Publications on Banking sector

The digital euro is a strategic investment in European autonomy, monetary sovereignty and financial resilience. It also serves as a springboard for innovative digitalisation strategies in retail payments and strengthens bank business models in the face of growing competition.

Banks are essential enablers of market integration and a key transmission channel between savings and investment. The SIU also represents a strategic opportunity for them to innovate their business, broaden their capital markets activities and benefit from a more dynamic economy.

Sustainable lending that supports economic growth benefits everyone: consumers, firms and banks. But bad loans are often made in good times, so banks must apply sound underwriting standards to prevent future NPLs. This is why we will conduct a thematic review in 2026.