EU leaders have agreed on a roadmap for eurozone integration beyond the deal on centralised banking supervision, German Chancellor Angela Merkel said.
Specific dates have not yet been agreed for the phases of integration.
But the EU summit chairman, Herman Van Rompuy, said a deal should be reached next year on a joint resolution scheme for winding up failed banks.
Mr Van Rompuy's far-reaching roadmap was the main topic of the two-day Brussels summit.
Speaking after the summit talks, French President Francois Hollande said: "There is no doubt today about the integrity of the eurozone – Europe cannot now be taken by surprise."