In-Depth Analysis: What are the main factors for the subdued profitability of significant banks in the Banking Union, and is the ECB’s supervisory response conclusive and exhaustive?

This paper examines how the ECB should respond to the currently low profitability of significant banks in the Banking Union. The subdued profitability appears to be a structural problem caused by overbanking, with too many bank assets chasing too few profitable banking sector opportunities. To address the root problem of overbanking, the ECB should use its existing supervisory powers to require significant banks with unsustainably low profitability to restructure reducing their overall size. This document was provided by the Economic Governance Support Unit at the request of the ECON Committee.

UPDATED – Agenda: Economic and Financial Affairs Council (5 December 2019)

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OPP Meeting Summary: Economic and Financial Affairs Council – AOB: Current financial services legislative proposals (5 December 2019)

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OPP Meeting Summary: Economic and Financial Affairs Council – Strengthening of the Banking Union – Progress Report (5 December 2019)

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Agenda: EP ECON Committee (12 December 2019)

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Progress on financial services legislative files

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OPP Meeting Summary: EP ECON Committee – Consideration of draft report: Banking Union – annual report 2019 (3 December 2019)

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OPP Meeting Summary: EP ECON Committee – Consideration of amendments: the European Central Bank – annual report 2018 (3 December 2019)

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Agenda: 627th meeting of the Export Credits Group (17 December 2019)

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UPDATED – Agenda: Economic and Financial Affairs Council (14 June 2019)

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Study: Analysis of the individual and collective loan enforcement laws in the EU Member States

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OPP Meeting Summary: EP ECON Committee – Monetary dialogue with Christine Lagarde (2 December 2019)

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Draft Report: The proposal for a directive of the European Parliament and of the Council on credit servicers, credit purchasers and the recovery of collateral

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Press Release: EBA confirms progress in banks’ balance-sheet repair but points to a bleak outlook for their profitability

The European Banking Authority (EBA) published today its annual Report on risks and vulnerabilities in the EU banking sector. The Report is accompanied by the publication of the 2019 EU-wide transparency exercise, which provides detailed information, in a comparable and accessible format, for 131 banks across the EU. Overall, EU banks’ solvency ratios remained stable, while the NPL ratio further contracted. Amidst low profitability, a proactive management of operating expenses is essential.

UPDATED – Progress report: Strengthening of the Banking Union

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Letter from Andrea Enria, Chair of the Supervisory Board, to Mr Papadimoulis, MEP, on bank fees

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‘I’ Item Note: Proposal for a Directive of the European Parliament and of the Council on accelarated extrajudicial collateral enforcement mechanism

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Press Release: Non-performing loans: Council adopts position on a new mechanism for out-of-court enforcement

EU ambassadors today approved the Council’s position on a proposal for a common framework and minimum requirements for out-of-court mechanism to recover the value from loans guaranteed with collateral in case the borrower is not able to pay it back. Effective out-of-court enforcement can help prevent the accumulation of non-performing loans (NPLs), as it provides banks with legal instruments to recover collateral more quickly. Negotiations with the European Parliament can proceed as soon as the Parliament has agreed its stance.

Letter from the ECB President to Mr Ernest Urtasun, MEP, on monetary policy

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OPP Meeting Summary: EP ECON Committee – Economic Dialogue and exchange of views with Mário Centeno, President of the Eurogroup (18 November 2019)

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Question for Written Answer: ‘Hercules programme: non-performing loans (NPLs) and protection of counterparty borrowers’

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Speech: New Developments in European Banking Supervision

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In-Depth Analysis: Country-Specific Recommendations in banking – November 2019

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