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Banking union latest publications

November 18, 2019

The culmination of the banking union: a German proposal

Following the financial crisis that led to a European sovereign crisis in 2012, the European Commission developed a roadmap for the creation of the banking union, based on three key pillars: the Single Supervisory Mechanism (SSM), the Single Resolution Mechanism (SRM) and the Deposit Guarantee Scheme (DGS).

June 27, 2019

China Banking Monitor

Although the non-performing loan ratio remained stable and the capital adequacy ratio still sufficient to meet financial needs, there is a diverging trend between large and small commercial banks. Some small banks are subject to capital shortfall amid deteriorating asset quality and persistent regulations on shadow banking.

December 24, 2018

What will be the trends in financial regulation in 2019?

In 2018, the financial regulatory reform approved after the crisis by the G20 and the Financial Stability Board (FSB) was considered virtually complete and the focus was supposed to be on implementing the reforms already initiated.

August 2, 2018

Banking Outlook. August 2018

The Spanish banking industry made profits of 3.106 billion euros in the first quarter of 2018 compared to the losses posted in 2017, which were prompted by the sale of Banco Popular. Cleaning of bank balance sheets is gathering pace, while deleveraging of the private sector is ongoing. The efficiency and profitability of th…

July 9, 2018

Tiki-taka at the summit

The recent European summit of Heads of State and Government focused on discussing the huge problem of illegal immigration to Europe, devoting very little time to discussing what just a few weeks ago was supposed to be the central theme of this meeting: the deepening of the monetary union.

May 21, 2018

The power of the ECB’s words and tone

The way the European Central Bank modulates its tone with each announcement has recently become an important tool for keeping track of monetary policy. This has come about since central banks have added specific commitments and credible and transparent communication to their toolbox.

March 26, 2018

Liquidity or moratorium?

The ECB announced recently that it is studying the possibility of centralising emergency liquidity assistance (ELA) for banks in difficulties. At present the responsibility for this window lies with the national central banks, although with the authorisation of the ECB above certain limits.

November 13, 2017

Banking Union: Half way there

The European Commission published a roadmap to ensure agreement on all the outstanding elements of the Banking Union by 2018. The EU Commission warns that the Banking Union must be completed if it is to deliver its full potential as a pillar of a strong Economic and Monetary Union and complementary to the Capital Markets Un…