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EU banking policy and regulatory issues

Context

European banks fared the coronavirus (COVID-19) pandemic with stronger capital positions, higher liquidity buffers and better asset quality. This time European banks have been part of the solution, although these positive developments have been made possible also thanks to exceptional support measures from public authorities.

However, a negative impact from such a shock is eventually unavoidable provided that the public support is reaching limits while a stagflation risk is unfolding.

In addition, the fact remains that the European banking sector was already beset by structural weaknesses when the Covid crisis hits: persistent low profitability caused by excess capacity, lasting very low interest rates and low-cost efficiency has been driving bank valuations to historic lows.

Technology also opens the gates to further non-bank competition (such as from big tech firms), while at the same time providing scope to exploit new business opportunities.

Furthermore, banks also have to address the global emerging challenges posed by topics such as climate-related financial risks, cyber risk, and operational resilience.

Related regulatory challenges will add to those stemming from the implementation of the most recent additions to the banking regulatory standards – Basel III – launched in the wake of the 2008 financial crisis, which are expected to be implemented factoring in EU financing specificities.

Eurofi documents

Extracted from the main Eurofi publications (Regulatory Updates, Views Magazines and Conference Summaries)

Eurofi Views Magazine chapters

EU banking challenges

Bank diversity in Europe: what evolutions? - September 2023 new

Edouard Fernandez-Bollo - European Central Bank (ECB) | Helmut Ettl - Austrian Financial Market Authority | Giuseppe Siani - Banca d’Italia | Karolin Schriever - Deutscher Sparkassen und Giroverband (DSGV) | Mike Velthaak - Rabobank | Benoît de La Chapelle Bizot - BPCE

Lessons learned from the banking turmoil - September 2023 new

Margarita Delgado - Banco de España | Dominique Laboureix - Single Resolution Board (SRB) | Hirohide Kouguchi - Bank of Japan | Ana Fernández Manrique - BBVA | Francesco Ceccato - Barclays Europe | Michael Schoch - UBS | Álvaro Benzo González-Coloma - PricewaterhouseCoopers Auditores, S.L.

Enhancing the EU bank crisis management framework - April 2023

Dominique Laboureix - Single Resolution Board (SRB) | Stefano Cappiello - Ministry of Economy and Finance, Italy | Simonas Krėpšta - Bank of Lithuania | Karolin Schriever - Deutscher Sparkassen- und Giroverband (DSGV)

Managing risks in the banking sector - April 2023

Nathalie Aufauvre - Autorité de contrôle prudentiel et de résolution (ACPR) | François-Louis Michaud - European Banking Authority (EBA) | Tanate Phutrakul - ING Group | Christian Edelmann - Oliver Wyman

Competitiveness of the EU banking sector - September 2022

Sylvie Goulard - Banque de France | Fernando Vicario - Bank of America Europe DAC | Helmut Etll - Austrian Financial Market Authority | Nicoletta Mascher - European Stability Mechanism

Improving the EU bank crisis management framework - September 2022

Edouard Fernandez-Bollo - European Central Bank | Dominique Laboureix - Autorité de Contrôle Prudentiel et de Résolution | Giuseppe Siani - Banca d’Italia | Juan Poswick - BNP Paribas | Karl-Peter Schackmann-Fallis - Deutscher Sparkassen- und Giroverband

Taking advantage of bank diversity in Europe - September 2022

Giuseppe Siani - Banca d’Italia | Margarita Delgado - Banco de España | François-Louis Michaud - European Banking Authority | Edouard Fernandez-Bollo - European Central Bank | Jacques Beyssade - Groupe BPCE | Julia Symon - Finance Watch | Guido Maria Nola - BancoPosta - Poste Italiane

Implementing the Basel framework in Europe

Basel III implementation - April 2023

José Manuel Campa - European Banking Authority (EBA) | Jonás Fernández - European Parliament | Alban Aucoin - Crédit Agricole | Martin Neisen - PricewaterhouseCoopers GmbH | Philip Evans - Bank of England | Anne Dunn - J.P. Morgan

Basel III implementation - September 2022

Pablo Hernández de Cos - Banco de España | Alexandra Jour-Schroeder - European Commission | Jonás Fernández Álvarez - European Parliament | Alban Aucoin - Crédit Agricole S.A. | Hirotaka Hideshima - The Norinchukin Bank