{"id":2048380,"date":"2026-07-17T13:18:49","date_gmt":"2026-07-17T10:18:49","guid":{"rendered":"https:\/\/analyse.optim.biz\/?p=2048380"},"modified":"2026-07-17T13:18:49","modified_gmt":"2026-07-17T10:18:49","slug":"eu-unveils-banking-reform-plan-to-lift-national-barriers-and-unlock-investment","status":"publish","type":"post","link":"https:\/\/analyse.optim.biz\/?p=2048380","title":{"rendered":"EU unveils banking reform plan to lift national barriers and unlock investment"},"content":{"rendered":"<p>[analyse_image type=&#8221;featured&#8221; src=&#8221;https:\/\/images.euronews.com\/articles\/stories\/09\/84\/17\/32\/1200x675_cmsv2_1fb5ed8a-5739-56a2-bb23-f1c8323dbe6a-9841732.jpg&#8221;]<\/p>\n<article id=\"abe-2908624-pos1-c-latest-stories\" class=\"the-media-object m-modeMobile-1 m-modeDesktop-1 m-modeXL-1 the-media-object--has-video\" data-nid=\"2908624\" data-cid=\"9838628\" data-part-label=\"Partner content\">\n<figure id=\"abe-2908624-label-pos1-c-latest-stories\" class=\"the-media-object__figure\"><img decoding=\"async\" class=\"the-media-object__image\" src=\"https:\/\/images.euronews.com\/articles\/stories\/09\/83\/22\/13\/189x106_cmsv2_ef869aea-2681-53cc-8b62-0be9af67ea3b-9832213.jpg\" loading=\"lazy\" alt=\"Athens Photography Festival\" height=\"9\" width=\"16\"><\/figure>\n<div class=\"the-media-object__content\">\n                    Culture news<\/p>\n<div class=\"the-media-object__title  \">\n<p>    Athens Photo Festival: A polyphonic celebration of photography\n  <\/p><\/div>\n<\/div>\n<\/article>\n<article id=\"abe-2910646-pos2-c-latest-stories\" class=\"the-media-object m-modeMobile-1 m-modeDesktop-1 m-modeXL-1\" data-nid=\"2910646\" data-cid=\"9842086\" data-part-label=\"Partner content\">\n<figure id=\"abe-2910646-label-pos2-c-latest-stories\" class=\"the-media-object__figure\"><img decoding=\"async\" class=\"the-media-object__image\" src=\"https:\/\/images.euronews.com\/articles\/stories\/09\/84\/20\/86\/189x106_cmsv2_820f1562-b408-5105-b7f7-eb9eb5497c24-9842086.jpg\" loading=\"lazy\" alt=\"FILE - FILE - A person uses a smart phone in Chicago, Sept. 16, 2017. (AP Photo, File)\" height=\"9\" width=\"16\"><\/figure>\n<div class=\"the-media-object__content\">\n                    Tech News<\/p>\n<div class=\"the-media-object__title  \">\n<p>    Your phone is destroying your thumbs \u2014 and here&#8217;s how to stop it\n  <\/p><\/div>\n<\/div>\n<\/article>\n<article id=\"abe-2910594-pos3-c-latest-stories\" class=\"the-media-object m-modeMobile-1 m-modeDesktop-1 m-modeXL-1\" data-nid=\"2910594\" data-cid=\"9841743\" data-part-label=\"Partner content\">\n<figure id=\"abe-2910594-label-pos3-c-latest-stories\" class=\"the-media-object__figure\"><img decoding=\"async\" class=\"the-media-object__image\" src=\"https:\/\/images.euronews.com\/articles\/stories\/09\/84\/17\/43\/189x106_cmsv2_a2128fc3-f088-5315-8552-eff4417b1f87-9841743.jpg\" loading=\"lazy\" alt=\"Hungarian Prime Minister P\u00e9ter Magyar in the parliament building in Budapest\" height=\"9\" width=\"16\"><\/figure>\n<div class=\"the-media-object__content\">\n                    Europe News<\/p>\n<div class=\"the-media-object__title  \">\n<p>    Rule of Law in Hungary shows \u2018radical change\u2019 under Magyar, EU says\n  <\/p><\/div>\n<\/div>\n<\/article>\n<article id=\"abe-2910652-pos4-c-latest-stories\" class=\"the-media-object m-modeMobile-1 m-modeDesktop-1 m-modeXL-1\" data-nid=\"2910652\" data-cid=\"9842153\" data-part-label=\"Partner content\">\n<figure id=\"abe-2910652-label-pos4-c-latest-stories\" class=\"the-media-object__figure\"><img decoding=\"async\" class=\"the-media-object__image\" src=\"https:\/\/images.euronews.com\/articles\/stories\/09\/84\/21\/53\/189x106_cmsv2_4ceba52a-6f06-5d33-8c06-70b4aad1d62f-9842153.jpg\" loading=\"lazy\" alt=\"Oscar-winning actress Brenda Fricker dies aged 81 \" height=\"9\" width=\"16\"><\/figure>\n<div class=\"the-media-object__content\">\n                    Culture news<\/p>\n<div class=\"the-media-object__title  \">\n<p>    Oscar-winning Irish actress Brenda Fricker dies aged 81\n  <\/p><\/div>\n<\/div>\n<\/article>\n<article id=\"abe-2908624-pos1-c-latest-stories-sidebar\" class=\"the-media-object m-modeMobile-2 m-modeDesktop-2 m-modeXL-2 the-media-object--has-video\" data-nid=\"2908624\" data-cid=\"9838628\" data-part-label=\"Partner content\">\n<figure id=\"abe-2908624-label-pos1-c-latest-stories-sidebar\" class=\"the-media-object__figure\"><img decoding=\"async\" class=\"the-media-object__image\" src=\"https:\/\/images.euronews.com\/articles\/stories\/09\/83\/22\/13\/189x106_cmsv2_ef869aea-2681-53cc-8b62-0be9af67ea3b-9832213.jpg\" loading=\"lazy\" alt=\"Athens Photography Festival\" height=\"9\" width=\"16\"><\/figure>\n<div class=\"the-media-object__content\">\n                    Culture news<\/p>\n<div class=\"the-media-object__title  \">\n<p>    Athens Photo Festival: A polyphonic celebration of photography\n  <\/p><\/div>\n<\/div>\n<\/article>\n<article id=\"abe-2910646-pos2-c-latest-stories-sidebar\" class=\"the-media-object m-modeMobile-2 m-modeDesktop-2 m-modeXL-2\" data-nid=\"2910646\" data-cid=\"9842086\" data-part-label=\"Partner content\">\n<figure id=\"abe-2910646-label-pos2-c-latest-stories-sidebar\" class=\"the-media-object__figure\"><img decoding=\"async\" class=\"the-media-object__image\" src=\"https:\/\/images.euronews.com\/articles\/stories\/09\/84\/20\/86\/189x106_cmsv2_820f1562-b408-5105-b7f7-eb9eb5497c24-9842086.jpg\" loading=\"lazy\" alt=\"FILE - FILE - A person uses a smart phone in Chicago, Sept. 16, 2017. (AP Photo, File)\" height=\"9\" width=\"16\"><\/figure>\n<div class=\"the-media-object__content\">\n                    Tech News<\/p>\n<div class=\"the-media-object__title  \">\n<p>    Your phone is destroying your thumbs \u2014 and here&#8217;s how to stop it\n  <\/p><\/div>\n<\/div>\n<\/article>\n<article id=\"abe-2910594-pos3-c-latest-stories-sidebar\" class=\"the-media-object m-modeMobile-2 m-modeDesktop-2 m-modeXL-2\" data-nid=\"2910594\" data-cid=\"9841743\" data-part-label=\"Partner content\">\n<figure id=\"abe-2910594-label-pos3-c-latest-stories-sidebar\" class=\"the-media-object__figure\"><img decoding=\"async\" class=\"the-media-object__image\" src=\"https:\/\/images.euronews.com\/articles\/stories\/09\/84\/17\/43\/189x106_cmsv2_a2128fc3-f088-5315-8552-eff4417b1f87-9841743.jpg\" loading=\"lazy\" alt=\"Hungarian Prime Minister P\u00e9ter Magyar in the parliament building in Budapest\" height=\"9\" width=\"16\"><\/figure>\n<div class=\"the-media-object__content\">\n                    Europe News<\/p>\n<div class=\"the-media-object__title  \">\n<p>    Rule of Law in Hungary shows \u2018radical change\u2019 under Magyar, EU says\n  <\/p><\/div>\n<\/div>\n<\/article>\n<article id=\"abe-2910652-pos4-c-latest-stories-sidebar\" class=\"the-media-object m-modeMobile-2 m-modeDesktop-2 m-modeXL-2\" data-nid=\"2910652\" data-cid=\"9842153\" data-part-label=\"Partner content\">\n<figure id=\"abe-2910652-label-pos4-c-latest-stories-sidebar\" class=\"the-media-object__figure\"><img decoding=\"async\" class=\"the-media-object__image\" src=\"https:\/\/images.euronews.com\/articles\/stories\/09\/84\/21\/53\/189x106_cmsv2_4ceba52a-6f06-5d33-8c06-70b4aad1d62f-9842153.jpg\" loading=\"lazy\" alt=\"Oscar-winning actress Brenda Fricker dies aged 81 \" height=\"9\" width=\"16\"><\/figure>\n<div class=\"the-media-object__content\">\n                    Culture news<\/p>\n<div class=\"the-media-object__title  \">\n<p>    Oscar-winning Irish actress Brenda Fricker dies aged 81\n  <\/p><\/div>\n<\/div>\n<\/article>\n<article class=\"helper-site-row o-article-newsy\">\n<div class=\"helper-site-container o-article-newsy__container\">\n<div class=\"o-article-newsy__main\">\n<header class=\"h-grid o-article-newsy__main__header\">\n<nav aria-label=\"Breadcrumbs\" class=\"c-article-breadcrumbs\">\n<div id=\"adb-article-breadcrumb\" class=\"c-article-breadcrumbs__list\">\n<p>                          Business<\/p>\n<p>                          Economy<\/p><\/div>\n<\/nav>\n<h1 class=\"c-article-redesign-title\">\n                            EU unveils banking reform plan to lift national barriers and unlock investment<\/h1>\n<div class=\"c-article-image-video u-position-relative \">\n<div class=\"js-superdiv u-aspect-ratio-16x9 u-position-relative \" data-sponsored=\"Partner content\"><img fetchpriority=\"high\" decoding=\"async\" class=\"js-poster-img c-article-media__img\" src=\"https:\/\/images.euronews.com\/articles\/stories\/09\/84\/17\/32\/1536x864_cmsv2_1fb5ed8a-5739-56a2-bb23-f1c8323dbe6a-9841732.jpg\" width=\"1536\" height=\"864\" loading=\"eager\" alt=\"File - The UniCredit bank logo is seen on the bank&apos;s headquarters in downtown Milan, Italy, Sunday, 5 October 2008 \"><\/div>\n<div class=\"c-article-caption u-position-absolute\"><i id=\"article-caption-content\" class=\"c-article-caption__content\"><span class=\"c-article-caption__text\"><br \/>\n              File &#8211; The UniCredit bank logo is seen on the bank&#8217;s headquarters in downtown Milan, Italy, Sunday, 5 October 2008<br \/>\n                    <span class=\"u-color-white\">&#8211;\u00a0<\/span><span class=\"c-article-caption__copyright\">Copyright\u00a0<\/span><span class=\"c-article-caption__credit\">AP Photo\/Antonio Calanni<\/span><\/span><\/i><\/div>\n<div class=\"c-article-image-copyright c-article-image-copyright--novideo\">\n      Copyright\u00a0AP Photo\/Antonio Calanni\n  <\/div>\n<\/div>\n<\/header>\n<div class=\"h-grid o-article-newsy__main__body u-article-content\">\n<div class=\"o-article-newsy__contributors-publication-date\">\n<div class=\"c-article-contributors\">\n  By&amp;nbspDoloresz Katanich\n<\/div>\n<div class=\"c-article-publication-date\" data-timestamp=\"1784294329\">\n                    Published on                 <time datetime=\"2026-07-17 15:18:49 +02:00\">17\/07\/2026 &#8211; 15:18 GMT+2<\/time><span class=\"c-article-publication-date__bullet\">\u2022<\/span>Updated<br \/>\n                                     <time datetime=\"15:26\">15:26<\/time><\/div>\n<\/div>\n<div class=\"c-article-share-comment u-align-items-center u-display-flex\"><span class=\"c-article-share-comment__links u-align-items-center u-display-flex u-justify-content-center js-c-article-share-comment-share\"><span class=\"c-article-share-comment__label\">Share<\/span><\/span><span class=\"c-article-share-comment__label\">Comments<\/span><span 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class=\"u-display-flex u-gap-1 u-show-for-mobile-only\"><img decoding=\"async\" src=\"https:\/\/static.euronews.com\/website\/images\/vector\/social-icons\/article-redesign-threads.svg\" width=\"24\" height=\"24\" alt=\"threads\" loading=\"lazy\"><span>Threads<\/span><\/span><img decoding=\"async\" src=\"https:\/\/static.euronews.com\/website\/images\/vector\/social-icons\/article-redesign-threads.svg\" width=\"48\" height=\"48\" alt=\"threads\" class=\"u-show-for-desktop\" loading=\"lazy\"><span class=\"u-display-flex u-gap-1 u-show-for-mobile-only\"><img decoding=\"async\" src=\"https:\/\/static.euronews.com\/website\/images\/vector\/social-icons\/article-redesign-whatsapp.svg\" width=\"24\" height=\"24\" alt=\"whatsapp\" loading=\"lazy\"><span>Whatsapp<\/span><\/span><img decoding=\"async\" src=\"https:\/\/static.euronews.com\/website\/images\/vector\/social-icons\/article-redesign-whatsapp.svg\" width=\"48\" height=\"48\" alt=\"whatsapp\" class=\"u-show-for-desktop\" loading=\"lazy\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<h2 class=\"c-article-summary\">\n        In a bid to reduce fragmentation in the EU banking sector and meet companies\u2019 growing investment needs, the European Commission has unveiled proposals aimed at making banks more competitive and potentially unlocking billions of euros for investment, but obstacles remain.<br \/>\n    <\/h2>\n<div class=\"c-article-content c-article-content--business js-article-content\">\n<p>The European Commission urged changes in a report on Friday to improve the competitiveness of the bloc&#8217;s banking sector, laying the political groundwork for what could become a substantial overhaul of EU banking rules to unlock billions in capital.<\/p>\n<div>\n<div class=\"c-ad u-show-for-mobile-only\">\n<div class=\"c-ad__placeholder\"><img decoding=\"async\" class=\"c-ad__placeholder__logo\" src=\"https:\/\/static.euronews.com\/website\/images\/logos\/logo-euronews-stacked-outlined-72x72-grey-9.svg\" width=\"72\" height=\"72\" alt loading=\"lazy\"><span>ADVERTISEMENT<\/span><\/div>\n<\/div>\n<div class=\"c-ad u-show-for-desktop\">\n<div class=\"c-ad__placeholder\"><img decoding=\"async\" class=\"c-ad__placeholder__logo\" src=\"https:\/\/static.euronews.com\/website\/images\/logos\/logo-euronews-stacked-outlined-72x72-grey-9.svg\" width=\"72\" height=\"72\" alt loading=\"lazy\"><span>ADVERTISEMENT<\/span><\/div>\n<\/div>\n<\/div>\n<p>Despite a decade of progress under the Banking Union, Europe&#8217;s banking market remains fragmented along national borders. The Commission argues that this limits the banking sector&#8217;s ability to support businesses and households across the EU.<\/p>\n<p>The report proposes measures to encourage more cross-border banking, simplifying supervisory rules and deepen the integration of EU capital markets through closer links with the Savings and Investments Union. It follows a year-long push from the Commission to simplify rules, which Brussels says will not lead to de-regulation even if the proposals look to scale back rules previously enforced by the European Union. <\/p>\n<p>According to the Commission, removing these barriers could help finance the bloc&#8217;s estimated \u20ac1.2 trillion in annual investment needs, including in clean technology, defence and artificial intelligence. <\/p>\n<h2><strong>National authorities could lose some control over banks<\/strong><\/h2>\n<p>The proposals would reduce national discretion as banking rules become more harmonised at EU level. National authorities could have less control over the capital and liquidity held by local subsidiaries, and less scope to block or impose conditions on cross-border mergers and acquisitions.<\/p>\n<p>Deposit protection and bank insolvency procedures could also be more closely coordinated at EU level.<\/p>\n<p>The Commission argues that a single banking market cannot work if countries continue to add to, interpret or enforce rules differently. The changes could also reduce the amount of capital some banks must hold to absorb losses.<\/p>\n<div class=\"c-widget-related\" data-stories-id data-event=\"widget_related\">\n<div class=\"c-widget-related__title\"><b class=\"c-widget-related__title__text\" lang=\"en\">Related<\/b><\/div>\n<ul class=\"c-widget-related__list\">\n<li class=\"c-widget-related__item\">EU plans banking reform by early 2027 to unlock billions in investment<\/li>\n<\/ul>\n<\/div>\n<h2>Freeing up capital for lending<\/h2>\n<p>Cross-border banking groups currently have to meet capital and liquidity requirements at both parent company and subsidiary level, which can leave resources tied up in individual countries.<\/p>\n<p>The Commission wants authorities responsible for parent banks to have greater powers over entire banking groups.<\/p>\n<p>For groups such as UniCredit, BNP Paribas and Santander, the ECB would exercise these powers alongside national authorities. Smaller groups would generally remain under national supervision, with ECB oversight within the Banking Union.<\/p>\n<p>Parent banks would have to ensure that subsidiaries have sufficient resources during normal operations and crises. The Commission says the changes could free up capital, cut compliance and funding costs, increase lending and encourage cross-border expansion.<\/p>\n<p>However, the Commission stressed that safeguards for creditors and depositors would remain essential. The report states: &#8220;Measures addressing prudential barriers to integration must be accompanied by appropriate safeguards ensuring financial stability across the EU.&#8221;<\/p>\n<p>The Commission also plans measures to discourage banks from holding too much debt issued by a single government and to encourage them to diversify their sovereign bond portfolios.<\/p>\n<h2>Protecting deposits<\/h2>\n<p>The Commission plans to review the deposit-insurance framework to ensure equal protection for covered deposits throughout the Banking Union. The changes would also seek to prevent the failure of a cross-border banking group from creating liabilities for individual member states, national budgets or deposit-guarantee schemes.<\/p>\n<p>The Commission also wants to make the handling of failing cross-border banks more predictable, allow funds to be distributed more effectively within groups during periods of stress and strengthen emergency liquidity support.<\/p>\n<h2><strong>Further changes<\/strong><\/h2>\n<p>Differences in how anti-money laundering and consumer protection rules are applied across the EU make it expensive for banks to operate across borders and offer EU-wide products. Banks may need separate IT systems and processes to comply with different national requirements.<\/p>\n<p>The Commission will pursue greater harmonisation, including common anti-money laundering rules from July 2027. It will also examine whether national consumer protection requirements unnecessarily fragment the market and assess how regulation can support digital banking and innovation while protecting consumers and maintaining cybersecurity.<\/p>\n<p>The Commission&#8217;s report lays the groundwork for measures due to be proposed in the first quarter of 2027.<\/p>\n<\/div>\n<p>                                  Go to accessibility shortcuts<\/p>\n<div class=\"c-article-share-comment u-align-items-center u-display-flex\"><span class=\"c-article-share-comment__links u-align-items-center u-display-flex u-justify-content-center js-c-article-share-comment-share\"><span class=\"c-article-share-comment__label\">Share<\/span><\/span><span class=\"c-article-share-comment__label\">Comments<\/span><span class=\"c-article-share-comment__label c-article-share-comment__label--always\">Add Euronews on Google<\/span><\/div>\n<div id=\"adb-article-you-might-also-like\" class=\"perf-cv-auto c-article-you-might-also-like\">\n<h2 class=\"c-article-you-might-also-like__title\">\n        Read more<br \/>\n      <\/h2>\n<div class=\"c-article-you-might-also-like__container\">\n<article id=\"abe-2806727-pos0-c-article-you-might-also-like__item\" class=\"the-media-object m-modeMobile-1 m-modeDesktop-1 m-modeXL-1 the-media-object--has-video\" data-nid=\"2806727\" data-cid=\"9316964\" data-part-label=\"Partner content\">\n<figure id=\"abe-2806727-label-pos0-c-article-you-might-also-like__item\" class=\"the-media-object__figure\"><img decoding=\"async\" class=\"the-media-object__image\" src=\"https:\/\/images.euronews.com\/articles\/stories\/09\/31\/69\/67\/480x270_cmsv2_892ab89c-3527-56e8-943c-78700c660b24-9316967.jpg\" loading=\"lazy\" alt=\"European Commissioner Maria L Albuquerque advocates for investing in savings with risk\" height=\"9\" width=\"16\"><\/figure>\n<div class=\"the-media-object__content\">\n                    The Europe Conversation<\/p>\n<h3 class=\"the-media-object__title  \">\n<p>    European Commissioner Maria L Albuquerque advocates for investing in savings with risk<br \/>\n  <\/h3>\n<\/div>\n<\/article>\n<article id=\"abe-2910593-pos1-c-article-you-might-also-like__item\" class=\"the-media-object m-modeMobile-1 m-modeDesktop-1 m-modeXL-1\" data-nid=\"2910593\" data-cid=\"9841732\" data-part-label=\"Partner content\">\n<figure id=\"abe-2910593-label-pos1-c-article-you-might-also-like__item\" class=\"the-media-object__figure\"><img decoding=\"async\" class=\"the-media-object__image\" src=\"https:\/\/images.euronews.com\/articles\/stories\/09\/84\/17\/32\/480x270_cmsv2_1fb5ed8a-5739-56a2-bb23-f1c8323dbe6a-9841732.jpg\" loading=\"lazy\" alt=\"File - The UniCredit bank logo is seen on the bank&apos;s headquarters in downtown Milan, Italy, Sunday, 5 October 2008 \" height=\"9\" width=\"16\"><\/figure>\n<div class=\"the-media-object__content\">\n                    Economy<\/p>\n<h3 class=\"the-media-object__title  \">\n<p>    EU unveils banking reforms to unlock billions in investment<br \/>\n  <\/h3>\n<\/div>\n<\/article>\n<article id=\"abe-2910307-pos2-c-article-you-might-also-like__item\" class=\"the-media-object m-modeMobile-1 m-modeDesktop-1 m-modeXL-1\" data-nid=\"2910307\" data-cid=\"9840267\" data-part-label=\"Partner content\">\n<figure id=\"abe-2910307-label-pos2-c-article-you-might-also-like__item\" class=\"the-media-object__figure\"><img decoding=\"async\" class=\"the-media-object__image\" src=\"https:\/\/images.euronews.com\/articles\/stories\/09\/84\/02\/67\/480x270_cmsv2_14005598-d579-5cef-be0a-9f3047de33a1-9840267.jpg\" loading=\"lazy\" alt=\"Real wages in Europe.\" height=\"9\" width=\"16\"><\/figure>\n<div class=\"the-media-object__content\">\n                    Economy<\/p>\n<h3 class=\"the-media-object__title  \">\n<p>    Does your salary buy as much as five years ago? Europe compared<br \/>\n  <\/h3>\n<\/div>\n<\/article>\n<\/div>\n<\/div>\n<div class=\"perf-cv-auto\">\n<ul id=\"adb-article-tags\" class=\"c-tags-list\">\n<li class=\"c-tags-list__item\">\n<section class=\"tc-cta\" data-twig-component=\"Cta-default\">\n  Banking<br \/>\n<\/section>\n<\/li>\n<li class=\"c-tags-list__item\">\n<section class=\"tc-cta\" data-twig-component=\"Cta-default\">\n  European Commission<br \/>\n<\/section>\n<\/li>\n<li class=\"c-tags-list__item\">\n<section class=\"tc-cta\" data-twig-component=\"Cta-default\">\n  Bank<br \/>\n<\/section>\n<\/li>\n<li class=\"c-tags-list__item\">\n<section class=\"tc-cta\" data-twig-component=\"Cta-default\">\n  Investment<br \/>\n<\/section>\n<\/li>\n<li class=\"c-tags-list__item\">\n<section class=\"tc-cta\" data-twig-component=\"Cta-default\">\n  ECB<br \/>\n<\/section>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<aside class=\"o-article-newsy__aside\">\n<div class=\"c-ad-wrapper o-article-newsy__aside__content-1\" data-ad-name=\"adzone-halfpage\">\n<div class=\"c-ad c-ad-halfpage u-show-for-desktop\">\n<div class=\"c-ad__placeholder\"><img loading=\"lazy\" decoding=\"async\" class=\"c-ad__placeholder__logo\" src=\"https:\/\/static.euronews.com\/website\/images\/logos\/logo-euronews-stacked-outlined-72x72-grey-9.svg\" width=\"72\" height=\"72\" alt><span>ADVERTISEMENT<\/span><\/div>\n<\/div>\n<div class=\"c-ad u-show-for-mobile-only\">\n<div class=\"c-ad__placeholder\"><img loading=\"lazy\" decoding=\"async\" class=\"c-ad__placeholder__logo\" src=\"https:\/\/static.euronews.com\/website\/images\/logos\/logo-euronews-stacked-outlined-72x72-grey-9.svg\" width=\"72\" height=\"72\" alt><span>ADVERTISEMENT<\/span><\/div>\n<\/div>\n<\/div>\n<div id=\"adb-article-top-stories\" class=\"perf-cv-auto c-top-stories\">\n<h2 class=\"c-top-stories__title\">Top stories<\/h2>\n<div class=\"c-top-stories__item\">\n<article id=\"abe-2910536-pos2-top-stories\" class=\"the-media-object m-modeMobile-2 m-modeDesktop-2 m-modeXL-2 the-media-object--no-label\" data-nid=\"2910536\" data-cid=\"9841463\" data-part-label=\"Partner content\">\n<figure id=\"abe-2910536-label-pos2-top-stories\" class=\"the-media-object__figure\"><img decoding=\"async\" class=\"the-media-object__image\" src=\"https:\/\/images.euronews.com\/articles\/stories\/09\/84\/14\/63\/320x180_cmsv2_ada1aa86-625c-50f3-ac7f-678db575e6fe-9841463.jpg\" loading=\"lazy\" alt=\"BlackRock headquarters in New York, Feb. 2006\" height=\"9\" width=\"16\"><\/figure>\n<div class=\"the-media-object__content\">\n<h3 class=\"the-media-object__title  \">\n<p>    BlackRock tops $15tn: Where does the financial giant put it all?<br \/>\n  <\/h3>\n<\/div>\n<\/article>\n<\/div>\n<div class=\"c-top-stories__item\">\n<article id=\"abe-2910528-pos3-top-stories\" class=\"the-media-object m-modeMobile-2 m-modeDesktop-2 m-modeXL-2 the-media-object--no-label\" data-nid=\"2910528\" data-cid=\"9841394\" data-part-label=\"Partner content\">\n<figure id=\"abe-2910528-label-pos3-top-stories\" class=\"the-media-object__figure\"><img decoding=\"async\" class=\"the-media-object__image\" src=\"https:\/\/images.euronews.com\/articles\/stories\/09\/84\/13\/94\/320x180_cmsv2_55d6ea8b-bce5-5e4f-b16e-3a2a2986d0d8-9841394.jpg\" loading=\"lazy\" alt=\"President Donald Trump holds up an image taken from his File - Truth Social account at an event about coal, on 4 June 2026, in the Oval Office of the White House in Washington\" height=\"9\" width=\"16\"><\/figure>\n<div class=\"the-media-object__content\">\n<h3 class=\"the-media-object__title  \">\n<p>    Trump Media to sell faster access to key market-moving social posts<br \/>\n  <\/h3>\n<\/div>\n<\/article>\n<\/div>\n<div class=\"c-top-stories__item\">\n<article id=\"abe-2910492-pos4-top-stories\" class=\"the-media-object m-modeMobile-2 m-modeDesktop-2 m-modeXL-2 the-media-object--no-label\" data-nid=\"2910492\" data-cid=\"9841210\" data-part-label=\"Partner content\">\n<figure id=\"abe-2910492-label-pos4-top-stories\" class=\"the-media-object__figure\"><img decoding=\"async\" class=\"the-media-object__image\" src=\"https:\/\/images.euronews.com\/articles\/stories\/09\/84\/12\/10\/320x180_cmsv2_5aeb9226-e683-5412-a367-4743694bb647-9841210.jpg\" loading=\"lazy\" alt=\"File - A Save our Steel sticker is pictured on the helmet of a worker at one of the Blast Furnaces at British Steel&apos;s steelworks site in Scunthorpe, England. 15 April 2025\" height=\"9\" width=\"16\"><\/figure>\n<div class=\"the-media-object__content\">\n<h3 class=\"the-media-object__title  \">\n<p>    China \u2018firmly opposes\u2019 UK nationalisation of British Steel<br \/>\n  <\/h3>\n<\/div>\n<\/article>\n<\/div>\n<div class=\"c-top-stories__item\">\n<article id=\"abe-2910307-pos5-top-stories\" class=\"the-media-object m-modeMobile-2 m-modeDesktop-2 m-modeXL-2 the-media-object--no-label\" data-nid=\"2910307\" data-cid=\"9840267\" data-part-label=\"Partner content\">\n<figure id=\"abe-2910307-label-pos5-top-stories\" class=\"the-media-object__figure\"><img decoding=\"async\" class=\"the-media-object__image\" src=\"https:\/\/images.euronews.com\/articles\/stories\/09\/84\/02\/67\/320x180_cmsv2_14005598-d579-5cef-be0a-9f3047de33a1-9840267.jpg\" loading=\"lazy\" alt=\"Real wages in Europe.\" height=\"9\" width=\"16\"><\/figure>\n<div class=\"the-media-object__content\">\n<h3 class=\"the-media-object__title  \">\n<p>    Does your salary buy as much as five years ago? Europe compared<br \/>\n  <\/h3>\n<\/div>\n<\/article>\n<\/div>\n<div class=\"c-top-stories__item\">\n<article id=\"abe-2910050-pos6-top-stories\" class=\"the-media-object m-modeMobile-2 m-modeDesktop-2 m-modeXL-2 the-media-object--no-label\" data-nid=\"2910050\" data-cid=\"9838928\" data-part-label=\"Partner content\">\n<figure id=\"abe-2910050-label-pos6-top-stories\" class=\"the-media-object__figure\"><img decoding=\"async\" class=\"the-media-object__image\" src=\"https:\/\/images.euronews.com\/articles\/stories\/09\/83\/89\/28\/320x180_cmsv2_d89047fc-3ed3-5c1d-b36f-6e40d7a909ff-9838928.jpg\" loading=\"lazy\" alt=\"File - An aircraft of Emirates airlines flies past the moon after the start at the airport in Frankfurt, Germany, Wednesday, 5 April 2023. \" height=\"9\" width=\"16\"><\/figure>\n<div class=\"the-media-object__content\">\n<h3 class=\"the-media-object__title  \">\n<p>    The world&#8217;s most profitable airlines: Record earnings collide with war<br \/>\n  <\/h3>\n<\/div>\n<\/article>\n<\/div>\n<\/div>\n<div class=\"perf-cv-auto c-ad-wrapper o-article-newsy__aside__content-2\" data-ad-name=\"adzone-halfpage\">\n<div class=\"c-ad c-ad-halfpage u-show-for-desktop\">\n<div class=\"c-ad__placeholder\"><img loading=\"lazy\" decoding=\"async\" class=\"c-ad__placeholder__logo\" src=\"https:\/\/static.euronews.com\/website\/images\/logos\/logo-euronews-stacked-outlined-72x72-grey-9.svg\" width=\"72\" height=\"72\" alt><span>ADVERTISEMENT<\/span><\/div>\n<\/div>\n<div class=\"c-ad u-show-for-mobile-only\">\n<div class=\"c-ad__placeholder\"><img loading=\"lazy\" decoding=\"async\" class=\"c-ad__placeholder__logo\" src=\"https:\/\/static.euronews.com\/website\/images\/logos\/logo-euronews-stacked-outlined-72x72-grey-9.svg\" width=\"72\" height=\"72\" alt><span>ADVERTISEMENT<\/span><\/div>\n<\/div>\n<\/div>\n<div class=\"perf-cv-auto c-most-viewed\">\n<h2 class=\"c-most-viewed__title qa-section-title\">Most read<\/h2>\n<div class=\"c-most-viewed__list\">\n<div class=\"c-most-viewed__item\"><span class=\"c-most-viewed__item__number\">1<\/span><\/p>\n<article id=\"abe-2910492-pos1-mostViewed\" class=\"the-media-object m-modeMobile-3 m-modeDesktop-3 m-modeXL-3 the-media-object--no-label\" data-nid=\"2910492\" data-cid=\"9841210\" data-part-label=\"Partner content\">\n<div class=\"the-media-object__content\">\n<h3 class=\"the-media-object__title  \">\n<p>    China \u2018firmly opposes\u2019 UK nationalisation of British Steel<br \/>\n  <\/h3>\n<\/div>\n<\/article>\n<\/div>\n<div class=\"c-most-viewed__item\"><span class=\"c-most-viewed__item__number\">2<\/span><\/p>\n<article id=\"abe-2910307-pos2-mostViewed\" class=\"the-media-object m-modeMobile-3 m-modeDesktop-3 m-modeXL-3 the-media-object--has-related the-media-object--no-label\" data-nid=\"2910307\" data-cid=\"9840267\" data-part-label=\"Partner content\">\n<div class=\"the-media-object__content\">\n<h3 class=\"the-media-object__title  \">\n<p>    Does your salary buy as much as five years ago? 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The UniCredit bank logo is seen on the bank&apos;s headquarters in downtown Milan, Italy, Sunday, 5 October 2008 \" height=\"9\" width=\"16\"><\/figure>\n<div class=\"the-media-object__content\">\n                    Economy<\/p>\n<h3 class=\"the-media-object__title  \">\n<p>    EU unveils banking reforms to unlock billions in investment<br \/>\n  <\/h3>\n<\/div>\n<\/article>\n<article id=\"abe-2910307-pos2-c-article-you-might-also-like__item\" class=\"the-media-object m-modeMobile-1 m-modeDesktop-1 m-modeXL-1\" data-nid=\"2910307\" data-cid=\"9840267\" data-part-label=\"Partner content\">\n<figure id=\"abe-2910307-label-pos2-c-article-you-might-also-like__item\" class=\"the-media-object__figure\"><img decoding=\"async\" class=\"the-media-object__image\" src=\"https:\/\/images.euronews.com\/articles\/stories\/09\/84\/02\/67\/480x270_cmsv2_14005598-d579-5cef-be0a-9f3047de33a1-9840267.jpg\" loading=\"lazy\" alt=\"Real wages in Europe.\" height=\"9\" width=\"16\"><\/figure>\n<div class=\"the-media-object__content\">\n                    Economy<\/p>\n<h3 class=\"the-media-object__title  \">\n<p>    Does your salary buy as much as five years ago? Europe compared<br \/>\n  <\/h3>\n<\/div>\n<\/article>\n<article id=\"abe-2910536-pos2-top-stories\" class=\"the-media-object m-modeMobile-2 m-modeDesktop-2 m-modeXL-2 the-media-object--no-label\" data-nid=\"2910536\" data-cid=\"9841463\" data-part-label=\"Partner content\">\n<figure id=\"abe-2910536-label-pos2-top-stories\" class=\"the-media-object__figure\"><img decoding=\"async\" class=\"the-media-object__image\" src=\"https:\/\/images.euronews.com\/articles\/stories\/09\/84\/14\/63\/320x180_cmsv2_ada1aa86-625c-50f3-ac7f-678db575e6fe-9841463.jpg\" loading=\"lazy\" alt=\"BlackRock headquarters in New York, Feb. 2006\" height=\"9\" width=\"16\"><\/figure>\n<div class=\"the-media-object__content\">\n<h3 class=\"the-media-object__title  \">\n<p>    BlackRock tops $15tn: Where does the financial giant put it all?<br \/>\n  <\/h3>\n<\/div>\n<\/article>\n<article id=\"abe-2910528-pos3-top-stories\" class=\"the-media-object m-modeMobile-2 m-modeDesktop-2 m-modeXL-2 the-media-object--no-label\" data-nid=\"2910528\" data-cid=\"9841394\" data-part-label=\"Partner content\">\n<figure id=\"abe-2910528-label-pos3-top-stories\" class=\"the-media-object__figure\"><img decoding=\"async\" class=\"the-media-object__image\" src=\"https:\/\/images.euronews.com\/articles\/stories\/09\/84\/13\/94\/320x180_cmsv2_55d6ea8b-bce5-5e4f-b16e-3a2a2986d0d8-9841394.jpg\" loading=\"lazy\" alt=\"President Donald Trump holds up an image taken from his File - Truth Social account at an event about coal, on 4 June 2026, in the Oval Office of the White House in Washington\" height=\"9\" width=\"16\"><\/figure>\n<div class=\"the-media-object__content\">\n<h3 class=\"the-media-object__title  \">\n<p>    Trump Media to sell faster access to key market-moving social posts<br \/>\n  <\/h3>\n<\/div>\n<\/article>\n<article id=\"abe-2910492-pos4-top-stories\" class=\"the-media-object m-modeMobile-2 m-modeDesktop-2 m-modeXL-2 the-media-object--no-label\" data-nid=\"2910492\" data-cid=\"9841210\" data-part-label=\"Partner content\">\n<figure id=\"abe-2910492-label-pos4-top-stories\" class=\"the-media-object__figure\"><img decoding=\"async\" class=\"the-media-object__image\" src=\"https:\/\/images.euronews.com\/articles\/stories\/09\/84\/12\/10\/320x180_cmsv2_5aeb9226-e683-5412-a367-4743694bb647-9841210.jpg\" loading=\"lazy\" alt=\"File - A Save our Steel sticker is pictured on the helmet of a worker at one of the Blast Furnaces at British Steel&apos;s steelworks site in Scunthorpe, England. 15 April 2025\" height=\"9\" width=\"16\"><\/figure>\n<div class=\"the-media-object__content\">\n<h3 class=\"the-media-object__title  \">\n<p>    China \u2018firmly opposes\u2019 UK nationalisation of British Steel<br \/>\n  <\/h3>\n<\/div>\n<\/article>\n<article id=\"abe-2910307-pos5-top-stories\" class=\"the-media-object m-modeMobile-2 m-modeDesktop-2 m-modeXL-2 the-media-object--no-label\" data-nid=\"2910307\" data-cid=\"9840267\" data-part-label=\"Partner content\">\n<figure id=\"abe-2910307-label-pos5-top-stories\" class=\"the-media-object__figure\"><img decoding=\"async\" class=\"the-media-object__image\" src=\"https:\/\/images.euronews.com\/articles\/stories\/09\/84\/02\/67\/320x180_cmsv2_14005598-d579-5cef-be0a-9f3047de33a1-9840267.jpg\" loading=\"lazy\" alt=\"Real wages in Europe.\" height=\"9\" width=\"16\"><\/figure>\n<div class=\"the-media-object__content\">\n<h3 class=\"the-media-object__title  \">\n<p>    Does your salary buy as much as five years ago? Europe compared<br \/>\n  <\/h3>\n<\/div>\n<\/article>\n<article id=\"abe-2910050-pos6-top-stories\" class=\"the-media-object m-modeMobile-2 m-modeDesktop-2 m-modeXL-2 the-media-object--no-label\" data-nid=\"2910050\" data-cid=\"9838928\" data-part-label=\"Partner content\">\n<figure id=\"abe-2910050-label-pos6-top-stories\" class=\"the-media-object__figure\"><img decoding=\"async\" class=\"the-media-object__image\" src=\"https:\/\/images.euronews.com\/articles\/stories\/09\/83\/89\/28\/320x180_cmsv2_d89047fc-3ed3-5c1d-b36f-6e40d7a909ff-9838928.jpg\" loading=\"lazy\" alt=\"File - An aircraft of Emirates airlines flies past the moon after the start at the airport in Frankfurt, Germany, Wednesday, 5 April 2023. \" height=\"9\" width=\"16\"><\/figure>\n<div class=\"the-media-object__content\">\n<h3 class=\"the-media-object__title  \">\n<p>    The world&#8217;s most profitable airlines: Record earnings collide with war<br \/>\n  <\/h3>\n<\/div>\n<\/article>\n<article id=\"abe-2910492-pos1-mostViewed\" class=\"the-media-object m-modeMobile-3 m-modeDesktop-3 m-modeXL-3 the-media-object--no-label\" data-nid=\"2910492\" data-cid=\"9841210\" data-part-label=\"Partner content\">\n<div class=\"the-media-object__content\">\n<h3 class=\"the-media-object__title  \">\n<p>    China \u2018firmly opposes\u2019 UK nationalisation of British Steel<br \/>\n  <\/h3>\n<\/div>\n<\/article>\n<article id=\"abe-2910307-pos2-mostViewed\" class=\"the-media-object m-modeMobile-3 m-modeDesktop-3 m-modeXL-3 the-media-object--has-related the-media-object--no-label\" data-nid=\"2910307\" data-cid=\"9840267\" data-part-label=\"Partner content\">\n<div class=\"the-media-object__content\">\n<h3 class=\"the-media-object__title  \">\n<p>    Does your salary buy as much as five years ago? Europe compared<br \/>\n  <\/h3>\n<\/div>\n<\/article>\n<article id=\"abe-2910544-pos3-mostViewed\" class=\"the-media-object m-modeMobile-3 m-modeDesktop-3 m-modeXL-3 the-media-object--has-related the-media-object--no-label\" data-nid=\"2910544\" data-cid=\"9841581\" data-part-label=\"Partner content\">\n<div class=\"the-media-object__content\">\n<h3 class=\"the-media-object__title  \">\n<p>    Diesel and petrol prices to jump sharply next week<br \/>\n  <\/h3>\n<\/div>\n<\/article>\n<article id=\"abe-2908815-pos4-mostViewed\" class=\"the-media-object m-modeMobile-3 m-modeDesktop-3 m-modeXL-3 the-media-object--has-related the-media-object--no-label\" data-nid=\"2908815\" data-cid=\"9833282\" data-part-label=\"Partner content\">\n<div class=\"the-media-object__content\">\n<h3 class=\"the-media-object__title  \">\n<p>    Holiday prices in Europe: Which country is cheapest?<br \/>\n  <\/h3>\n<\/div>\n<\/article>\n<article id=\"abe-2907892-pos5-mostViewed\" class=\"the-media-object m-modeMobile-3 m-modeDesktop-3 m-modeXL-3 the-media-object--no-label\" data-nid=\"2907892\" data-cid=\"9828224\" data-part-label=\"Partner content\">\n<div class=\"the-media-object__content\">\n<h3 class=\"the-media-object__title  \">\n<p>    Dubai&#8217;s new startup campus wants to be the front door for founders<br \/>\n  <\/h3>\n<div class=\"the-media-object__quote\">Partner content presented by <strong>Dubai Chamber of Digital Economy<\/strong><\/div>\n<\/div>\n<\/article>\n<div class=\"articleBody\" data-key=\"articleBody\">The European Commission urged changes in a report on Friday to improve the competitiveness of the bloc&#8217;s banking sector, laying the political groundwork for what could become a substantial overhaul of EU banking rules to unlock billions in capital.Despite a decade of progress under the Banking Union, Europe&#8217;s banking market remains fragmented along national borders. The Commission argues that this limits the banking sector&#8217;s ability to support businesses and households across the EU.The report proposes measures to encourage more cross-border banking, simplifying supervisory rules and deepen the integration of EU capital markets through closer links with the Savings and Investments Union. It follows a year-long push from the Commission to simplify rules, which Brussels says will not lead to de-regulation even if the proposals look to scale back rules previously enforced by the European Union.According to the Commission, removing these barriers could help finance the bloc&#8217;s estimated \u20ac1.2 trillion in annual investment needs, including in clean technology, defence and artificial intelligence.National authorities could lose some control over banksThe proposals would reduce national discretion as banking rules become more harmonised at EU level. National authorities could have less control over the capital and liquidity held by local subsidiaries, and less scope to block or impose conditions on cross-border mergers and acquisitions.Deposit protection and bank insolvency procedures could also be more closely coordinated at EU level.The Commission argues that a single banking market cannot work if countries continue to add to, interpret or enforce rules differently. The changes could also reduce the amount of capital some banks must hold to absorb losses.Freeing up capital for lendingCross-border banking groups currently have to meet capital and liquidity requirements at both parent company and subsidiary level, which can leave resources tied up in individual countries.The Commission wants authorities responsible for parent banks to have greater powers over entire banking groups.For groups such as UniCredit, BNP Paribas and Santander, the ECB would exercise these powers alongside national authorities. Smaller groups would generally remain under national supervision, with ECB oversight within the Banking Union.Parent banks would have to ensure that subsidiaries have sufficient resources during normal operations and crises. The Commission says the changes could free up capital, cut compliance and funding costs, increase lending and encourage cross-border expansion.However, the Commission stressed that safeguards for creditors and depositors would remain essential. The report states: &#8220;Measures addressing prudential barriers to integration must be accompanied by appropriate safeguards ensuring financial stability across the EU.&#8221;The Commission also plans measures to discourage banks from holding too much debt issued by a single government and to encourage them to diversify their sovereign bond portfolios.Protecting depositsThe Commission plans to review the deposit-insurance framework to ensure equal protection for covered deposits throughout the Banking Union. The changes would also seek to prevent the failure of a cross-border banking group from creating liabilities for individual member states, national budgets or deposit-guarantee schemes.The Commission also wants to make the handling of failing cross-border banks more predictable, allow funds to be distributed more effectively within groups during periods of stress and strengthen emergency liquidity support.Further changesDifferences in how anti-money laundering and consumer protection rules are applied across the EU make it expensive for banks to operate across borders and offer EU-wide products. Banks may need separate IT systems and processes to comply with different national requirements.The Commission will pursue greater harmonisation, including common anti-money laundering rules from July 2027. It will also examine whether national consumer protection requirements unnecessarily fragment the market and assess how regulation can support digital banking and innovation while protecting consumers and maintaining cybersecurity.The Commission&#8217;s report lays the groundwork for measures due to be proposed in the first quarter of 2027.<\/div>\n<p>[analyse_source url=&#8221;https:\/\/www.euronews.com\/business\/2026\/07\/17\/eu-unveils-banking-reform-plan-to-lift-national-barriers-and-unlock-investment&#8221;]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[analyse_image type=&#8221;featured&#8221; src=&#8221;https:\/\/images.euronews.com\/articles\/stories\/09\/84\/17\/32\/1200x675_cmsv2_1fb5ed8a-5739-56a2-bb23-f1c8323dbe6a-9841732.jpg&#8221;] Culture news Athens Photo Festival: A polyphonic celebration of photography Tech News Your phone is destroying your thumbs \u2014 and here&#8217;s how to stop it Europe News Rule of Law in Hungary shows \u2018radical change\u2019 under Magyar, EU says Culture news Oscar-winning Irish actress Brenda Fricker dies aged 81 Culture news Athens [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[90],"tags":[226,36],"class_list":["post-2048380","post","type-post","status-publish","format-standard","hentry","category-international","tag-crawlmanager","tag-euronews-com"],"_links":{"self":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts\/2048380","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2048380"}],"version-history":[{"count":0,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts\/2048380\/revisions"}],"wp:attachment":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2048380"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2048380"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2048380"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}