1. The role of the banking sector in the EU economy

2. Progress and remaining challenges in the EU single banking market

2.1 Fragmentation along national borders

2.2 Implementing international standards taking into account EU specificities

2.3 Undue complexity in the regulatory framework

3. A way forward for the EU banking sector

3.1 Fostering integration with appropriate safeguards

3.2 Implementing international standards while taking account of EU specificities and ensuring proportionality

3.3 Simplifying the regulatory framework

4. Competitiveness as a shared responsibility

5. Engagement and next steps