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02 September 2025
AFME report identifies Banking Union challenges holding back EU bank consolidation
The Association for Financial Markets in Europe (AFME) has today published a new report evaluating the state of the European Banking Union (BU). The report identifies critical implementation gaps in the BU framework, beyond the well-known existing barrier arising from the absence of a fully completed European Deposit Insurance Scheme (EDIS). These barriers largely stem from the significant discretion granted to Member States withing the Banking Union’s single rule book.



