Former Prime Minister Alfred Sant told the European Parliament that more attention should be paid to the impact of the new rules introduced with the Banking Union, especially on the changing operating costs of banks and on bank lending propensities, in view of the investment gap that has persisted in the Union over the past years. Dr Sant made this statement during the debate on the “Banking Union – Annual report 2015”. He said an in-depth study of the impact of the banking union as it is being implemented on bank credit in general and SMEs in particular, needs to be carried out with the aim of mitigating any negative consequences in this regard. Most importantly, stated Dr. Sant, we should ensure that the needs of certain Member States are not taken into account at the expense of other Member States.
The Maltese MEP said it is important to ensure that the direction towards banking union is maintained. However it is equally important that the impact of changes that the banking union brings in its wake are tracked in an effective way, for corrective measures to be taken as necessary and quickly, not when it is too late. It cannot simply be assumed that moves towards banking union will be uniformly beneficial. To the contrary, if seen as ‘one-size-fits-all’ solutions, such changes may not effectively address the different economic and financial realities present in Member States.

Maltese Version – IL-MIŻURI ĠODDA TAL-UNJONI BANKARJA GĦANDHOM JINDIRIZZAW IR-REALTAJIET TAL-ISTATI MEMBRI

Il-miżuri l-ġodda tal-Unjoni Bankarja għandhom jindirizzaw ir-realtajiet tal-istati membri u m’għandhomx ikunu kollha tal-istess tip għal kulħadd; dawn il-miżuri m’għandhomx iservu biex jgħollu l-ispiża għas-servizz bankarju għax din toħloq diffikultajiet akbar għall-impriżi żgħar u medji. Dr Alfred Sant, li qal dan fil-Parlament Ewropew waqt id-dibattitu annwali dwar l-Unjoni Bankarja, qal li għandha tingħata attenzjoni lejn l-impatt tar-regoli l-ġodda introdotti bl-Unjoni Bankarja. L-akbar attenzjoni għandha tingħata lit-tibdil fl-ispejjeż tal-operat tal-banek u lil parametri ta’ kemm il-banek lesti li jsellfu, fid-dawl tan-nuqqas ta’ investiment li baqa’ jippersisti fl-Unjoni Ewropea f’dawn l-aħħar snin.
Dr Sant saħaq li jeħtieġ studju fil-fond dwar l-impatt li l-implimentazzjoni tal-Unjoni Bankarja qed ikollha b’mod ġenerali fuq il-kreditu tal-banek u b’mod partikulari fuq l-intrapriżi żgħar u medji. It-twettiq ta’ studju ta’ dan it-tip għandu jsir bl-għan li jnaqqas l-effetti negattivi. Huwa importanti, qal Dr Sant, li nkunu żguri li l-ħtiġijiet ta’ ċerti stati membri mhux jingħataw aktar importanza għad-detriment ta’ stati membri oħra.
Dr Sant qal li huwa importanti li nżommu d-direzzjoni li twassalna lejn l-Unjoni Bankarja. “Imma bl-istess mod huwa importanti wkoll li l-impatt tat-tibdiliet li l-Unjoni Bankarja ġġib magħha jkunu osservati b’mod effettiv. B’hekk il-miżuri korrettivi jittieħdu malajr u meta jkun hemm bżonn u mhux meta jkun tard wisq. Ma nistgħux nassumu li t-triq lejn l-Unjoni Bankarja se tkun ta’ benefiċċju għal kulħadd bl-istess mod. Għall-kuntrarju, jekk se narawhom bħala soluzzjonijiet ‘one-size-fits-all’, jiġifieri l-istess għal kulħadd, it-tibdiliet ma jindirizzawx b’mod effettiv ir-realtajiet ekonomiċi u finanzjari differenti tal-istati membri tal-UE.” temm jgħid Dr. Sant.

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