European Parliament – EU Banking Sector & Competitiveness: Framing the Policy Debate, May 2025

The document focuses on the analysis of the EU banking sector and its impact on competitiveness.

The main attention is given to the completion of the banking union, simplification of capital requirements and other loss-absorbing requirements, as well as the unification of decision-making on macroprudential buffers at the European level. To ensure the EU's competitiveness, it is necessary to complete the banking union and simplify regulatory requirements. It is important that the implementation of these measures does not lead to a reduction in aggregate capital requirements.