10 Amendments of Lídia PEREIRA related to 2024/2055(INI)
Amendment 12 #
Motion for a resolution
Recital A
Recital A
A. whereas the Banking Union (BU) encompasses the Single Supervisory Mechanism, the Single Resolution Mechanism and high minimum standards in the area of deposit insurance, which nonetheless do not include the needed European deposit insurance scheme (EDIS), the third pillar of the BU proposed more than a decade ago;
Amendment 30 #
Motion for a resolution
Recital D a (new)
Recital D a (new)
Da. whereas concluding the reform of the EU frameworks for bank crisis management and deposit insurance (EDIS), focusing particularly on small and medium-sized banks, is fundamental in order to provide Europe's banking sector with security, stability and resilience and a complete banking union with a true European deposit insurance scheme (EDIS) is a basic condition for ensuring that citizens trust European banks;
Amendment 83 #
Motion for a resolution
Paragraph 3 a (new)
Paragraph 3 a (new)
3a. Regrets that EU banks' cross- border activity is still rather limited, particularly with regard to granting loans; takes the view, therefore, that it is important to complete the BU in order to uphold the free movement of capital in a fully integrated internal market;
Amendment 96 #
Motion for a resolution
Paragraph 5 a (new)
Paragraph 5 a (new)
5a. Considers it essential to ensure high levels of public trust in the banking sector and maintains that the relationship should be built on: banks' provision of competitive, modern and transparent banking services; the provision of efficient supervisory, resolution and deposit protection schemes by Member States and EU authorities; and a commitment by all actors in the EU banking sector to improve Europeans' financial literacy in order to support saving and investment by families and businesses;
Amendment 105 #
Motion for a resolution
Paragraph 5 b (new)
Paragraph 5 b (new)
5b. Takes the view that the banking sector is sufficiently regulated on supervisory and resolution matters and that it is therefore necessary to limit substantial changes in the legal framework to concrete aspects that work towards the goals of digitalisation, modernisation, simplification, streamlining and increased competitiveness; maintains that legal certainty, security, predictability and stability are essential for EU banks to be able to operate under favourable conditions;
Amendment 133 #
Motion for a resolution
Paragraph 8 a (new)
Paragraph 8 a (new)
8a. Notes that the ratio of non- performing loans has remained stable at around 2.30 % since the third quarter of 2022; notes that, in absolute terms, the EUR 356.1 billion in non-performing loans recorded at the 110 supervised institutions compare to EUR 988.9 billion in non-performing loans recorded at the 102 supervised institutions in the second quarter of 2015, which reflects a significant downward trajectory, leaving the total non-performing loan stock at 36 % of what it was in 2015; considers that there should be a real effort to reduce European banks' exposure to that type of loan;
Amendment 138 #
Motion for a resolution
Paragraph 8 b (new)
Paragraph 8 b (new)
8b. Notes, in this regard, the varying levels of exposure to non-performing loans and recalls that there are Member States which have exposure levels in the order of 1 % or even lower, while other Member States have exposure levels exceeding 3 % or even 4 %;
Amendment 205 #
Motion for a resolution
Paragraph 16
Paragraph 16
16. Highlights that liquidity support in resolution should not be based on any additional public funds; notemaintains that any reliance on taxpayer money for the resolution of banks should be avoided;
Amendment 234 #
Motion for a resolution
Paragraph 21
Paragraph 21
21. Underlines the fact that the Commission’s proposal to establish a European deposit insurance scheme was published back in 2015, and that the landscape has changed significantly since then, although this does not diminish the advantages of adopting the scheme;
Amendment 235 #
Motion for a resolution
Paragraph 21 a (new)
Paragraph 21 a (new)
21a. Considers that the change in the circumstances that prompted the original proposal for a European deposit insurance scheme (EDIS) does not entail a reason for removing the scheme or curtailing its goals; considers that, on the contrary, the period of relative financial stability should be used to adopt the EDIS; regrets the fact that the process has come to a halt; calls for the swift adoption of the EDIS;