Managing risks to banks and financial institutions

Prudential requirements

EU rules on prudential requirements aim to make the financial sector more stable while ensuring it can support the economy.

Bank recovery and resolution

The EU provides a framework for authorities to manage bank failures effectively.

Deposit guarantee schemes

EU legislation protects bank deposits in the case of bank failure.

Structural reform of the EU banking sector

Information on the European Commission's proposal on banking structural reform, which aims to strengthen the stability of the largest banks.

Winding-up of credit institutions

A single bankruptcy procedure can be applied to credit institutions in all EU countries.

Regulating credit rating agencies

In the wake of the financial crisis, the EU adopted rules on credit rating agencies to restore market confidence and increase investor protection.

Prudential rules for investment firms

Many of the prudential requirements applicable to banks also apply to investment firms. The EU is considering if these rules are appropriate for investment firms, or if a new, more targeted set of rules is needed.

Covered bonds

The EU is working to integrate and improve the efficiency of the covered bonds market.