16 Amendments of Marlena MALĄG related to 2024/2055(INI)
Amendment 14 #
Motion for a resolution
Recital A a (new)
Recital A a (new)
A a. whereas the main objective of the Banking Union is to safeguard the stability of the banking sector in Europe and prevent the need to bail out banks at risk of failure with taxpayers' money;
Amendment 16 #
Motion for a resolution
Recital A b (new)
Recital A b (new)
A b. whereas the priority of the Banking Union should be to break the state-bank doom loop;
Amendment 26 #
Motion for a resolution
Recital C
Recital C
C. whereas fragmentation and the lack of cross-border consolidationthe specific character of the EU banking sector is affecting its global competitiveness; whereas the profitability gap between EU and US banks has widened;
Amendment 59 #
Motion for a resolution
Paragraph 2
Paragraph 2
2. Notes that a more integrated BU would help to make the EU banking sector more resilient; notes that better cross- border integration of banking business would increase the potential for private risk sharing and ensure diversification in the EU banking market, however, the need to address the problems and challenges associated with the home-host dilemma; notes that greater cross-border market integration requires credible guarantees for host countries to be reflected in EU law;
Amendment 76 #
Motion for a resolution
Paragraph 3
Paragraph 3
3. Regrets that EU banks’ ability to finance major investments is constrained by higher costs, smaller scale and lower profitability that is not sufficient to ensure their competitiveness; notes, however, that the specific character of the EU banking system, with its large number of smaller banks, calls for solutions that take this into account and are tailored to its characteristics;
Amendment 85 #
Motion for a resolution
Paragraph 4
Paragraph 4
4. Acknowledges thatCalls on EU banks still operating in Russia have downsized their activity; calls on supervisory institutions to further assist those banks in pushing ahead with exitto exit the Russian market as soon as possible; calls on supervisory institutions to exert pressure ing the Russian marketis regard;
Amendment 88 #
Motion for a resolution
Paragraph 5
Paragraph 5
Amendment 99 #
Motion for a resolution
Paragraph 5 a (new)
Paragraph 5 a (new)
5 a. Highlights that euro area banks' exposure to domestic sovereign debt remains high, and draws attention to the risks involved; recalls that one of the main objectives of the Banking Union is to break the state-bank doom loop and the link between bank risk and sovereign risk; recalls that the risk of overexposure to sovereign debt has increased as a result of rising interest rates;
Amendment 113 #
Motion for a resolution
Paragraph 6
Paragraph 6
6. Welcomes the adoption by co- legislators of the new banking package implementing Basel III standards in the EU; stresses that the Commission should evaluate thoroughly whether a delay in implementation is necessary to maintain the competitiveness of EU banks; welcomes, in this regard, the delegated act postponing the date of application of the new market risk framework by one year to 1 January 2026;
Amendment 137 #
Motion for a resolution
Paragraph 8 a (new)
Paragraph 8 a (new)
8 a. Draws attention to the rapid development of deferred payment services, which may affect the level of non- performing loans in the future;
Amendment 139 #
Motion for a resolution
Paragraph 9
Paragraph 9
Amendment 171 #
Motion for a resolution
Paragraph 12
Paragraph 12
12. Stresses the need to enhance the resilience of non-bank financial intermediaries and establish a level playing field with the banking sector, including by designing specific regulatory and supervisory tools to prevent a liquidity crisis; points out that such measures must guarantee the security of the system and be in the best interests of the customer;
Amendment 179 #
Motion for a resolution
Paragraph 13
Paragraph 13
13. Welcomes the objective of the proposal on crisis management and deposit insurance of ensuring a more consistent approach across all Member States to the application of resolution tools and deposit protection to enhance financial stability, taxpayer protection and depositor confidence; notes that small banks do not pose any risks to financial stability;
Amendment 226 #
Motion for a resolution
Paragraph 20 a (new)
Paragraph 20 a (new)
20 a. Draws attention to the issue of small banks, whose role in the local banking ecosystem can be regarded as fulfilling the public interest criterion; stresses that such banks stand no chance of meeting the MREL requirements; considers it appropriate for such banks to contribute to national deposit insurance schemes in order to permit an orderly winding-up;
Amendment 245 #
Motion for a resolution
Paragraph 22 a (new)
Paragraph 22 a (new)
22 a. Recognises that a European deposit insurance scheme (EDIS) could improve protection for depositors in the EU; considers, however, that the main obstacle to the introduction of EDIS is risk concerns in some banking systems; stresses that mitigation of this risk is key to reaching an agreement on EDIS;
Amendment 261 #
Motion for a resolution
Paragraph 25
Paragraph 25
25. Recalls that breaking the link between bank and sovereign risk remains a challenge for the BU; emphasises that the risk on banks’ balance sheets can be reduced further through the regulatory treatment of sovereign exposures;