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Sprawozdanie Parlamentu Europejskiego z własnej inicjatywy w sprawie unii bankowej w 2019 r. ma zostać poddane pod głosowanie podczas pierwszej marcowej sesji plenarnej. Odnosi się ono do pojawiających się wyzwań i rzeczywistego ryzyka dla europejskiego sektora bankowego: podkreśla się w nim rolę tego sektora w finansowaniu gospodarki realnej, a także porusza kwestie ostrożnościowe oraz zasady restrukturyzacji i uporządkowanej likwidacji. W sprawozdaniu ponownie stwierdza się potrzebę ukończenia ...

We pay special attention to the different types of financial risk discussed in the public debate: equity, housing, corporate debt, public debt sustainability, and banks and insurance companies’ profits. Our assessment does not point to significant risks in the euro area even if attention should be drawn on some local or specific market segments. Even if monetary policy may not be the most appropriate tool to dampen these risks, the ECB has still some policy options to respond to an economic slowdown ...

The November 2019 European Central Bank Financial Stability Review is a very comprehensive report, covering the key risks to financial stability in the euro area. We summarise the report’s main conclusions and complement them with our analysis of housing markets, market interest rate expectations and safe assets, from a financial stability perspective. We emphasise financial stability risks related to climate change and cybersecurity. We compare housing market vulnerabilities and the implementation ...

This paper forms part of a series of five studies on mis-selling of financial products in the EU. The mis-selling of mortgage loans that include floor clauses, foreign currencies (forex) clauses and related products is the subject of this research. We analyse the context, the handling of the problem in the most affected Member States (Croatia, Hungary, Poland, Romania and Spain) and its compatibility with EU law. We conclude with recommendations. This document was provided by Policy Department A ...

This paper is part of a series of five studies on mis-selling of financial products in the EU. The paper analyses three important and highly publicised cases of mis-selling of investment products to retail clients, featuring interesting legal particularities: the Citibank case, the Dexia case and the Fortis case. On the basis of this analysis, the paper draws a number of conclusions on the national and EU regulatory framework in respect of investor compensation. This document was provided by Policy ...

A new Directive on credit agreements relating to residential property aims to facilitate cross-border lending, protect consumers, and prevent irresponsible lending.

This study analyses the main barriers to effective competition in the provision of mortgage credit. The study considers and discusses barriers affecting both the supply (distance, information sharing, cross-selling practices, linkages between mortgage lenders and other market players) and the demand (switching and search costs) side of the market. Based on the available evidence it provides an assessment of the extent to which such barriers restrict competition in the mortgage market.

This briefing note considers household indebtedness in the EU. It distinguishes the situation in different Member States, noting issues such as the different accounting drivers of indebtedness (e.g. mortgages, consumer credit). It considers the economic drivers of indebtedness and of increased indebtedness during the 2000s, reflecting upon both demand and supply factors (noting how interest rates have evolved in key Member States). It also briefly considers risks arising from high indebtedness.