Where the law stands, Dossier 2025/2136(INI)
Banking Union – annual report 2025
Own-initiative report (INI): Parliament’s own position on a topic. It is not binding. · First reading
Parliament sets out its own position on a topic. The resolution is not binding but signals what Parliament wants.
Where it stands
Parliament’s position
Parliament adopted the text on 30 April 2026. This is its final position on the matter.
- Referred to committee(done) 10 July 2025
- Committee work(done) Report adopted 18 March 2026
- Tabled for plenary(done) 30 March 2026
- Plenary vote(done) Adopted 30 April 2026
- Parliament’s position(done) Final
Decided in plenary
30 April 2026 · decision 9
Economy & single market, Resolution
Banking Union – annual report 2025
Adopted 376 for · 187 against · 17 abstained by a large majority
AI summary:The report stresses that the Banking Union remains incomplete without a European Deposit Insurance Scheme and calls for action on risks from non-bank financial intermediaries.
What changed
Latest Tabled for plenary → Adopted by Parliament
AI summary:The only substantive change removes a call for stronger supervisory guidance on climate alignment.
Committee draft → Tabled for plenary
AI summary:The report broadens its scope to include new topics such as NBFIs, geopolitical impacts, and the Savings and Investments Union, while softening calls for a fully fledged EDIS. It adds new paragraphs on interest rate disparities, cross-border retail banking, digital euro progress, and NBFI risks, while removing calls for a bank solidarity contribution. It updates paragraphs on Basel III, crypto-assets, and crisis management, adding details on implementation and equivalence reviews. It adds a note on risk sharing and updates financial indicators, and changes the tone on EDIS to gradual development. The other changes are formal: renumbering of paragraphs and minor wording adjustments.
Who works on it
- Lead committee
- Economic and Monetary Affairs
- The MEP who drafts the report and negotiates it on behalf of the committee.
- Evelyn Regner (S&D)
- An MEP who follows a report on behalf of their own group when another group holds the rapporteur.
- Michalis Hadjipantela (EPP), Auke Zijlstra (Patriots), Marlena Maląg (ECR), Gilles Boyer (Renew), Virginijus Sinkevičius (Greens), Jussi Saramo (The Left)
The text, version by version
Newest first.
Adopted by Parliament· 30 Apr 2026
AI summary:This resolution on the Banking Union annual report 2025 welcomes progress under the Single Supervisory Mechanism and Single Resolution Mechanism, and calls for completing the Banking Union, including a European Deposit Insurance Scheme.
Tabled for plenary· 30 Mar 2026
AI summary:This resolution is Parliament's annual report on the Banking Union for 2025. It welcomes progress under the Single Supervisory Mechanism and Single Resolution Mechanism, calls for completing the Banking Union including a European Deposit Insurance Scheme, and addresses supervision, resolution, and deposit insurance.
Committee draft· 3 Dec 2025
AI summary:This draft report on the Banking Union annual report 2025 welcomes progress with the Single Supervisory Mechanism and the Single Resolution Mechanism, and calls for the full completion of the Banking Union, including a fully fledged European Deposit Insurance Scheme.
Timeline
Newest first.
Plenary stage 2 steps
30 April 2026
Plenary vote
Sitting of 30 Apr 2026 Report A10-0079/2026Adopted text TA10-0159/2026
30 March 2026
Report tabled for plenary
This is the text all MEPs vote on. Political groups can still table amendments to it.
Committee stage 4 steps
18 March 2026
Committee vote: report adopted
ECON (Economic and Monetary Affairs) voted on the amendments and adopted the report that goes to plenary.
19 January 2026
Amendments tabled in committee
Members of ECON (Economic and Monetary Affairs) proposed changes to the draft.
3 December 2025
Draft report published
The rapporteur’s first text in ECON (Economic and Monetary Affairs). Members can table amendments before the committee votes.
10 July 2025
Referred to the ECON (Economic and Monetary Affairs) committee
The lead committee prepares Parliament’s report.
Official record: Legislative Observatory, 2025/2136(INI)