How to improve European competitiveness, growth and innovation through the rationalization of banking / Juan del Alcazar [et. al.] ; coordinador Francisco Uría. — Madrid : Instituto Español de Analistas Fundación, 202626 p.
. — (Documento de Trabajo nº 43, febrero 2026)Sumario: This document analyzes how the growing complexity of EU banking regulation affects competitiveness, innovation and economic growth. It reviews recent initiatives from European institutions, identifies overlaps and excessive burdens in supervision, and compares the EU framework with approaches in the UK and the US. The report proposes simplifying regulatory layers, improving impact assessments, and rebalancing stability with efficiency and competitiveness. It concludes that rationalization is essential to enhance Europe's financial capacity to support investment and long-term prosperity
