The Evolution of EU Systemically Important Banks

Mateusz Mokrogulski

doi:10.56583/frp.3134

Published : 2025-06-30

No. 22 (2025)

The Evolution of EU Systemically Important Banks

Mateusz Mokrogulski

https://orcid.org/0000-0003-1290-9126

DOI: https://doi.org/10.56583/frp.3134

Abstract

The main objective of this paper is to describe, in both a quantitative and a qualitative way, the systemically important banks in the EU countries. The analysis begins in 2014 when the new legislation came (CRD IV) came into force and covers both global systemically important institutions (G-SIIs) and other systemically important institutions (O-SIIs). Large banks in the EU may pose systemic risk both globally and locally. The size of G-SIIs is also analysed in relation to the EU27 GDP. In case of O-SIIs the emphasis is put on their diversity across Member States and their dependence on G-SIIs. From the perspective of the Central and Eastern European countries including Poland it is recommended that the EU legislation does not favour large banks that are important globally, but also takes into consideration local banks that play a significant role in the domestic economy. It is the national discretion that is needed when dealing with the problem of systemically important banks.

Keywords:

systemically important banks, macroprudential policy, systemic risk, capital buffer

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Mokrogulski, M. (2025). The Evolution of EU Systemically Important Banks. Fides, Ratio Et Patria. Studia Toruńskie, (22), 109–124. https://doi.org/10.56583/frp.3134

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USTAWA z dnia 5 sierpnia 2015 r. o nadzorze makroostrożnościowym nad systemem finansowym i zarządzaniu kryzysowym w systemie finansowym, t.j. Dz.U. z 2024 r., poz. 559, z 2025 r., poz. 146.

Mateusz Mokrogulski

frep@aksim.edu.pl
https://orcid.org/0000-0003-1290-9126

Affiliation:

Szkoła Główna Handlowa w Warszawie Poland

Bio Statement (e.g., department and rank)

Doktor nauk ekonomicznych, adiunkt w Katedrze Ekonomii Stosowanej Szkoły Głównej Handlowej w Warszawie (SGH), prowadzi badania z zakresu polityki makroostrożnościowej oraz wpływu regulacji makroostrożnościowych na sektor finansowy i sferę realną gospodarki.