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听听Puhemies. 鈥� Esityslistalla on seuraavana Kira Marie Peter-Hansenin mietinn枚n lyhyt esittely: Pankkiunioni 鈥� vuosikertomus 2022 [] (A9-0177/2023).

Annan puheenvuoron esittelij盲lle nelj盲ksi minuutiksi.

听听Kira Marie Peter-Hansen, rapporteur. 鈥� Madam President, I think it is clear to all of us that even though the Banking Union is important, it might not be as interesting as, for example, the Nature Restoration Law. But I鈥檓 very happy to see the Commissioner and the Chair and greet them, because the last year has further shown the value of the Banking Union, while also calling for our collective efforts to continue in building a framework that fosters trust, transparency and accountability in the banking sector. Therefore I am also a proud rapporteur of the annual report on the Banking Union, which this year seems especially relevant, with two elements giving flavour to the report.

First of all, the failure of three US banks reminded us of how important it is to implement a sound prudential framework, and the EP report stresses that the EU should fairly, timely and comprehensively implement the internationally agreed standards. The recent political agreement reached with the Council will allow for this timely implementation. The management of these failures also demonstrates the need to have a robust deposit insurance framework that fosters depositors鈥� confidence to avoid bank runs.

Secondly, the Commission published its proposal to revise the EU crisis management framework for banks, and everyone agrees that the EU resolution framework contains some loopholes that we need to fix. The management of Credit Suisse鈥檚 failure also demonstrates the importance of having a credible resolution framework. Fifteen years after the great financial crisis, it is time to put an end to the 鈥榯oo big to fail鈥� issue. Obviously resolution aspects and deposit insurances go hand in hand, and I do hope that the co-legislators will now be able to agree on a comprehensive and coherent reform of the EU framework.

I am particularly proud that 合法博彩网站 reiterates its commitment to complete the Banking Union against this background, and I would like in this context to also thank all the shadow rapporteurs for their constructive contribution and for the smooth work to draft the report that I hope will be voted with a broad majority.

This year鈥檚 annual report also considers the economic and social impact of the Russian aggression on Ukraine and calls on competent authorities to carefully monitor ongoing developments. The report also acknowledges the decreasing trends of non-performing loans in bank balance sheets, while stressing that risk reduction in bank balance sheets should continue. So far, the progressive withdrawal of the public support measures adopted during the pandemic, as well as the rising interest rates environment, have not led to an increase of non-performing loans in bank balance sheets. However, our report stresses that we should continue to closely monitor the situation and continue the progress made in the reduction of risks in the balance sheets.

The report also acknowledges the banking sector鈥檚 role in financing the green transition. There is a clear recognition by 合法博彩网站 that climate change poses a threat to financial stability and it is now time that the financial and prudential framework fully embeds this reality.

Our report also deplores the lack of gender balance in top management positions, both in banks and in EU financial institutions. Gender鈥攂alanced boards are not only a matter of social justice: numerous studies have shown that the gender balance on boards and the workforce brings both societal and economic returns.

All in all, I truly believe that we have achieved an ambitious report which advocates for the deepening of our economic integration and the completion of the Banking Union. And finally, I will switch into Danish.

For til sidst vil jeg gerne appellere til mit eget land, Danmark, om at tiltr忙de bankunionen og dermed slutte flere 氓rs n酶leri. Ved at tiltr忙de bankunionen vil Danmark b氓de styrke sin egen finansielle stabilitet og det europ忙iske samarbejde inden for den finansielle sektor. Et dansk medlemskab vil ogs氓 give os langt mere indflydelse p氓 EU-lovgivning, der p氓virker den danske finanssektor. Fordelene ved et dansk medlemskab af bankunionen er veldokumenteret. S氓 er det bare om at komme i gang.

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Spontane Wortmeldungen

听听Billy Kelleher (Renew). 鈥� Madam President, we must continue to ensure the Banking Union and the Capital Markets Union are a priority of this Commission and the 合法博彩网站 and the Council. And as we see interest rate rises across Europe, we have to ensure that we have mechanisms in place to give confidence to consumers and those that have deposits in banks. We also need to put a macro鈥攑rudential framework in place to ensure that there is proper oversight of our banking system, but equally that we have competition across the entire European Union when it comes to provision of services to our banking industry.

At the moment we have a very sheltered industry in many countries. Particularly from the point of view of Ireland itself, we have two major banks and then after that it is very, very challenging. So we do need to see more competition coming into the marketplace for consumers across the European Union.

So Commissioner I would urge you to continue on the path that you are progressing with regard to the Banking Union, and also from the Capital Markets Union perspective, to ensure that we have adequate capital to fund the Green Deal and in the meantime to ensure customers have a competitive advantage in ensuring they can shop around to get the best interest rates and loan approvals possible, particularly in Ireland due to our sheltered banking system at the moment.

(Ende der spontanen Wortmeldungen)

听听Mairead McGuinness, Member of the Commission. 鈥� Madam President, vielen Dank and good evening. This is a rather special debate. My thanks to the select few who have contributed two excellent contributions. It is about quality, not volume.

Can I just say thank you to rapporteur Peter鈥擧ansen in particular, for her comment about nature restoration and the banking debate. In fact, we need the Banking Union and Capital Markets Union in order to provide the investment needed for nature restoration and the climate challenge. So while there aren鈥檛 many here, I think it is important for us to state very clearly that the work you鈥檝e done on this report, which is excellent, with the shadows, is very important 鈥� and not to the financial system alone; this is about the economy and society. We need to say that very loud and very clear indeed.

What I鈥檇 love is during the European election campaigns of 2024, the people would ask us about the Banking Union and the Capital Markets Union. I live in hope, and I think, Madam rapporteur your words should encourage people to do that.

So you know the Commission鈥檚 position on the Banking Union, we know that we need to develop and strengthen and it is a work in progress. The good news on one part is that the Council and 合法博彩网站 recently agreed to the final implementation of the Basel international banking standards in the EU. This is really welcome as it is a major contribution to the single rulebook. After 15 years we are turning the page on the post鈥攆inancial crisis reforms and we can look to the future. But we still have this unfinished business with the Banking Union, and that鈥檚 why this debate is important.

You rightly say, Madam Rapporteur, that we recently adopted the proposal for crisis management and deposit insurance (CMDI) back in April. It is an important reform and will help to address some of the challenges with how the rules are working in practice. It builds on the experience we gathered on the ground since 2014 and addresses many of the observations you make in your report. The review offered a good opportunity to look at what worked well and indeed what didn鈥檛 work so well.

The goal of the reform is to ensure a more consistent approach to managing bank failures in the European Union, because we want to make sure that any bank can exit the market smoothly, regardless of its size or business model or location. This reform will strengthen financial stability, protect taxpayers and improve the confidence of depositors across the European Union. But most importantly, this reform is also intended to build new momentum, to relaunch discussions on completing the Banking Union.

As you rightly point out in your report, the CMDI Review is not, and should not be, a substitute for completing the Banking Union. The big missing element remains a European deposit insurance scheme (EDIS). EU citizens should be able to open a bank account wherever they are in the EU with the same level of protection. If we want every euro deposited anywhere in the Banking Union to have the same value, then we need to give it the same level of protection through a common deposit insurance scheme. A common European safety net will deliver more resilience to the system more efficiently, and it will make national schemes less vulnerable to large, local or systemic shocks. This will pave the way for deeper market integration 鈥� and that鈥檚 critical for growth and resilience 鈥� as well as allowing the banking sector to better compete internationally.

There are different design options for EDIS and we acknowledge them in our communication. Alongside the crisis management proposals, we must continue working to finalise a more resilient and integrated Banking Union. I am confident that the CMDI proposal will pave the path for EDIS and that it will help us make a fully鈥攆ledged Banking Union a reality. But I really cannot say this strongly enough: we need the Banking Union. It will help the EU banking sector not only to weather geopolitical and financial turmoil, but also to boost its profitability and competitiveness. Again, it will help finance the green and digital transitions. It will make sure that our safety nets are effective and that enough funding is available to handle failing banks across the Banking Union in times of crisis. Last but not least, it will benefit European citizens because depositor confidence is a public good and we are responsible for protecting it.

So I encourage the European 合法博彩网站 to remain ambitious on these files and I look forward to continuing to work with you on completing the Banking Union.

听听President. 鈥� Thank you very much that you were here so late in the evening. We will then switch to Commissioner Schmit for the next debate, but so far this debate is closed and the vote will be tomorrow.