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This note is prepared in view of an ordinary public hearing with the Chair of the Single Resolution Board (SRB), Elke König, which will take place on 14 March 2022. This briefing (1) addresses mainly the situation of Sberbank Europe that has been declared failing-or-likely-to-fail, giving background information (i) on the bank, (ii) the process, (iii) the actions taken, (iv) the public interest assessments made, and (v) the implications for deposit guarantee schemes. In view of the current situation ...

This briefing summarises key elements of the intended initiative, based on the information that the Commission provided on 10 November 2020 in its related public consultation and additional public sources. The briefing also briefly focuses on other related issues, namely, misalignments between state-aid and resolution and some European Court of Justice decisions with impact on the crisis management framework, and a box focusing on rele-vant aspects of the Commission’s recently released NPL Action ...

Banking Union: What next?

Задълбочен анализ 18-07-2019

This briefing summarises the key areas of possible regulatory initiatives with a view to further completing the Banking Union: (1) EDIS, (2) Further harmonisation of banking law (“single rule book’), (3) Home/host issues, (4) Resolution financing, (5) Further harmonisation of insolvency law, (6) safe assets and regulatory treatment of sovereign exposures and (7) AML supervision. These issues are further explained in additional thematic briefings.

Directive (EU) 2015/849, which forms part of the EU regulatory framework to combat financial crime, has shown gaps in the light of recent terrorist attacks and various tax leaks. In this context, the European Commission proposed to amend the directive, along with Directive 2009/101/EC, to broaden their scope, lower thresholds benefiting from exemptions and provide for the creation of automated centralised mechanisms (e.g. central electronic data retrieval systems). The European Parliament and Council ...

The current EU regulatory framework for financial crime –composed of Directive (EU) 2015/849, and Regulation (EU) 2015/847– faces the challenge of keeping pace with technological innovation in financial services, which can create new opportunities to conceal financing, as well as the potential exploitation by criminals of loopholes in the system. Following approval in committee in January, the report is due to be voted in plenary in April.

Achieving the aim of Europe’s banking union project, to break the vicious circle between banks and sovereigns, requires new policy initiatives. The most direct bank-sovereign linkages are national deposit insurance and concentrated domestic sovereign exposures. Thus, simultaneously with a European Deposit Insurance Scheme (EDIS) as proposed by the European Commission in 2015, the European Union should introduce regulatory disincentives against highly concentrated sovereign exposures of euro area ...

Сферата на прякото данъчно облагане не се регулира пряко от европейските правни норми. Въпреки това няколко директиви и практиката на Съда на Европейския съюз установяват хармонизирани стандарти за данъчното облагане на доходите на предприятията и на физическите лица. Освен това в някои съобщения се подчертава въпросът за предотвратяване на отклонението от данъчно облагане и на двойното данъчно облагане. В центъра на политическите дискусии стои също така издаването в някои от държавите членки на ...

Банков съюз

Информационни фишове за ЕC 01-06-2017

Банковият съюз беше създаден като реакция спрямо финансовата криза и понастоящем включва два елемента, единния надзорен механизъм (ЕНМ) и Единния механизъм за преструктуриране (ЕМП). ЕНМ упражнява надзор върху най-големите и най-важни банки в еврозоната непосредствено на европейско равнище, докато целта на ЕМП е да се извършва организирано преструктуриране на неплатежоспособни банки, като се сведат до минимум разходите за данъкоплатците и за реалната икономика. Понастоящем се обсъжда трети елемент ...

Low and negative interest rates

Задълбочен анализ 23-09-2016

The current very low/negative interest rate environment is the subject of much debate. On one side, the central banks claim that it is not the cause of the problem but the solution, as it should boost investments and spur growth. On the other, a number of Member States claim that the low rates 'expropriate' savers, and financial intermediaries argue that they are putting their tried and tested business models at risk. This analysis introduces interest rates, looks at the causes behind their sustained ...

As part of its ambition to complete the Banking Union, the European Commission proposes the introduction of a European Deposit Insurance Scheme (EDIS), in order to reduce the potential spill-over risk of local bank failures on the financial stability of the economic and monetary union as a whole. According to the proposal of 24 November 2015, the EDIS would be the third pillar of the Banking Union and be introduced gradually, in three separate phases between 2017 and 2024, complementing national ...