirements; |
Or. en
Amendment 187
Fernando Navarrete Rojas, Isabel Benjumea Benjumea
Motion for a resolution
Paragraph 10 e (new)
| Motion for a resolution | Amendment |
| 10 e. Points out the fragmentation of the European market for banks that hinders efficiency and creates overlapping regulations and duplicated requirements, also in the area of consumer protection; Stresses the need to complete the Single Market for banks and to reduce the current structural ring-fencing that forces subsidiaries to hold capital and liquidity locally; |
Or. en
Amendment 188
Fernando Navarrete Rojas
Motion for a resolution
Paragraph 10 f (new)
| Motion for a resolution | Amendment |
| 10 f. Calls on the Commission to reflect on whether the role and tasks of the European Banking Authority could be further developed to better take into account the impact of regulatory and supervisory standards on innovation and the international competitiveness of the EU banking sector, without prejudice to its core prudential mandate; stresses that fostering innovation-friendly and proportionate supervisory practices is essential to ensure that the Banking Union remains resilient, competitive and capable of supporting growth in the real economy; |
Or. en
Amendment 189
Fernando Navarrete Rojas, Isabel Benjumea Benjumea
Motion for a resolution
Paragraph 11
| Motion for a resolution | Amendment |
| 11. Notes that SSM banks’ aggregate Common Equity Tier 1 (CET1) ratio reached 16.12 % in Q2 2025, with return on equity (ROE) at 10.11 %, while non-performing loans (NPLs) decreased to 2.22 % and stage 2 loans stand at 9.59 %15 ; emphasises the need to monitor credit risk while maintaining sufficient capital and liquidity for banking sector resilience; | 11. Notes that SSM banks’ aggregate Common Equity Tier 1 (CET1) ratio reached 16.10 % in Q3 2025, with return on equity (ROE) at 9.88 %, while non-performing loans (NPLs) decreased to 2.22 % and stage 2 loans stand at 9.59 % 15 ; emphasises the need to monitor credit risk while maintaining sufficient capital and liquidity for banking sector resilience; |
| _________________ | _________________ |
| 15 ECB, Supervisory banking statistics (Q2 2025). | 15 ECB, Supervisory banking statistics (Q3 2025). |
Or. en
Amendment 190
Virginijus Sinkevičius
on behalf of the Verts/ALE Group
Motion for a resolution
Paragraph 11
| Motion for a resolution | Amendment |
| 11. Notes that SSM banks’ aggregate Common Equity Tier 1 (CET1) ratio reached 16.12 % in Q2 2025, with return on equity (ROE) at 10.11 %, while non-performing loans (NPLs) decreased to 2.22 % and stage 2 loans stand at 9.59 %15 ; emphasises the need to monitor credit risk while maintaining sufficient capital and liquidity for banking sector resilience; | 11. Notes that SSM banks’ aggregate Common Equity Tier 1 (CET1) ratio reached 16.12 % in Q2 2025, with return on equity (ROE) at 10.11 %, while non-performing loans (NPLs) decreased to 2.22 % and stage 2 loans stand at 9.59 %15; emphasises the need to monitor credit risk while maintaining sufficient capital and liquidity for banking sector resilience; highlights that these progress on risk reduction have not been matched by commensurate progress on risk sharing; |
| _________________ | |
| 15 ECB, Supervisory banking statistics (Q2 2025). |
Or. en
Amendment 191
Markus Ferber, Michalis Hadjipantela
Motion for a resolution
Paragraph 11 a (new)
| Motion for a resolution | Amendment |
| 11 a. Highlights adverse macroeconomic conditions and geopolitical headwinds, which might lead to a deterioration in asset quality; therefore, highlights the importance of prudent risk management and appropriate provisioning; |
Or. en
Amendment 192
Marlena Maląg
on behalf of the ECR Group
Motion for a resolution
Paragraph 11 a (new)
| Motion for a resolution | Amendment |
| 11 a. Stresses that the exposure of euro area banks to national sovereign debt remains high and draws attention to the risks involved; recalls that one of the main objectives of the Banking Union is to break the sovereign-bank doomsday loop; |
Or. en
Amendment 193
Virginijus Sinkevičius
on behalf of the Verts/ALE Group
Motion for a resolution
Paragraph 11 a (new)
| Motion for a resolution | Amendment |
| 11 a. Underlines that the Financial Stability Board, the European Systemic Risk Board (ESRB) and other international and European bodies have repeatedly highlighted the risk stemming from the non-banking financial sector, notably due to its increased interconnectedness with the traditional banking sector; supports the Eurosystem’s recommendation of introducing system-wide stress tests for identifying and quantifying risks to the resilience of core markets; urges the Commission to investigate whether there are any gaps in the supervisory toolkit, including in relation to potential liquidity crunches and implications for systemic risk; invites the Commission to propose adequate legislative proposals to safeguard financial stability; |
Or. en
Amendment 194
Marlena Maląg
on behalf of the ECR Group
Motion for a resolution
Paragraph 12
| Motion for a resolution | Amendment |
| 12. Stresses the timely, full and faithful implementation of the Basel III standards to strengthen resilience and competitiveness; deplores deviations and calls on the Commission to review equivalence decisions with jurisdictions not implementing those standards; | 12. Stresses that the Basel III rules should be adapted to the specificities of the European banking sector, taking into account the proportionality criterion and the introduction of simplifications for smaller banks, which is in line with the outcomes of the European Central Bank High-Level Task Force on Simplification, supported by the ECB's Governing Council; |
Or. en
Amendment 195
Markus Ferber, Michalis Hadjipantela
Motion for a resolution
Paragraph 12
| Motion for a resolution | Amendment |
| 12. Stresses the timely, full and faithful implementation of the Basel III standards to strengthen resilience and competitiveness; deplores deviations and calls on the Commission to review equivalence decisions with jurisdictions not implementing those standards; | 12. Stresses the necessity to implement the Basel III standards in a way that takes into account global developments and the need to safeguard the international competitiveness of European banks; notes with concern that other jurisdictions have pursued a less ambitious implementation agenda; stresses that the Commission should evaluate thoroughly whether a delay in implementation is necessary to maintain the international competitiveness of EU banks; |
Or. en
Amendment 196
Angelika Winzig
Motion for a resolution
Paragraph 12
| Motion for a resolution | Amendment |
| 12. Stresses the timely, full and faithful implementation of the Basel III standards to strengthen resilience and competitiveness; deplores deviations and calls on the Commission to review equivalence decisions with jurisdictions not implementing those standards; | 12. Emphasises the need to ensure the implementation of the Basel III standards to strengthen resilience and global competitiveness; notes the continued lack of clarity regarding implementation in some major non-EU jurisdictions and stresses that maintaining financial stability, the integrity of the Basel framework and a level playing field is essential to ensuring long-term competitiveness in an international context; |
Or. en
Amendment 197
Michalis Hadjipantela
Motion for a resolution
Paragraph 12
| Motion for a resolution | Amendment |
| 12. Stresses the timely, full and faithful implementation of the Basel III standards to strengthen resilience and competitiveness; deplores deviations and calls on the Commission to review equivalence decisions with jurisdictions not implementing those standards; | 12. Stresses the timely, full and faithful implementation of the Basel III standards as long as they strengthen resilience and competitiveness; notes with concern that other jurisdictions have pursued a less ambitious agenda, potentially undermining the international level playing field; calls on the Commission to evaluate and ensure the international competitiveness of EU banks without weakening their resilience; |
Or. en
Amendment 198
Fernando Navarrete Rojas, Isabel Benjumea Benjumea
Motion for a resolution
Paragraph 12
| Motion for a resolution | Amendment |
| 12. Stresses the timely, full and faithful implementation of the Basel III standards to strengthen resilience and competitiveness; deplores deviations and calls on the Commission to review equivalence decisions with jurisdictions not implementing those standards; | 12. Stresses the timely, full and faithful implementation of the Basel III standards exclusively to internationally active banks for which those standards were designed, in order to strengthen resilience and competitiveness; deplores deviations; |
Or. en
Amendment 199
Ralf Seekatz
Motion for a resolution
Paragraph 12
| Motion for a resolution | Amendment |
| 12. Stresses the timely, full and faithful implementation of the Basel III standards to strengthen resilience and competitiveness; deplores deviations and calls on the Commission to review equivalence decisions with jurisdictions not implementing those standards; | 12. Stresses the timely, and faithful implementation of the Basel III standards to strengthen resilience and competitiveness; notes the current lack of clarity concerning the implementation of the Basel III standards in some other jurisdictions and the potential risk for an international level playing field; stresses that the Commission should evaluate whether targeted changes could help to maintain the international competitiveness of EU banks without weakening their resilience; calls on the Commission to assess whether the equivalence decisions taken with the jurisdictions not implementing the Basel III standards need to be reviewed in order to preserve the financial stability of the EU financial sector; |
Or. en
Amendment 200
Marco Falcone, Fulvio Martusciello, Herbert Dorfmann
Motion for a resolution
Paragraph 12
| Motion for a resolution | Amendment |
| 12. Stresses the timely, full and faithful implementation of the Basel III standards to strengthen resilience and competitiveness; deplores deviations and calls on the Commission to review equivalence decisions with jurisdictions not implementing those standards; | 12. Stresses that timely, full and faithful implementation of the Basel III standards will strengthen resilience and competitiveness; deplores deviations and calls on the Commission to reassess equivalence decisions with the jurisdictions not implementing those standards; stresses, at the same time, that implementation of the Basel III standards should maintain a global level playing field, while avoiding gold-plating by national authorities in the implementation of EU Level 3 rules and preventing unintended impacts on the ability of EU banks to finance the real economy; welcomes, in this context, the Commission's initiative to publish a report on the competitiveness and integration of the EU banking sector, and calls for concrete proposals to support banks’ lending capacity, in particular to households and SMEs and for productive private and public investments, including, where appropriate, measures to support the efficient use of low-risk and short-term financing instruments such as factoring and trade finance; |
Or. it
Amendment 201
Gilles Boyer, Stéphanie Yon-Courtin
Motion for a resolution
Paragraph 12
| Motion for a resolution | Amendment |
| 12. Stresses the timely, full and faithful implementation of the Basel III standards to strengthen resilience and competitiveness; deplores deviations and calls on the Commission to review equivalence decisions with jurisdictions not implementing those standards; | 12. Stresses that financial stability is a prerequisite for effective monetary policy and a resilient financial system; welcomes the finalisation and implementation of the Basel III framework which will strengthen resilience and competitiveness in the EU; underlines the continued lack of clarity concerning implementation of the Basel III standards in some other jurisdictions and the risk of international level playing field issues that this could create; highlights the importance of ensuring the right balance between financial stability, the respect of international frameworks and an international level playing field to ensure that European banks are able to compete on an equal footing with banks from other jurisdictions; underlines the importance of taking European specificities into account in order to ensure a competitive European banking sector; underlines the importance of a consistent and internationally aligned implementation of the Fundamental Review of the Trading Book (FRTB); |
Or. en
Amendment 202
Isabel Benjumea Benjumea, Fernando Navarrete Rojas
Motion for a resolution
Paragraph 12
| Motion for a resolution | Amendment |
| 12. Stresses the timely, full and faithful implementation of the Basel III standards to strengthen resilience and competitiveness; deplores deviations and calls on the Commission to review equivalence decisions with jurisdictions not implementing those standards; | 12. Stresses the timely, full and faithful implementation of the Basel III standards to strengthen resilience and competitiveness; calls on the Commission to carry out a consistent, risk-based assessment of equivalence decisions with jurisdictions not implementing those standards, while safeguarding global competition conditions; |
Or. es
Amendment 203
Virginijus Sinkevičius
on behalf of the Verts/ALE Group
Motion for a resolution
Paragraph 12
| Motion for a resolution | Amendment |
| 12. Stresses the timely, full and faithful implementation of the Basel III standards to strengthen resilience and competitiveness; deplores deviations and calls on the Commission to review equivalence decisions with jurisdictions not implementing those standards; | 12. Stresses the timely, full and faithful implementation of the Basel III standards to strengthen resilience and competitiveness, including the fundamental review of the trading book (FRTB); recalls that the SSM repeated several times that the implementation of FRTB would strengthen EU banks’ resilience and would not undermine their competitiveness; deplores deviations and calls on the Commission to review equivalence decisions with jurisdictions not implementing those standards; stresses that until now the EU is less compliant with Basel than some of its international peers; considers that lack of implementation in other international jurisdictions increase the risks faced by EU banks and that this should be adequately considered in the supervisory framework; |
Or. en
Amendment 204
Auke Zijlstra, Sebastian Tynkkynen
Motion for a resolution
Paragraph 12
| Motion for a resolution | Amendment |
| 12. Stresses the timely, full and faithful implementation of the Basel III standards to strengthen resilience and competitiveness; deplores deviations and calls on the Commission to review equivalence decisions with jurisdictions not implementing those standards; | 12. Stresses the timely, full and faithful implementation of the Basel III standards to strengthen resilience and competitiveness; deplores deviations and calls on the Commission to review equivalence decisions with jurisdictions not implementing those standards; underscores that EU deviations from full Basel III implementation, including phased-in adjustments and postponed market risk rules, harm both competitiveness and financial stability by enabling regulatory arbitrage and inconsistent risk weighting; these deviations should be urgently eliminated to align EU banks with global peers; |
Or. en
Amendment 205
Jussi Saramo, Manon Aubry
Motion for a resolution
Paragraph 12 a (new)
| Motion for a resolution | Amendment |
| 12 a. Notes that banks are increasingly exposed to non-bank financial intermediaries (NBFIs), giving rise to a wide range of risks, ranging from liquidity to counterparty risks; emphasises the need for comprehensive European supervision of the NBFI sector; |
Or. en
Amendment 206
Virginijus Sinkevičius
on behalf of the Verts/ALE Group
Motion for a resolution
Paragraph 12 a (new)
| Motion for a resolution | Amendment |
| 12 a. Takes note of the ECB findings that high capital requirements do not hamper banks’ competitiveness, but rather ensure banks’ resilience and ability to finance the economy throughout the cycle; |
Or. en
Amendment 207
Isabel Benjumea Benjumea
Motion for a resolution
Paragraph 13
| Motion for a resolution | Amendment |
| 13. Regrets the increasing number of bank branch closures, affecting vulnerable and peripheral communities; underlines smaller banks’ role in access to services to households; notes with concern AI-related job losses; stresses the need to safeguard job quality, fair conditions and equitable banking access; | deleted |
Or. es
Amendment 208
Fernando Navarrete Rojas, Isabel Benjumea Benjumea
Motion for a resolution
Paragraph 13
| Motion for a resolution | Amendment |
| 13. Regrets the increasing number of bank branch closures, affecting vulnerable and peripheral communities; underlines smaller banks’ role in access to services to households; notes with concern AI-related job losses; stresses the need to safeguard job quality, fair conditions and equitable banking access; | 13. Notes the increasing number of bank branch closures; underlines smaller banks’ role in access to services to households and local businesses; stresses the need to tailor supervisory and prudential regulation to the size, complexity and risk profile of smaller banks, in line with the principle of proportionality, in order to remove undue regulatory burdens that hinder their ability to grow, compete and keep serving the real economy; |
Or. en
Amendment 209
Gilles Boyer, Stéphanie Yon-Courtin
Motion for a resolution
Paragraph 13
| Motion for a resolution | Amendment |
| 13. Regrets the increasing number of bank branch closures, affecting vulnerable and peripheral communities; underlines smaller banks’ role in access to services to households; notes with concern AI-related job losses; stresses the need to safeguard job quality, fair conditions and equitable banking access; | 13. Notes the increasing number of bank branch closures, which are taking place to a varying extent in different Member States; acknowledges the potential significant impacts these closures can have on vulnerable and peripheral communities, while also underlining examples of innovation which is enabling some users to have enhanced services at a distance thanks to technological developments; recalls examples of different banks working together to provide physical banking services to customers despite some bank branch closures, in both rural and urban areas; underlines smaller banks’ role in access to services to households; underlines the contributions of larger banks to the competitiveness and the financing of the European economy; notes with concern AI-related job losses and the potential dangers associated to AI leading to risk concentration on banks’ balance sheets; stresses the need to safeguard high quality risk management, job quality, fair conditions and equitable banking access; |
Or. en
Amendment 210
Markus Ferber, Michalis Hadjipantela
Motion for a resolution
Paragraph 13
| Motion for a resolution | Amendment |
| 13. Regrets the increasing number of bank branch closures, affecting vulnerable and peripheral communities; underlines smaller banks’ role in access to services to households; notes with concern AI-related job losses; stresses the need to safeguard job quality, fair conditions and equitable banking access; | 13. Regrets the increasing number of bank branch closures, affecting vulnerable and peripheral communities; highlights that this trend is at least partially due to excessive regulatory burdens; underlines smaller banks’ role in providing access to services to households and stresses the need to further develop the small banking regime; |
Or. en
Amendment 211
Virginijus Sinkevičius
on behalf of the Verts/ALE Group
Motion for a resolution
Paragraph 13
| Motion for a resolution | Amendment |
| 13. Regrets the increasing number of bank branch closures, affecting vulnerable and peripheral communities; underlines smaller banks’ role in access to services to households; notes with concern AI-related job losses; stresses the need to safeguard job quality, fair conditions and equitable banking access; | 13. Regrets the increasing number of bank branch closures, affecting vulnerable and peripheral communities; recalls the citizens’ rights to access basic financial services; underlines smaller banks’ role in access to services to households; highlights that the diversity of banking business models enhances the resilience of the financial system; notes with concern AI-related job losses; calls on credit institutions to implement reskilling policies and ensure human oversight in automated-decisions; stresses the need to safeguard job quality, fair conditions and equitable banking access; |
Or. en
Amendment 212
Michalis Hadjipantela
Motion for a resolution
Paragraph 13
| Motion for a resolution | Amendment |
| 13. Regrets the increasing number of bank branch closures, affecting vulnerable and peripheral communities; underlines smaller banks’ role in access to services to households; notes with concern AI-related job losses; stresses the need to safeguard job quality, fair conditions and equitable banking access; | 13. Regrets the increasing number of bank branch closures in rural areas, affecting vulnerable communities; underlines smaller banks’ role in access to services to households; highlights the importance of digitalisation and artificial intelligence in strengthening the effectiveness of the banking sector such as streamlining operations, reducing costs and improving the speed and quality of customer service whilst ensuring job quality, fair conditions and equitable banking access; |
Or. en
Amendment 213
Herbert Dorfmann, Marco Falcone
Motion for a resolution
Paragraph 13
| Motion for a resolution | Amendment |
| 13. Regrets the increasing number of bank branch closures, affecting vulnerable and peripheral communities; underlines smaller banks’ role in access to services to households; notes with concern AI-related job losses; stresses the need to safeguard job quality, fair conditions and equitable banking access; | 13. Regrets the increasing number of bank branch closures, affecting vulnerable and peripheral communities, due, inter alia, to increasing regulatory burdens; underlines smaller banks’ role in access to services to households; notes with concern AI-related job losses; stresses the need to safeguard job quality, fair conditions and equitable banking access; welcomes the approach to implement a small banking regime; |
Or. en
Amendment 214
Ralf Seekatz
Motion for a resolution
Paragraph 13
| Motion for a resolution | Amendment |
| 13. Regrets the increasing number of bank branch closures, affecting vulnerable and peripheral communities; underlines smaller banks’ role in access to services to households; notes with concern AI-related job losses; stresses the need to safeguard job quality, fair conditions and equitable banking access; | 13. Regrets the increasing number of bank branch closures, affecting vulnerable and peripheral communities, partly because of increasing regulatory burdens; underlines smaller banks’ role in access to services to households; notes with concern AI-related job losses; stresses the need to safeguard job quality, fair conditions and equitable banking access; welcomes the approach to implement a small banking regime; |
Or. en
Amendment 215
Engin Eroglu
Motion for a resolution
Paragraph 13
| Motion for a resolution | Amendment |
| 13. Regrets the increasing number of bank branch closures, affecting vulnerable and peripheral communities; underlines smaller banks’ role in access to services to households; notes with concern AI-related job losses; stresses the need to safeguard job quality, fair conditions and equitable banking access; | 13. Regrets the increasing number of bank branch closures, partly driven by rising regulatory burdens; in this context, welcomes the approach to implement a small banking regime; also notes that these closures are disproportionately affecting vulnerable and peripheral communities; underlines smaller banks’ role in access to services to households; notes with concern AI-related job losses; stresses the need to safeguard job quality, fair conditions and equitable banking access; |
Or. en
Amendment 216
Marco Falcone, Fulvio Martusciello, Herbert Dorfmann
Motion for a resolution
Paragraph 13 a (new)
| Motion for a resolution | Amendment |
| 13a. Emphasises the seriousness of the burgeoning phenomenon of bank branch closures and the consequent risk of ‘bank desertification’, which particularly affects the most vulnerable citizens and areas of the EU most affected by the digital divide; stresses the vital role of medium and small banks in ensuring basic banking services, especially in rural, mountainous, inland, island and outermost areas of the EU, in support of families, SMEs and local economies; highlights the need to reduce the regulatory burden on these entities, which serve an important socio-economic function, by applying the principle of proportionality in banking supervision; |
Or. it
Amendment 217
Isabel Benjumea Benjumea, Fernando Navarrete Rojas
Motion for a resolution
Paragraph 13 a (new)
| Motion for a resolution | Amendment |
| 13a. Recognises the structural changes in banking business models, including those stemming from digitisation, and emphasises the importance of ensuring families and SMEs continue to have access to basic financial services; stresses the role that can be played by smaller institutions and new digital channels in that context; points out that the uptake of new technologies, including artificial intelligence, should be managed responsibly, with a push to adapt skills and improve productivity without hindering innovation or the competitiveness of Europe’s financial sector; |
Or. es
Amendment 218
Marco Falcone, Fulvio Martusciello, Herbert Dorfmann
Motion for a resolution
Paragraph 13 b (new)
| Motion for a resolution | Amendment |
| 13b. Calls on the Commission to consider the possibility of initiatives aimed at guaranteeing minimum levels of physical access to financial services, in a uniform manner throughout the Member States, and to assess whether to allocate a proportion of the increases in profitability to support the network of branch banks in response to the phenomenon of bank desertification; |
Or. it
Amendment 219
Fernando Navarrete Rojas, Isabel Benjumea Benjumea
Motion for a resolution
Paragraph 14
| Motion for a resolution | Amendment |
| 14. Acknowledges crypto-assets’ risks and opportunities; calls for consistent supervision to ensure that innovation serves the public; calls for EU and national authorities to monitor exposures, address speculative risks, combat financial crime and protect consumers; | 14. Acknowledges tokenisation of financial assets’ risks and opportunities; calls for a principle-based and proportionate approach to regulation and supervision that do not hinder innovation; calls for EU and national authorities to monitor exposures, address speculative risks, combat financial crime and protect consumers; |
Or. en
Amendment 220
Aurore Lalucq
Motion for a resolution
Paragraph 14
| Motion for a resolution | Amendment |
| 14. Acknowledges crypto-assets’ risks and opportunities; calls for consistent supervision to ensure that innovation serves the public; calls for EU and national authorities to monitor exposures, address speculative risks, combat financial crime and protect consumers; | 14. Emphasis crypto-assets’ risks; calls for consistent supervision to ensure that innovation serves the public; calls for EU and national authorities to monitor exposures, address risks, counter speculative behaviours, combat financial crime and protect consumers; |
Or. en
Amendment 221
Virginijus Sinkevičius
on behalf of the Verts/ALE Group
Motion for a resolution
Paragraph 14
| Motion for a resolution | Amendment |
| 14. Acknowledges crypto-assets’ risks and opportunities; calls for consistent supervision to ensure that innovation serves the public; calls for EU and national authorities to monitor exposures, address speculative risks, combat financial crime and protect consumers; | 14. Underlines the specific risks posed by crypto-assets’; recalls that crypto-assets are highly volatile and unproductive assets mostly used for speculative purposes; calls for consistent supervision to ensure that innovation serves the public; calls for EU and national authorities to monitor exposures, address speculative risks, combat financial crime and protect consumers; |
Or. en
Amendment 222
Markus Ferber, Michalis Hadjipantela
Motion for a resolution
Paragraph 14
| Motion for a resolution | Amendment |
| 14. Acknowledges crypto-assets’ risks and opportunities; calls for consistent supervision to ensure that innovation serves the public; calls for EU and national authorities to monitor exposures, address speculative risks, combat financial crime and protect consumers; | 14. Acknowledges crypto-assets’ risks and opportunities; calls for consistent and innovation-friendly supervision ; calls for EU and national authorities to monitor exposures, address speculative risks, combat financial crime and protect consumers; |
Or. en
Amendment 223
Marlena Maląg
on behalf of the ECR Group
Motion for a resolution
Paragraph 14
| Motion for a resolution | Amendment |
| 14. Acknowledges crypto-assets’ risks and opportunities; calls for consistent supervision to ensure that innovation serves the public; calls for EU and national authorities to monitor exposures, address speculative risks, combat financial crime and protect consumers; | 14. Acknowledges crypto-assets’ risks and opportunities; calls for sound supervision to ensure that innovation serves the public; calls for EU and national authorities to monitor exposures, address speculative risks, combat financial crime and protect consumers; |
Or. en
Amendment 224
Gilles Boyer, Stéphanie Yon-Courtin
Motion for a resolution
Paragraph 14
| Motion for a resolution | Amendment |
| 14. Acknowledges crypto-assets’ risks and opportunities; calls for consistent supervision to ensure that innovation serves the public; calls for EU and national authorities to monitor exposures, address speculative risks, combat financial crime and protect consumers; | 14. Acknowledges crypto-assets’ risks and opportunities; calls for consistent supervision to ensure that innovation serves the public; calls for EU and national authorities to monitor exposures, address speculative risks, combat financial crime and protect consumers; underlines the importance of global standards in this field and the need to explore ways to foster the development of euro-denominated stablecoins to preserve the EU’s monetary sovereignty; |
Or. en
Amendment 225
Aurore Lalucq, Evelyn Regner
Motion for a resolution
Paragraph 14 a (new)
| Motion for a resolution | Amendment |
| 14 a. Calls on the Commission, the EBA and national competent authorities within the Banking Union to ensure the strict, consistent and faithful implementation and enforcement of Regulation (EU) 2023/1114 (MiCA) as a necessary complement to the Union’s bank-based financial stability framework; |
Or. en
Amendment 226
Jussi Saramo, Manon Aubry
Motion for a resolution
Paragraph 14 a (new)
| Motion for a resolution | Amendment |
| 14 a. Recognises the risks posed to EU banks by third-country multi-issuance stablecoins and that regulatory arbitrage between jurisdictions could potentially lead to runs on EU banks and have spillover effects; |
Or. en
Amendment 227
Aurore Lalucq, Evelyn Regner
Motion for a resolution
Paragraph 14 b (new)
| Motion for a resolution | Amendment |
| 14 b. Calls on the Commission, the EBA and national competent authorities to duly take into account opinions, advices and recommendations from the ECB and the ESRB; |
Or. en
Amendment 228
Aurore Lalucq, Evelyn Regner
Motion for a resolution
Paragraph 14 c (new)
| Motion for a resolution | Amendment |
| 14 c. Stresses that any supervisory leniency, fragmentation or exemptions in the application of MiCA would increase the risk of runs on stablecoins and of contagion to banks, sovereign debt markets and payment systems within the Banking Union; |
Or. en
Amendment 229
Auke Zijlstra, Sebastian Tynkkynen, Roman Haider, Pierre Pimpie
Motion for a resolution
Paragraph 15
| Motion for a resolution | Amendment |
| 15. Welcomes the crisis management and deposit insurance (CMDI) reform for coherent crisis management and deposit insurance, strengthening stability, protecting savings and taxpayers; emphasises the need for flexibility for smaller banks and for the authorities to have effective tools to ensure a resilient and socially responsible Banking Union; | 15. Expresses concern about the CMDI reform as it currently stands; rejects any design that masks underlying insolvency risks via complex backstops and risk sharing, and criticises the very notion of mutualising losses across Member States, which would essentially socialise bank risks and reduce market discipline; the current CMDI framework should not justify premature expansion of cross-border risk sharing without clear exit and accountability mechanisms; |
Or. en
Amendment 230
Markus Ferber, Michalis Hadjipantela
Motion for a resolution
Paragraph 15
| Motion for a resolution | Amendment |
| 15. Welcomes the crisis management and deposit insurance (CMDI) reform for coherent crisis management and deposit insurance, strengthening stability, protecting savings and taxpayers; emphasises the need for flexibility for smaller banks and for the authorities to have effective tools to ensure a resilient and socially responsible Banking Union; | 15. Takes note of the reform of the crisis management and deposit insurance (CMDI) framework to improve crisis management and deposit insurance, strengthening stability, protecting savings and taxpayers; emphasises the need for flexibility for small and medium-sized banks and for the authorities to have effective tools to ensure a resilient Banking Union; highlights that resolution should only be the default option for those banks whose failure would have financial stability implication and that insolvency therefore remains the default for small and medium-sized banks; |
Or. en
Amendment 231
Dirk Gotink
Motion for a resolution
Paragraph 15
| Motion for a resolution | Amendment |
| 15. Welcomes the crisis management and deposit insurance (CMDI) reform for coherent crisis management and deposit insurance, strengthening stability, protecting savings and taxpayers; emphasises the need for flexibility for smaller banks and for the authorities to have effective tools to ensure a resilient and socially responsible Banking Union; | 15. Welcomes the crisis management and deposit insurance (CMDI) reform for coherent crisis management and deposit insurance, strengthening stability, protecting savings and taxpayers; emphasises the need for flexibility for smaller banks and for the authorities to have effective tools to respond to bank failures and safeguard financial stability, including in a systemic scenario; reiterates that the objective of bank resolution is to protect financial stability and ensure critical functions of banks, and not to bail-out creditors or shareholders; stresses that resolving a failing bank through normal insolvency proceedings should remain the standard for banks that are not systemically important and if this most effectively protects the critical functions of a bank; |
Or. en
Amendment 232
Virginijus Sinkevičius
on behalf of the Verts/ALE Group
Motion for a resolution
Paragraph 15
| Motion for a resolution | Amendment |
| 15. Welcomes the crisis management and deposit insurance (CMDI) reform for coherent crisis management and deposit insurance, strengthening stability, protecting savings and taxpayers; emphasises the need for flexibility for smaller banks and for the authorities to have effective tools to ensure a resilient and socially responsible Banking Union; | 15. Welcomes the crisis management and deposit insurance (CMDI) reform for coherent crisis management and deposit insurance, strengthening stability, protecting savings and taxpayers; emphasises the need for the authorities to have effective and proportionate tools to ensure a resilient and socially responsible Banking Union; |
Or. en
Amendment 233
Michalis Hadjipantela
Motion for a resolution
Paragraph 15
| Motion for a resolution | Amendment |
| 15. Welcomes the crisis management and deposit insurance (CMDI) reform for coherent crisis management and deposit insurance, strengthening stability, protecting savings and taxpayers; emphasises the need for flexibility for smaller banks and for the authorities to have effective tools to ensure a resilient and socially responsible Banking Union; | 15. Welcomes the crisis management and deposit insurance (CMDI) reform for coherent crisis management and deposit insurance, strengthening stability, protecting savings and taxpayers; emphasises the need for flexibility for smaller banks and for the authorities to have effective tools, supported by a regulatory framework that fosters banks' development and contributes to a resilient and financially stable Banking Union; |
Or. en
Amendment 234
Isabel Benjumea Benjumea, Fernando Navarrete Rojas
Motion for a resolution
Paragraph 15
| Motion for a resolution | Amendment |
| 15. Welcomes the crisis management and deposit insurance (CMDI) reform for coherent crisis management and deposit insurance, strengthening stability, protecting savings and taxpayers; emphasises the need for flexibility for smaller banks and for the authorities to have effective tools to ensure a resilient and socially responsible Banking Union; | 15. Welcomes the crisis management and deposit insurance (CMDI) reform for coherent crisis management and deposit insurance, strengthening stability, protecting savings and taxpayers; emphasises the need for flexibility for smaller banks and for the authorities to have effective tools to ensure a resilient Banking Union; |
Or. es
Amendment 235
Gilles Boyer, Stéphanie Yon-Courtin
Motion for a resolution
Paragraph 15
| Motion for a resolution | Amendment |
| 15. Welcomes the crisis management and deposit insurance (CMDI) reform for coherent crisis management and deposit insurance, strengthening stability, protecting savings and taxpayers; emphasises the need for flexibility for smaller banks and for the authorities to have effective tools to ensure a resilient and socially responsible Banking Union; | 15. Welcomes the crisis management and deposit insurance (CMDI) reform for coherent crisis management and deposit insurance, strengthening stability, protecting savings and taxpayers and ensuring a better use of public money for resolution when in the public interest; emphasises the importance of a clear regulatory framework and for the authorities to have effective tools, data and decision-making mechanisms to ensure a resilient and socially responsible Banking Union; |
Or. en
Amendment 236
Ralf Seekatz
Motion for a resolution
Paragraph 15
| Motion for a resolution | Amendment |
| 15. Welcomes the crisis management and deposit insurance (CMDI) reform for coherent crisis management and deposit insurance, strengthening stability, protecting savings and taxpayers; emphasises the need for flexibility for smaller banks and for the authorities to have effective tools to ensure a resilient and socially responsible Banking Union; | 15. Welcomes the crisis management and deposit insurance (CMDI) reform for coherent crisis management and deposit insurance, strengthening stability, protecting savings and taxpayers; emphasises the need for flexibility for smaller and medium-sized banks, for which the resolution framework will often not be the most appropriate tool and for which liquidation in an ordinary insolvency proceeding remains the preferred option, and for the authorities to have effective tools to ensure a resilient and socially responsible Banking Union; |
Or. en
Amendment 237
Herbert Dorfmann, Marco Falcone
Motion for a resolution
Paragraph 15
| Motion for a resolution | Amendment |
| 15. Welcomes the crisis management and deposit insurance (CMDI) reform for coherent crisis management and deposit insurance, strengthening stability, protecting savings and taxpayers; emphasises the need for flexibility for smaller banks and for the authorities to have effective tools to ensure a resilient and socially responsible Banking Union; | 15. Welcomes the crisis management and deposit insurance (CMDI) reform for coherent crisis management and deposit insurance, strengthening stability, protecting savings and taxpayers; emphasises the need for flexibility for smaller and medium-sized banks, for which the resolution framework will often not be the most appropriate tool and for which liquidation in an ordinary insolvency proceeding remains the preferred option, and for the authorities to have effective tools to ensure a resilient and socially responsible Banking Union; |
Or. en
Amendment 238
Fernando Navarrete Rojas, Isabel Benjumea Benjumea
Motion for a resolution
Paragraph 15
| Motion for a resolution | Amendment |
| 15. Welcomes the crisis management and deposit insurance (CMDI) reform for coherent crisis management and deposit insurance, strengthening stability, protecting savings and taxpayers; emphasises the need for flexibility for smaller banks and for the authorities to have effective tools to ensure a resilient and socially responsible Banking Union; | 15. Welcomes the crisis management and deposit insurance (CMDI) reform for coherent crisis management and deposit insurance, strengthening stability, protecting savings and taxpayers; emphasises the need for flexibility for smaller banks and for the authorities to have effective tools to ensure a resilient and socially responsible Banking Union; stresses the need to facilitate the use of deposit insurance funds for resolution; |
Or. en
Amendment 239
Fernando Navarrete Rojas, Isabel Benjumea Benjumea
Motion for a resolution
Paragraph 15 a (new)
| Motion for a resolution | Amendment |
| 15 a. Welcomes the proposal for a Directive of the European Parliament and of the Council harmonising certain aspects of insolvency law as further alignment of insolvency laws and restructuring procedures could foster the completion of the Banking Union; |
Or. en
Amendment 240
Fernando Navarrete Rojas, Isabel Benjumea Benjumea
Motion for a resolution
Paragraph 16
| Motion for a resolution | Amendment |
| 16. Stresses that, in the event of bank failures, shareholders, creditors or industry-funded mechanisms should be held accountable first, and public funds should only be used as a last resort, in line with fiscal responsibility, social justice and market discipline; | 16. Stresses the need for a continuous and effective supervision of the compliance with prudential and resolution rules that ensure the credibility and effective execution of the bail-in tools in case of bank failures; stresses that bailing financial institutions out with public funds must remain strictly a last resort option, in order to preserve fiscal responsibility, protect taxpayers and uphold market discipline; |
Or. en
Amendment 241
Isabel Benjumea Benjumea, Fernando Navarrete Rojas
Motion for a resolution
Paragraph 16
| Motion for a resolution | Amendment |
| 16. Stresses that, in the event of bank failures, shareholders, creditors or industry-funded mechanisms should be held accountable first, and public funds should only be used as a last resort, in line with fiscal responsibility, social justice and market discipline; | 16. Stresses that, in the event of bank failures, shareholders, creditors or industry-funded mechanisms should take the losses first, in line with the principle of accountability and market discipline; emphasises that public funds should only be considered as a last resort and in exceptional circumstances, in order to protect taxpayers and preserve financial stability; |
Or. es
Amendment 242
Ralf Seekatz
Motion for a resolution
Paragraph 16
| Motion for a resolution | Amendment |
| 16. Stresses that, in the event of bank failures, shareholders, creditors or industry-funded mechanisms should be held accountable first, and public funds should only be used as a last resort, in line with fiscal responsibility, social justice and market discipline; | 16. Stresses that, in the event of bank failures, the bail-in of shareholders and creditors should be held accountable first being the main source for resolution financing before any use of industry-funded mechanisms as second line of defence, while public funds should only be used as a last resort, in line with fiscal responsibility, social justice and market discipline; |
Or. en
Amendment 243
Michalis Hadjipantela
Motion for a resolution
Paragraph 16
| Motion for a resolution | Amendment |
| 16. Stresses that, in the event of bank failures, shareholders, creditors or industry-funded mechanisms should be held accountable first, and public funds should only be used as a last resort, in line with fiscal responsibility, social justice and market discipline; | 16. Stresses that, in the event of bank failures, shareholders, creditors or industry-funded mechanisms should be held accountable first, and public funds should only be used as a last resort because reliance on taxpayer money for the resolution of banks must be avoided, in line with fiscal responsibility and market discipline; |
Or. en
Amendment 244
Markus Ferber, Michalis Hadjipantela
Motion for a resolution
Paragraph 16
| Motion for a resolution | Amendment |
| 16. Stresses that, in the event of bank failures, shareholders, creditors or industry-funded mechanisms should be held accountable first, and public funds should only be used as a last resort, in line with fiscal responsibility, social justice and market discipline; | 16. Stresses that, in the event of bank failures, shareholders, creditors or industry-funded mechanisms should be held accountable first, and public funds should only be used as a last resort, in line with fiscal responsibility and market discipline; |
Or. en
Amendment 245
Virginijus Sinkevičius
on behalf of the Verts/ALE Group
Motion for a resolution
Paragraph 16
| Motion for a resolution | Amendment |
| 16. Stresses that, in the event of bank failures, shareholders, creditors or industry-funded mechanisms should be held accountable first, and public funds should only be used as a last resort, in line with fiscal responsibility, social justice and market discipline; | 16. Stresses that, in the event of bank failures, shareholders, creditors or industry-funded mechanisms must be held accountable first, and public funds should only be used as a last resort, in line with fiscal responsibility, social justice and market discipline; |
Or. en
Amendment 246
Isabel Benjumea Benjumea, Fernando Navarrete Rojas
Motion for a resolution
Paragraph 17
| Motion for a resolution | Amendment |
| 17. Recalls that a sufficient minimum requirement for own funds and eligible liabilities (MREL) is essential for a credible resolution framework and for providing authorities the flexibility to apply appropriate resolution strategies in a crisis; | 17. Recalls that a sufficient minimum requirement for own funds and eligible liabilities (MREL) is essential for a credible resolution framework and for providing authorities the flexibility to effectively apply resolution strategies in crisis situations, protecting market discipline; |
Or. es
Amendment 247
Michalis Hadjipantela
Motion for a resolution
Paragraph 17
| Motion for a resolution | Amendment |
| 17. Recalls that a sufficient minimum requirement for own funds and eligible liabilities (MREL) is essential for a credible resolution framework and for providing authorities the flexibility to apply appropriate resolution strategies in a crisis; | 17. Recalls that a sufficient minimum requirement for own funds and eligible liabilities (MREL) is essential for a credible resolution framework and for providing authorities the flexibility to apply appropriate resolution strategies in a crisis; stresses that MREL requirements should be tailored to each bank’s actual resolution strategy, particularly when transfer tools are used alongside bail-in mechanisms, in order to provide legal clarity and ensure proportionality; |
Or. en
Amendment 248
Ralf Seekatz
Motion for a resolution
Paragraph 17
| Motion for a resolution | Amendment |
| 17. Recalls that a sufficient minimum requirement for own funds and eligible liabilities (MREL) is essential for a credible resolution framework and for providing authorities the flexibility to apply appropriate resolution strategies in a crisis; | 17. Recalls that a sufficient minimum requirement for own funds and eligible liabilities (MREL) is essential for a credible resolution framework and for providing authorities the flexibility to apply appropriate resolution strategies in a crisis; underlines that the availability of sufficient MREL and collateral in resolution is a precondition for banks’ resolvability and that MREL should be set in a highly prudent manner; |
Or. en
Amendment 249
Dirk Gotink
Motion for a resolution
Paragraph 17
| Motion for a resolution | Amendment |
| 17. Recalls that a sufficient minimum requirement for own funds and eligible liabilities (MREL) is essential for a credible resolution framework and for providing authorities the flexibility to apply appropriate resolution strategies in a crisis; | 17. Recalls that a sufficient minimum requirement for own funds and eligible liabilities (MREL) is essential for a credible resolution framework and for providing authorities the flexibility to apply appropriate resolution strategies in a crisis; underlines that this minimum requirement should be sufficient to effectively implement any of the resolution strategies included in a bank’s resolution plan; |
Or. en
Amendment 250
Dirk Gotink
Motion for a resolution
Paragraph 17 a (new)
| Motion for a resolution | Amendment |
| 17 a. Stresses that if a bank’s eligible liabilities are issued to non-EU investors, the write-down or conversion of these liabilities should be enforceable with full certainty to safeguard the effective application of resolution tools; |
Or. en
Amendment 251
Gilles Boyer, Stéphanie Yon-Courtin
Motion for a resolution
Paragraph 18
| Motion for a resolution | Amendment |
| 18. Recalls that banks must continue essential services after resolution; stresses the need for a clear, predictable framework that protects depositors and supports smaller clients and SMEs; | 18. Recalls that banks must continue essential services after resolution; stresses the need for a clear, predictable framework that protects depositors and supports clients and businesses, including SMEs; |
Or. en
Amendment 252
Dirk Gotink
Motion for a resolution
Paragraph 18
| Motion for a resolution | Amendment |
| 18. Recalls that banks must continue essential services after resolution; stresses the need for a clear, predictable framework that protects depositors and supports smaller clients and SMEs; | 18. Recalls that banks must continue essential services during resolution; stresses the need for a clear, predictable framework that protects depositors and supports smaller clients and SMEs; |
Or. en
Amendment 253
Auke Zijlstra, Mireia Borrás Pabón, Sebastian Tynkkynen, Roman Haider, Paolo Borchia
Motion for a resolution
Paragraph 19
| Motion for a resolution | Amendment |
| 19. Welcomes the Single Resolution Fund as a fully mutualised, industry-funded safety net; reiterates the call for full ratification of the ESM Treaty amendment to strengthen credibility, resolvability and euro area resilience; | 19. Critically notes that the Single Resolution Fund, while intended as a safety net, currently imposes opaque contribution methodologies and lacks transparency, adding cost burdens without demonstrable efficiency gains; instead, resources could be better deployed through clearer national contingencies and market-based discipline; respects the prerogatives of the national parliaments regarding the ratification of the intergovernmental ESM Treaty; |
Or. en
Amendment 254
Marlena Maląg
on behalf of the ECR Group
Motion for a resolution
Paragraph 19
| Motion for a resolution | Amendment |
| 19. Welcomes the Single Resolution Fund as a fully mutualised, industry-funded safety net; reiterates the call for full ratification of the ESM Treaty amendment to strengthen credibility, resolvability and euro area resilience; | 19. Notes the Single Resolution Fund as a fully mutualised, industry-funded safety net; |
Or. en
Amendment 255
Isabel Benjumea Benjumea
Motion for a resolution
Paragraph 19
| Motion for a resolution | Amendment |
| 19. Welcomes the Single Resolution Fund as a fully mutualised, industry-funded safety net; reiterates the call for full ratification of the ESM Treaty amendment to strengthen credibility, resolvability and euro area resilience; | 19. Welcomes the Single Resolution Fund as a backstop mechanism to underpin ordered management of banking crises; reiterates the call for full ratification of the ESM Treaty amendment to strengthen credibility, resolvability and euro area resilience and at the same time preserve market discipline and protect taxpayers; |
Or. es
Amendment 256
Ralf Seekatz
Motion for a resolution
Paragraph 19
| Motion for a resolution | Amendment |
| 19. Welcomes the Single Resolution Fund as a fully mutualised, industry-funded safety net; reiterates the call for full ratification of the ESM Treaty amendment to strengthen credibility, resolvability and euro area resilience; | 19. Welcomes the Single Resolution Fund as a fully mutualised, industry-funded safety net; reiterates the call for full ratification of the ESM Treaty amendment to strengthen credibility, resolvability and euro area resilience; highlights the goal of taxpayer protection in case of resolution and recalls that beyond the agreed Common Backstop no additional taxpayer resources should be used for failing banks; |
Or. en
Amendment 257
Regina Doherty
Motion for a resolution
Paragraph 19 a (new)
| Motion for a resolution | Amendment |
| 19 a. Calls for the full ratification of the Amending Agreement to the ESM Treaty by all Member States including the establishment of a common backstop to the Single Resolution Fund; |
Or. en
Amendment 258
Michalis Hadjipantela
Motion for a resolution
Paragraph 19 a (new)
| Motion for a resolution | Amendment |
| 19 a. Reminds that the zero-risk weight policy for the public debt is a problem that needs to be addressed; |
Or. en
Amendment 259
Virginijus Sinkevičius
on behalf of the Verts/ALE Group
Motion for a resolution
Paragraph 19 a (new)
| Motion for a resolution | Amendment |
| 19 a. Deplores the lack of gender-balance in the SRB management; |
Or. en
Amendment 260
Ralf Seekatz
Motion for a resolution
Paragraph 19 a (new)
| Motion for a resolution | Amendment |
| 19 a. Underlines the fact that the Commission’s proposal to establish a European deposit insurance scheme was published back in 2015 and that the landscape has changed significantly since then; |
Or. en
Amendment 261
Angelika Winzig
Motion for a resolution
Paragraph 20
| Motion for a resolution | Amendment |
| 20. Reaffirms its strong commitment to the creation of a fully fledged EDIS as the third and final and essential pillar of the Banking Union; | deleted |
Or. en
Amendment 262
Marlena Maląg
on behalf of the ECR Group
Motion for a resolution
Paragraph 20
| Motion for a resolution | Amendment |
| 20. Reaffirms its strong commitment to the creation of a fully fledged EDIS as the third and final and essential pillar of the Banking Union; | deleted |
Or. en
Amendment 263
Auke Zijlstra, Tomáš Kubín, Sebastian Tynkkynen, Roman Haider, Jaroslava Pokorná Jermanová
Motion for a resolution
Paragraph 20
| Motion for a resolution | Amendment |
| 20. Reaffirms its strong commitment to the creation of a fully fledged EDIS as the third and final and essential pillar of the Banking Union; | 20. Rejects EDIS; argues that mutualised deposit insurance inherently shifts risk to stronger economies and weakens depositor incentives to monitor bank risk, leading to moral hazard; instead advocates for robust national schemes with harmonised minimum standards that preserve market price signals and responsibility; |
Or. en
Amendment 264
Engin Eroglu
Motion for a resolution
Paragraph 20
| Motion for a resolution | Amendment |
| 20. Reaffirms its strong commitment to the creation of a fully fledged EDIS as the third and final and essential pillar of the Banking Union; | 20. Highlights the need to exclude institutional protection schemes from a European deposit insurance scheme to ensure their continued functioning, while preserving the autonomy and effectiveness of Institutional Protection Systems (IPSs) and respecting the specific rules for IPSs agreed in the CMDI review; |
Or. en
Amendment 265
Ralf Seekatz
Motion for a resolution
Paragraph 20
| Motion for a resolution | Amendment |
| 20. Reaffirms its strong commitment to the creation of a fully fledged EDIS as the third and final and essential pillar of the Banking Union; | 20. Takes note of the Eurogroup statement of 16 June 2022 on the future of the Banking Union and acknowledges that any discussion for EDIS should be part of a wider discussion on all remaining elements of the Banking Union ensuring proportionality and taking into account national specificities; highlights that there should be a consensual agreement on possible further key elements of the Banking Union before starting to draft any concrete legislative proposals; |
Or. en
Amendment 266
Markus Ferber, Michalis Hadjipantela
Motion for a resolution
Paragraph 20
| Motion for a resolution | Amendment |
| 20. Reaffirms its strong commitment to the creation of a fully fledged EDIS as the third and final and essential pillar of the Banking Union; | 20. Reaffirms its commitment to the further development of the Banking Union taking due account of national specificities; |
Or. en
Amendment 267
Michalis Hadjipantela
Motion for a resolution
Paragraph 20
| Motion for a resolution | Amendment |
| 20. Reaffirms its strong commitment to the creation of a fully fledged EDIS as the third and final and essential pillar of the Banking Union; | 20. Reaffirms its strong commitment to a robust and complete Banking Union; reminds the lack of progress of EDIS by both co-legislators; |
Or. en
Amendment 268
Herbert Dorfmann, Marco Falcone
Motion for a resolution
Paragraph 20
| Motion for a resolution | Amendment |
| 20. Reaffirms its strong commitment to the creation of a fully fledged EDIS as the third and final and essential pillar of the Banking Union; | 20. Reaffirms its strong commitment to the creation of an EDIS which takes full account of national specificities as the third and final and essential pillar of the Banking Union; |
Or. en
Amendment 269
Fernando Navarrete Rojas, Isabel Benjumea Benjumea
Motion for a resolution
Paragraph 20
| Motion for a resolution | Amendment |
| 20. Reaffirms its strong commitment to the creation of a fully fledged EDIS as the third and final and essential pillar of the Banking Union; | 20. Reaffirms its strong commitment to the creation of a fully fledged, mutualised EDIS as the third and final and essential pillar of the Banking Union; stresses that a common system of deposit protection is indispensable to ensure equal protection of depositors across the Union, to further strengthen financial stability and to decisively reduce the remaining links between banks and sovereigns; underlines that the completion of EDIS should be pursued in a manner that is risk-based, fiscally responsible and accompanied by continued efforts in risk reduction, thereby reinforcing market confidence and the integrity of the single banking market; |
Or. en
Amendment 270
Virginijus Sinkevičius
on behalf of the Verts/ALE Group
Motion for a resolution
Paragraph 20
| Motion for a resolution | Amendment |
| 20. Reaffirms its strong commitment to the creation of a fully fledged EDIS as the third and final and essential pillar of the Banking Union; | 20. Reaffirms its strong commitment to the creation of a fully fledged EDIS that provides loss-coverage as the third and final and essential pillar of the Banking Union; recalls that EDIS would significantly reduce the doom-loop between banks and their own sovereigns; |
Or. en
Amendment 271
Isabel Benjumea Benjumea, Fernando Navarrete Rojas
Motion for a resolution
Paragraph 20
| Motion for a resolution | Amendment |
| 20. Reaffirms its strong commitment to the creation of a fully fledged EDIS as the third and final and essential pillar of the Banking Union; | 20. Reaffirms its strong commitment to the creation of a fully fledged EDIS as the third and final and essential pillar of the Banking Union based on proper risk reduction, the right incentives and a design that boosts depositor confidence, market discipline and financial stability throughout the Union; |
Or. es
Amendment 272
Gilles Boyer, Stéphanie Yon-Courtin
Motion for a resolution
Paragraph 20
| Motion for a resolution | Amendment |
| 20. Reaffirms its strong commitment to the creation of a fully fledged EDIS as the third and final and essential pillar of the Banking Union; | 20. Reaffirms its strong commitment to the creation of an EDIS as the third and final and essential pillar of the Banking Union; considers that the progressive introduction of a European Deposit Insurance Scheme should lead to a reduction of risk for all banks within the Banking Union; underlines that the contributions to a European Deposit Insurance Scheme should take into account the risk profile of each participating sector; also underlines the importance of the full application of the current rules, including mechanisms such as liquidity waivers, as one way to ensure free intragroup capital and liquidity flows, thereby enabling European banks to efficiently finance businesses across the EU and enhance competitiveness; |
Or. en
Amendment 273
Regina Doherty
Motion for a resolution
Paragraph 20
| Motion for a resolution | Amendment |
| 20. Reaffirms its strong commitment to the creation of a fully fledged EDIS as the third and final and essential pillar of the Banking Union; | 20. Reaffirms its strong commitment to the creation of a fully fledged EDIS as the third and final and essential pillar of the Banking Union; regrets that the Banking Union is still incomplete owing to the absence of an EDIS; recognises that the EDIS would improve protection for depositors in the EU; recalls that the EDIS would be a tangible element of the Banking Union for EU citizens, along with increased competition and consumer choice; considers that the EDIS would provide; |
Or. en
Amendment 274
Marlena Maląg
on behalf of the ECR Group
Motion for a resolution
Paragraph 20 a (new)
| Motion for a resolution | Amendment |
| 20 a. Recognises that a European Deposit Insurance Scheme (EDIS) could improve the protection of depositors in the EU; considers, however, that the main obstacle to the introduction of EDIS is the concern about the risks in some banking systems; emphasises that reducing these risks is key to reaching an agreement on any EDIS; |
Or. en
Amendment 275
Marlena Maląg
on behalf of the ECR Group
Motion for a resolution
Paragraph 20 b (new)
| Motion for a resolution | Amendment |
| 20 b. Points out that the originally proposed form of EDIS is no longer valid and there is no chance of obtaining support enabling its implementation; is of the opinion that a possible EDIS should not take the form of a fully integrated system, but rather some form of reinsurance; |
Or. en
Amendment 276
Markus Ferber, Michalis Hadjipantela
Motion for a resolution
Paragraph 21
| Motion for a resolution | Amendment |
| 21. Welcomes the adoption of the CMDI package as a positive step that strengthens national deposit guarantee schemes, reinforces confidence in the banking sector and enhances the operational and legal conditions for moving towards common EU protection for depositors and taxpayers; recalls this Committee’s 2024 position on EDIS; strongly urges the Council to advance negotiations; | deleted |
Or. en
Amendment 277
Fernando Navarrete Rojas, Isabel Benjumea Benjumea
Motion for a resolution
Paragraph 21
| Motion for a resolution | Amendment |
| 21. Welcomes the adoption of the CMDI package as a positive step that strengthens national deposit guarantee schemes, reinforces confidence in the banking sector and enhances the operational and legal conditions for moving towards common EU protection for depositors and taxpayers; recalls this Committee’s 2024 position on EDIS; strongly urges the Council to advance negotiations; | 21. Calls on the Commission to acknowledge that the current legislative proposal on the EDIS has remained stalled for several years without delivering tangible progress, regrets that this prolonged impasse has undermined the credibility of the commitment to complete the Banking Union, and urges the Commission to withdraw the existing proposal and to present, without delay, a renewed and more ambitious initiative capable of unlocking a genuine political agreement on EDIS; stresses that such a new proposal should provide a credible, effective and risk-based framework that delivers a real impulse towards the completion of EDIS, strengthens depositor confidence and ensures a level playing field across the single banking market; |
Or. en
Amendment 278
Auke Zijlstra, Mireia Borrás Pabón, Sebastian Tynkkynen, Roman Haider, Pierre Pimpie
Motion for a resolution
Paragraph 21
| Motion for a resolution | Amendment |
| 21. Welcomes the adoption of the CMDI package as a positive step that strengthens national deposit guarantee schemes, reinforces confidence in the banking sector and enhances the operational and legal conditions for moving towards common EU protection for depositors and taxpayers; recalls this Committee’s 2024 position on EDIS; strongly urges the Council to advance negotiations; | 21. Acknowledges the progress made on CMDI, but warns against overreliance on centralised schemes that could dilute accountability and expose fiscally responsible Member States to systemic liabilities; |
Or. en
Amendment 279
Engin Eroglu
Motion for a resolution
Paragraph 21
| Motion for a resolution | Amendment |
| 21. Welcomes the adoption of the CMDI package as a positive step that strengthens national deposit guarantee schemes, reinforces confidence in the banking sector and enhances the operational and legal conditions for moving towards common EU protection for depositors and taxpayers; recalls this Committee’s 2024 position on EDIS; strongly urges the Council to advance negotiations; | 21. Welcomes the adoption of the CMDI package as a positive step that strengthens national deposit guarantee schemes and reinforces confidence in the banking sector; |
Or. en
Amendment 280
Ralf Seekatz
Motion for a resolution
Paragraph 21
| Motion for a resolution | Amendment |
| 21. Welcomes the adoption of the CMDI package as a positive step that strengthens national deposit guarantee schemes, reinforces confidence in the banking sector and enhances the operational and legal conditions for moving towards common EU protection for depositors and taxpayers; recalls this Committee’s 2024 position on EDIS; strongly urges the Council to advance negotiations; | 21. Welcomes the adoption of the CMDI package as a positive step that strengthens national deposit guarantee schemes, reinforces confidence in the banking sector and enhances the operational and legal conditions for moving towards common EU protection for depositors and taxpayers; |
Or. en
Amendment 281
Marlena Maląg
on behalf of the ECR Group
Motion for a resolution
Paragraph 21
| Motion for a resolution | Amendment |
| 21. Welcomes the adoption of the CMDI package as a positive step that strengthens national deposit guarantee schemes, reinforces confidence in the banking sector and enhances the operational and legal conditions for moving towards common EU protection for depositors and taxpayers; recalls this Committee’s 2024 position on EDIS; strongly urges the Council to advance negotiations; | 21. Welcomes the adoption of the CMDI package as a positive step that strengthens national deposit guarantee schemes, reinforces confidence in the banking sector and enhances the operational and legal conditions for moving towards common EU protection for depositors and taxpayers; |
Or. en
Amendment 282
Angelika Winzig
Motion for a resolution
Paragraph 21
| Motion for a resolution | Amendment |
| 21. Welcomes the adoption of the CMDI package as a positive step that strengthens national deposit guarantee schemes, reinforces confidence in the banking sector and enhances the operational and legal conditions for moving towards common EU protection for depositors and taxpayers; recalls this Committee’s 2024 position on EDIS; strongly urges the Council to advance negotiations; | 21. Welcomes the adoption of the CMDI package as a positive step that strengthens national deposit guarantee schemes, reinforces confidence in the banking sector and enhances the operational and legal conditions for moving towards common EU protection for depositors and taxpayers; strongly urges the Council to advance negotiations; |
Or. en
Amendment 283
Herbert Dorfmann, Marco Falcone
Motion for a resolution
Paragraph 21
| Motion for a resolution | Amendment |
| 21. Welcomes the adoption of the CMDI package as a positive step that strengthens national deposit guarantee schemes, reinforces confidence in the banking sector and enhances the operational and legal conditions for moving towards common EU protection for depositors and taxpayers; recalls this Committee’s 2024 position on EDIS; strongly urges the Council to advance negotiations; | 21. Welcomes the adoption of the CMDI package as a positive step that strengthens national deposit guarantee schemes, reinforces confidence in the banking sector and enhances the operational and legal conditions for moving towards common EU protection for depositors and taxpayers; strongly urges the Council to advance negotiations; |
Or. en
Amendment 284
Virginijus Sinkevičius
on behalf of the Verts/ALE Group
Motion for a resolution
Paragraph 21
| Motion for a resolution | Amendment |
| 21. Welcomes the adoption of the CMDI package as a positive step that strengthens national deposit guarantee schemes, reinforces confidence in the banking sector and enhances the operational and legal conditions for moving towards common EU protection for depositors and taxpayers; recalls this Committee’s 2024 position on EDIS; strongly urges the Council to advance negotiations; | 21. Welcomes the adoption of the CMDI package as a positive step that reinforces confidence in the banking sector and enhances the operational and legal conditions for moving towards common EU protection for depositors and taxpayers; recalls this Committee’s 2024 position on EDIS; strongly urges the Council to advance negotiations; urges the new Eurogroup President to resume discussions on this topic as soon as possible; |
Or. en
Amendment 285
Isabel Benjumea Benjumea, Fernando Navarrete Rojas
Motion for a resolution
Paragraph 21
| Motion for a resolution | Amendment |
| 21. Welcomes the adoption of the CMDI package as a positive step that strengthens national deposit guarantee schemes, reinforces confidence in the banking sector and enhances the operational and legal conditions for moving towards common EU protection for depositors and taxpayers; recalls this Committee’s 2024 position on EDIS; strongly urges the Council to advance negotiations; | 21. Welcomes the adoption of the CMDI package as a positive step that strengthens national deposit guarantee schemes, reinforces confidence in the banking sector and enhances the operational and legal conditions for gradually and credibly moving towards common EU protection for depositors and taxpayers; recalls this Committee’s 2024 position on EDIS; strongly urges the Council to advance negotiations; |
Or. es