Europe Banks

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Europe Banks

Equity Research

17 July 2026 | 7:43PM BST

EUROPE BANKS

European Commission publishes report on banking competitiveness

In short: The European Commission has today (17 July) published a Communication Chris Hallam

+44(20)7552-2958 |

on the competitiveness of the EU banking sector, outlining a set of measures chris.hallam@gs.com

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designed to make European banks more integrated, efficient, and competitive.

Sofie PeterzensAmong other proposals, the European Commission indicates it will remove the +44(20)7051-5283 |

P2R related to the leverage ratio, which we previously highlighted (see here) sofie.peterzens@gs.comGoldman Sachs International

could free up to €180bn in balance sheet capacity for European banks under our Benjamin Caven-Roberts

coverage. Beyond that, the European Commission highlighted obstacles relating to +44(20)7552-7066roberts@gs.com | benjamin.d.caven-

the fragmentation of the single market, burdensome regulation and complexity, and Goldman Sachs International

Kour Sasonnational intervention in bank mergers. Andin +1(332)245-7825 | andin.kour@gs.com

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Sachin NayarWhat are the main challenges cited for European banks? +44(20)7051-2598 |

The Communication outlines three main challenges that European banks are sachin.x.nayar@gs.comGoldman Sachs International

currently facing: (I) fragmentation of the single market for banking, limiting Khushboo Mandani

cross-border activity and scale; (II) regulation which, in certain cases, exceeds +1(332)245-7978khushboo.mandani@gs.com|

international standards; and (III) complexity from the interaction between multiple Goldman Sachs India SPL

rule sets, including reporting requirements. Eraldo Bausano

+44(20)7774-9801 |

eraldo.bausano@gs.com