Text · Comparison of two versions
Changes from plenary report to adopted text
A-10-2025-0044 → TA-10-2025-0105
- From
- A-10-2025-0044 Plenary report of 26 Mar 2025
- To
- TA-10-2025-0105 Adopted text of 8 May 2025
- Changes
- 4 changes to the text
- Paragraphs
- +5 added · −7 removed · 4 changed
More facts (3)
- Dossier
- 2024/2055(INI)
- Title (from)
- on Banking Union – annual report 2024
- Title (to)
- Banking Union – annual report 2024
AI: What changed, in short Written by AI from the official text — check the source · deepseek-v4-flash · 4 Sept 2026
Changes that matter, 4
Changes to the text in document order — the ones the change notes describe. Cover page, renumbering and punctuation-only edits are left out (see “Every difference”); changes to citations and references stay in and are marked as formal in the notes.
Change 1
ChangedH. whereas the EUR 356.1356,1 billion in non-performing loans recorded at the 110 supervised institutions in 2024, compared with EUR 988.9988,9 billion in non-performing loans recorded at the 102 supervised institutions in the second quarter of 2015, reflects a significant downward trajectory, leaving the total non-performing loan stock at 36 % of its 2015 level; whereas further efforts are required;
AI: Note on change 1 · formal Written by AI from the official text — check the source · deepseek-v4-flash · 4 Sept 2026
Replaces decimal commas with decimal points in the figures for non-performing loans.
Change 2
Added19. Acknowledges the growing phenomenon of bank branch closures, which contributes to the risk of ‘bank desertification’ in certain regions, with a particularly negative impact on vulnerable citizens without digital access; emphasises the critical role smaller banks play in ensuring access to essential banking services, especially in rural and remote areas, thereby supporting households, SMEs and local economies; notes that the high supervisory costs and regulatory burdens can pose significant challenges for smaller banks; underscores the need to apply the principle of proportionality in banking supervision, ensuring that the intensity of regulation is tailored to the size, risk profile and business model of institutions, while taking into account the essential territorial role of smaller banks and their specific characteristics;
AI: Note on change 2 · substance Written by AI from the official text — check the source · deepseek-v4-flash · 4 Sept 2026
Adds a paragraph acknowledging bank branch closures and 'bank desertification', emphasizing the role of smaller banks and the need for proportionality in supervision.
Change 3
Changed20.21. Notes that even within the existing regulatory framework the banking sector has shown its resilience during the market events of recent years, and that the average Common Equity Tier 1 ratio has remained at high levels, at 15.8115,81 %;
AI: Note on change 3 · formal Written by AI from the official text — check the source · deepseek-v4-flash · 4 Sept 2026
Renumbers paragraph 20 to 21 and replaces decimal comma with point in the Common Equity Tier 1 ratio.
Change 4
Changed21.22. Notes that the non-performing loans ratio has remained stable at 2.302,30 % and the liquidity coverage ratio at 159.39159,39 %;
AI: Note on change 4 · formal Written by AI from the official text — check the source · deepseek-v4-flash · 4 Sept 2026
Renumbers paragraph 21 to 22 and replaces decimal commas with points in the non-performing loans and liquidity coverage ratios.
Sources & citation
Where the facts on this page come from, and how to cite it.
- Data source
- Licensed CC BY 4.0.
- Retrieved
- 25 September 2026
Cite as
European Parliament (2025). “Changes between A-10-2025-0044 and TA-10-2025-0105”. Text, 8 May 2025. from A-10-2025-0044, to TA-10-2025-0105, reference 2024/2055(INI). EU Parl Watch Research. https://news.eu-parl.st-solutions.dev/texts/A-10-2025-0044/compare/TA-10-2025-0105 (retrieved 25 September 2026). Data: European Parliament Open Data, https://data.europarl.europa.eu/ (CC BY 4.0).
BibTeX
@misc{epw-text-2025-05-08,
author = {{European Parliament}},
title = {{Changes between A-10-2025-0044 and TA-10-2025-0105}},
year = {2025},
date = {2025-05-08},
howpublished = {\url{https://news.eu-parl.st-solutions.dev/texts/A-10-2025-0044/compare/TA-10-2025-0105}},
url = {https://news.eu-parl.st-solutions.dev/texts/A-10-2025-0044/compare/TA-10-2025-0105},
urldate = {2026-09-25},
publisher = {EU Parl Watch Research},
note = {Text. from A-10-2025-0044, to TA-10-2025-0105, reference 2024/2055(INI). Data: European Parliament Open Data (CC BY 4.0)}
}