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This note is prepared in view of a public hearing with the Chair of the Single Resolution Board (SRB), Elke König, scheduled for 30 November 2022.

The Deposit Guarantee Schemes Directive harmonises a minimum requirement for the funding of Deposit Guarantee Schemes through available financial means, a reserve paid in ex-ante. The Deposit Guarantee Schemes must observe the harmonised minimum target levels as of July 2024. The latest EBA data shows progress in that direction at most Deposit Guarantee Schemes. Three considerations should in particular be borne in mind when assessing the level of funding through available financial means: First ...

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?

Analyse approfondie 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 ...

Le cadre réglementaire actuel de l’Union en matière de criminalité financière, qui se compose de la directive (UE) 2015/849 et du règlement (UE) 2015/847, fait face à un défi: suivre le rythme de l’innovation technologique dans le domaine des services financiers, qui peut engendrer de nouvelles possibilités de dissimuler le financement, ainsi que des possibilités d’exploitation par les criminels des failles du système. À la suite de l’approbation en commission en janvier, le rapport doit être voté ...

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 ...

Fiscalité directe: l’imposition des personnes et des sociétés

Fiches thématiques sur l’UE 01-11-2017

Le domaine de la fiscalité directe n’est pas directement réglementé par la législation européenne. Néanmoins, plusieurs directives ainsi que la jurisprudence de la Cour de justice établissent des normes harmonisées pour l’imposition des sociétés des personnes. En outre, certaines communications soulèvent la question de la prévention de l’évasion fiscale et de l’élimination de la double imposition. Les rescrits fiscaux («tax rulings») dont bénéficient les grandes entreprises dans certains États membres ...

Union bancaire

Fiches thématiques sur l’UE 01-06-2017

L’union bancaire a été créée en réaction à la crise financière et comporte actuellement deux éléments: le mécanisme de surveillance unique (MSU) et le mécanisme de résolution unique (MRU). Le MSU surveille les banques les plus grandes et les plus importantes de la zone euro directement au niveau européen, tandis que l’objectif du MRU est de résoudre les défaillances des banques en difficulté de façon ordonnée et à un coût minimal pour les contribuables et pour l’économie réelle. Un troisième élément ...