{"id":162748,"date":"2025-10-30T03:00:54","date_gmt":"2025-10-30T02:00:54","guid":{"rendered":"https:\/\/www.cde.ual.es\/?p=162748"},"modified":"2025-10-29T13:20:59","modified_gmt":"2025-10-29T12:20:59","slug":"commission-advances-the-savings-and-investments-union-with-measures-to-mobilise-insurers-and-banks-capital-for-europes-future","status":"publish","type":"post","link":"https:\/\/www.cde.ual.es\/en\/commission-advances-the-savings-and-investments-union-with-measures-to-mobilise-insurers-and-banks-capital-for-europes-future\/","title":{"rendered":"Commission advances the Savings and Investments Union with measures to mobilise insurers’ and banks’ capital for Europe’s future"},"content":{"rendered":"
\n

\"monedas<\/p>\n

T<\/span>he Commission has<\/span>\u00a0adopted two\u00a0<\/span>measures to support\u00a0<\/span>the\u00a0<\/span>essential role\u00a0<\/span>institutional investors<\/span>, such as banks and insurers, play in the financing the EU economy.<\/span><\/span>\u00a0<\/span><\/p>\n<\/div>\n

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These measures deliver on the roadmap set out in\u00a0<\/span><\/span>the Savings and Investments Union (SIU<\/span>)\u00a0<\/span>strategy<\/span><\/span>\u00a0and contribute to the EU’s broader\u00a0<\/span>objectives<\/span>\u00a0of supporting private investment, improving capital market integration, and strengthening Europe’s long-term competitiveness, for the benefit of EU businesses and households.\u00a0<\/span><\/span>\u00a0<\/span><\/p>\n<\/div>\n

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They aim at boosting equity investments by banks and insurers, including where these investments are made alongside public entities \u2013 such as the European Investment Bank or national promotional banks.<\/span><\/span>\u00a0<\/span><\/p>\n<\/div>\n

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Amendments to Solvency II rules<\/span>\u00a0<\/strong><\/p>\n<\/div>\n

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T<\/span>he European insurance sector manages around \u20ac10 trillion of assets and is a key institutional investor.<\/span><\/span>\u00a0<\/span><\/p>\n<\/div>\n

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The amendments to the Solvency II delegated regulation encourage long-term investments\u00a0<\/span><\/strong>by enhancing the\u00a0<\/strong>investment<\/strong>\u00a0capacity of\u00a0<\/span>insurers.<\/span>\u00a0This will allow\u00a0<\/span>them<\/span>\u00a0to\u00a0<\/span>allocate<\/span>\u00a0more capital to\u00a0<\/span>financing\u00a0<\/span>the real economy, while\u00a0<\/span>maintaining<\/span>\u00a0the robustness of the\u00a0<\/span>legal\u00a0<\/span>framework and the protection of policyholders. For instance, the delegated regulation includes\u00a0<\/span><\/span>a\u00a0<\/span><\/span>dedicated treatment for long-term equity investments by insurers<\/span><\/strong>\u00a0to encourage the financing of European firms and\u00a0<\/span>facilitate<\/span>\u00a0their access to stable, long-term capital, including through private equity and venture capital.<\/span><\/span>\u00a0<\/span><\/p>\n<\/div>\n

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To support\u00a0<\/span><\/span>EU strategic priorities such as the green and digital transitions or security and defence projects,<\/span><\/span>\u00a0a\u00a0<\/span><\/span>new preferential treatment is also introduced for insurers’ equity investments under legislative programmes where public subsidies and guarantees are involved. Alignment with banking rules on legislative programmes\u00a0<\/span>regarding<\/span>\u00a0the eligibility criteria ensures legal certainty and predictability for both\u00a0<\/span>public and private investors.<\/span><\/span>\u00a0<\/span><\/p>\n<\/div>\n

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The\u00a0<\/span><\/span>review<\/span><\/span>\u00a0of the Solvency II Delegated regulation also removes unnecessary prudential costs for insurers when investing in securitisation. This is one of the four deliverables under the\u00a0<\/span><\/span>securitisation package<\/span><\/strong>\u00a0adopted in June 2025 aimed at reviving the EU securitisation market<\/span>.<\/span><\/span>\u00a0<\/span><\/p>\n<\/div>\n

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The\u00a0<\/span>amendments to the Solvency II Delegated Regulation<\/span>\u00a0will preserve insurers’<\/span><\/span>\u00a0ability to offer long-term life insurance and pension products<\/strong>,<\/span><\/span>\u00a0by making the prudential framework more conducive to long-term, guarantee-based insurance business.\u00a0<\/span>Certain types of life insurance policies have an investment\u00a0<\/span>objective<\/span>, helping citizens to get better returns on their savings and improve their financial well-being.<\/span><\/span>\u00a0<\/span><\/p>\n<\/div>\n

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The review also\u00a0<\/span><\/span>reduces administrative burdens<\/span><\/span>\u00a0by streamlining reporting and disclosure requirements, removing overlaps with other EU rules, and introducing more proportionality for insurers with simple business models.<\/span><\/span>\u00a0<\/span><\/p>\n<\/div>\n

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Legislative programmes under the Capital Requirements Regulation<\/span>\u00a0\u00a0<\/strong><\/p>\n<\/div>\n

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The Communication adopted today provides guidance on how banks can\u00a0<\/span>benefit<\/span>\u00a0from more favourable prudential treatment under the Capital Requirements Regulation (CRR) when investing in equity through legislative programmes \u2014 structured public investment schemes\u00a0<\/span>established<\/span>\u00a0under EU or national law. These programmes, which combine public backing (such as guarantees or co-investment) with private funding and clear oversight mechanisms, support sectors that are critical to Europe’s competitiveness and security, including clean technologies, digital\u00a0<\/span>innovation<\/span>\u00a0and defence.<\/span><\/span>\u00a0<\/span><\/p>\n<\/div>\n

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By clarifying how the relevant\u00a0<\/span><\/span>Article 133(5) of the CRR<\/span><\/span>\u00a0applies, the guidance promotes a consistent and transparent application across the Single Market. Banks investing under eligible legislative programmes will be able to apply a lower capital charge to these exposures, reflecting their reduced risk, while\u00a0<\/span>maintaining<\/span>\u00a0strong supervisory safeguards and financial stability.<\/span><\/span>\u00a0<\/span><\/p>\n<\/div>\n

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This initiative makes it easier for EU companies to access equity financing. It is also\u00a0<\/span>an important step<\/span>\u00a0toward a more integrated and diversified EU capital market \u2014 in line with the\u00a0<\/span>objectives<\/span>\u00a0set out in the Competitiveness Compass and the Commission’s broader investment agenda under the SIU.<\/span><\/span>\u00a0<\/span><\/p>\n<\/div>\n

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The Commission has set up a\u00a0<\/span><\/span>public register<\/span><\/strong>\u00a0of legislative programmes, available on the\u00a0<\/span><\/span>DG FISMA website<\/span><\/span>.\u00a0\u00a0<\/span><\/p>\n<\/div>\n

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Background<\/span>\u00a0<\/strong><\/p>\n<\/div>\n

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In March 2025, the Commission adopted the Communication on the Savings and Investments Union (SIU), setting out a comprehensive agenda to deepen Europe’s capital markets and mobilise more private capital in support of EU priorities. The measures adopted today \u2014 the Solvency II Delegated Act and the Communication on legislative programmes under the CRR \u2014 are part of the deliverables under this initiative.<\/span><\/span>\u00a0<\/span><\/p>\n<\/div>\n

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Next steps<\/span>\u00a0<\/strong><\/p>\n<\/div>\n

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The Solvency II amending delegated act is subject to scrutiny by the European Parliament and the Council over a maximum period of three months. This period can be extended by three months at the request of the European Parliament or of the Council.<\/span><\/span>\u00a0<\/span><\/p>\n<\/div>\n

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The amendments to the Solvency II Delegated Regulation will apply at the same time of the Directive (EU) 2025\/2, namely from 30 January 2027.<\/span><\/span>\u00a0<\/span><\/p>\n

More information: European Commission<\/a><\/strong><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

The Commission has\u00a0adopted two\u00a0measures to support\u00a0the\u00a0essential role\u00a0institutional investors, such as banks and insurers, play in the financing the EU economy.\u00a0 These measures deliver on the roadmap set out in\u00a0the Savings and Investments Union (SIU)\u00a0strategy\u00a0and contribute to the EU’s broader\u00a0objectives\u00a0of supporting private investment, improving capital market integration, and strengthening Europe’s long-term competitiveness, for the benefit of […]<\/p>\n","protected":false},"author":1,"featured_media":22044,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[4090,4088],"tags":[9089,779,1488,16158,6128,1448,2788,489,16157],"class_list":{"0":"post-162748","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-economy-finance","8":"category-market","9":"tag-banks","10":"tag-eu-en","11":"tag-european-commission","12":"tag-insures","13":"tag-investments","14":"tag-measures","15":"tag-news","16":"tag-pensions","17":"tag-savings-and-investments-union","18":"entry"},"acf":[],"yoast_head":"\nCommission advances the Savings and Investments Union with measures to mobilise insurers' and banks' capital for Europe's future | CDE Almer\u00eda - 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