{"id":170366,"date":"2026-07-20T09:46:47","date_gmt":"2026-07-20T07:46:47","guid":{"rendered":"https:\/\/www.cde.ual.es\/?p=170366"},"modified":"2026-07-20T09:50:54","modified_gmt":"2026-07-20T07:50:54","slug":"la-comision-describe-las-medidas-para-fortalecer-el-sector-bancario-europeo-y-apoyar-el-crecimiento","status":"publish","type":"post","link":"https:\/\/www.cde.ual.es\/en\/la-comision-describe-las-medidas-para-fortalecer-el-sector-bancario-europeo-y-apoyar-el-crecimiento\/","title":{"rendered":"The Commission outlines measures to strengthen the European banking sector and support growth"},"content":{"rendered":"
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On 17 July <\/span>,<\/span>the European Commission adopted a <\/span>Communication on the competitiveness of the EU banking sector<\/span>, setting out measures to strengthen the single banking market.<\/span><\/span>\u00a0<\/span><\/p>\n

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President of the European Commission Ursula\u00a0<\/strong><\/span>von der Leyen<\/span><\/strong>\u00a0<\/strong>said: “<\/span>Getting capital flowing is how we will get Europe growing. Our Savings and Investments Union needs a strong, competitive banking sector at its heart. And today’s Communication takes a clear step in this direction, recalibrating our approach to risk, and enabling growth and\u00a0<\/span><\/em>innovation while maintaining financial stability.<\/em>\u201d<\/span>\u00a0<\/span><\/p>\n<\/div>\n

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The objective is to build a more integrated, efficient, and competitive banking sector that can strengthen Europe’s economy by financing growth, innovation, and strategic priorities,\u00a0<\/span>underpinned by a better-balanced regulatory framework, creating the conditions for banks to take prudent risks while safeguarding the sector’s resilience,\u00a0<\/span>delivering better services to households and businesses, all while preserving financial stability and fostering sustainable growth.<\/span>\u00a0<\/span><\/p>\n<\/div>\n

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This Communication is a key pillar of the Commission’s\u00a0<\/span>Savings and Investments Union (SIU) strategy:\u00a0having a banking sector with the strength and scale to finance growth\u00a0<\/span>and strategic priorities, such as innovation, the clean transition, and defence, while delivering high-quality financial services to households and businesses.<\/span>\u00a0<\/span><\/p>\n<\/div>\n

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Following a public consultation and exchanges with Member States, stakeholders, and supervisory authorities, the Commission has identified three main challenges that limit the banking sector’s ability to support the EU economy effectively.<\/span>\u00a0<\/span><\/p>\n<\/div>\n

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First, the sector remains too fragmented along national lines. This prevents EU banks from scaling up and competing globally in key market segments and finding efficiencies across borders. Second, the way international banking standards, known as Basel III standards, are transposed into the EU framework does not always reflect the specific features of the EU banking landscape. The framework needs to work better for both large and small banks. Third, some parts of the EU regulatory framework, including the interaction between microprudential, macroprudential and resolution rules, as well as\u00a0<\/span>reporting requirements, are too complex and burdensome and should be simplified.\u00a0<\/span>A<\/span>ddressing these three challenges is essential to building a banking sector that is not only resilient and competitive, but also able to support the EU economy.<\/span>\u00a0<\/span><\/p>\n<\/div>\n

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Boosting\u00a0competitiveness calls for a cultural shift in banking towards responsible, measured risk-taking.\u00a0<\/span>Simplifying the regulatory framework, integrating the Single Market and completing the Banking Union would\u00a0help EU citizens and businesses access better products and services at more competitive prices.\u00a0<\/span>\u00a0<\/span><\/p>\n<\/div>\n

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Key measures<\/span>\u00a0<\/strong><\/p>\n<\/div>\n

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The Communication identifies key measures that are built around three objectives.<\/span>\u00a0<\/span><\/p>\n<\/div>\n

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First: removing barriers to cross-border banking activity and fostering market integration.\u00a0<\/span>Today’s Communication sets out the path towards reducing prudential and non-prudential barriers to cross-border activity so that EU banks can reach the scale required to compete globally. This would include the following measures:\u00a0<\/span><\/p>\n<\/div>\n

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