The proposals aim to reinforce the banking prudential regulatory framework to address the longstanding issue of NPLs for all European banks.
Moving from risk reduction to risk sharing, the proposal for a European Deposit Insurance Scheme (EDIS) represents a further step in the completion of the Banking Union whereby all depositors within the Banking Union would enjoy the same level of protection, independent of their geographical location. These measures, amongst others, are key to futureproofing the institutional architecture of EMU.