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A decade of borrower-based measures in the banking union

Author

Listed:
  • Durante, Elena
  • Rusnák, Marek
  • Tereanu, Eugen

Abstract

Borrower-based measures (BBMs) are critical tools in the banking union’s macroprudential policy frameworks. They are designed to promote sustainable lending practices and strengthen the resilience of borrowers, lenders and the broader economy. Over the past decade, the adoption of BBMs has significantly increased across countries in the banking union, likely reflecting their effectiveness. This article reviews ten years of experience with the implementation of BBMs within banking union countries, with a view to facilitating peer learning and providing a comprehensive overview of BBM strategies and applications. JEL Classification: G21, G28, E58, R28

Suggested Citation

  • Durante, Elena & Rusnák, Marek & Tereanu, Eugen, 2025. "A decade of borrower-based measures in the banking union," Macroprudential Bulletin, European Central Bank, vol. 29.
    • Handle: RePEc:ecb:ecbmbu:2025:0029:2
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    More about this item

    Keywords

    Borrower-based measures; financial stability; policy design;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
    • E58 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Central Banks and Their Policies
    • R28 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - Household Analysis - - - Government Policy

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