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

Investment firms in the EU are subject to a dedicated prudential framework, proportionate to their size, activities and risks.

Covered bonds

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

Non-performing loans (NPLs)

EU and national authorities are joining forces to address the risks related to high stocks of NPLs in Europe.