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1、 European bank competitivenessEnabling banks to play a greater role financing European growth Oliver Wyman2Why read this report?The debate on European competitiveness has entered a decisive phase.With the European Commission advancing its competitiveness agenda,simplification programme,and Savings a

2、nd Investments Union,policymakers have a unique opportunity to strengthen Europes capacity to finance growth.Yet Europe still faces an estimated 1.4 trillion annual investment gap and afinancing system that struggles to channel savings towards productive investment.Competitive,resilient banks will n

3、eed to play a larger role in closing the gap.Banks remain thedominant source of financing for the real economy and are uniquely positioned to connect savings with productive investment.However,successive layers of regulation,increasing supervisory burden,and persistent market fragmentation have redu

4、ced banks capacity and incentives to support the investments most critical to Europes growth.Drawing on analysis of Europes financing system and input from the European Banking Federation and its members,this report examines why Europes current framework is constraining investment,challenges common

5、misconceptions surrounding bank competitiveness,and sets out seven recommendations to enable banks to play a greater role financing European growth.Exhibit 1:7 recommendations to enable banks to play a greater role in financing European growthEurope must enable banks to play a greaterrole financing

6、European growthEuropes strategic challengesEnabling banks to play a greater roleLow economic growthRecommendations to improve EU bank competitivenessGeopolitical re-alignmentMassive investment needs across digital,energy,defenceRegulatory complexity and risk aversionOverly complex and overlapping ru