Banking Union – annual report 2025
TA-10-2026-0159 · P10_TA(2026)0159 · PE779.660
- Adopted in plenary on · Adopted 376–187–17 · See the decision →
- Full procedure 2025/2136
Written by a language model from the full text only; every figure comes from the text. The paragraph links open the paragraph a statement rests on — check the text itself before relying on it.
This resolution on the Banking Union annual report 2025 welcomes progress under the Single Supervisory Mechanism and Single Resolution Mechanism, and calls for completing the Banking Union, including a European Deposit Insurance Scheme.¶ It urges the Commission to prioritize the Banking Union and Savings and Investments Union, and calls for measures on access to finance, consumer protection, supervision of non-bank financial intermediaries, and implementation of Basel III.¶¶¶ It reaffirms commitment to an EDIS, welcomes the crisis management and deposit insurance reform, and stresses that taxpayers should not bear the cost of bank failures.¶¶¶
Key points
- Calls for full and swift completion of the Banking Union, including work towards the European Deposit Insurance Scheme and measures to deepen market integration.¶
- Calls on the Commission to prioritise the Banking Union and the Savings and Investments Union, and to propose actions to increase EU banks' competitiveness in its 2026 report.¶¶
- Encourages the Commission to consider measures to ensure better access to finance for all citizens and businesses, especially SMEs, given disparate interest rates across member states.¶
- Emphasises the banking sector's role in financing the twin transition and highlights simplification efforts under the sustainable finance framework.¶
- Regrets remaining barriers to cross-border retail banking services and emphasises the potential of an integrated Banking Union to improve competition and consumer choice.¶
- Welcomes progress on digital euro negotiations and regards it essential that Parliament finalises its position as soon as possible.¶
- Calls on financial institutions, stakeholders, the Commission and member states to adopt diversity strategies and ensure gender balance in management.¶
- Stresses that credit institutions receiving State aid must operate within prudent parameters on dividends, buy-backs and variable remuneration.¶
- Calls on member states and competent authorities to ensure robust supervision and enforcement of consumer protection law, including protection of primary residences.¶
- Welcomes AMLA's role and calls for consistent implementation and cooperation in fighting money laundering and terrorist financing.¶
- Calls for a balanced and more integrated approach to financial reporting, including a centralised data hub, to reduce complexity and improve data quality.¶
- Calls for comprehensive European supervision of non-bank financial intermediaries and for the Commission to examine gaps in the supervisory toolkit.¶
Who is affected
- EU banks: must maintain adequate capital buffers, ensure human oversight in automated decisions, and implement reskilling policies.¶¶
- Credit institutions receiving State aid: must operate within prudent parameters on dividends, buy-backs and variable remuneration.¶
- Consumers and borrowers: should benefit from effective protection, legal certainty and access to redress, including protection of primary residences.¶
- Non-bank financial intermediaries: face calls for comprehensive European supervision and monitoring of risks.¶
- Smaller and medium-sized banks: need flexibility in crisis management and deposit insurance frameworks.¶
Figures and deadlines
- CET1 ratio reached 16.12 % in the second quarter of 2025.¶
- Return on equity was 10.11 %.
- Non-performing loans decreased to 2.22 %.
- Stage 2 loans stood at 9.59 %.