EU-wide stress testing 2014 | European Banking Authority

EBA publishes 2014 EU-wide stress test results
The European Banking Authority (EBA) published today the results of the 2014 EU-wide stress test of 123 banks.
26/10/2014
New EBA infographics and video on the 2014 EU-wide stress test
The new EBA infographics and video will help you find out more about the EU-wide stress test, including how to read key figures and findings, ahead of the release of the 2014 results.
22/10/2014
The EBA announces 2014 EU-wide stress test publication date
The European Banking Authority (EBA) will publish the 2014 EU-wide stress test results on Sunday 26 October 2014.
10/10/2014
The EBA publishes final templates for the 2014 EU-wide stress test
The European Banking Authority published today the final templates for the 2014 EU-wide stress test.
20/08/2014
The EBA publishes details of its stress test scenarios and methodology
The European Banking Authority published today details of its 2014 EU-wide stress test scenarios and methodology.
29/04/2014
The EBA starts an informal discussion with banks on its preliminary draft methodology and templates for the 2014 EU-wide stress test
- Preliminary draft methodology
- Preliminary draft templates
04/03/2014
The EBA announces a new round of stress tests
The EBA announces a new round of stress tests.
31/01/2014

Practical information on the publication of the 2014 EU-wide stress test results

docUments

FAQs on Stress Test .pdf

What the EBA will publish

The EBA will publish the results of the 2014 EU-wide stress test, which covers a sample of 123 EU banks (Euro and non-Euro zone). The disclosure will cover up to 12,000 data points per bank across the entire EU which includes: banks' composition of capital, risk weighted assets (RWAs), profit and loss (P&L), exposures to sovereigns, credit risk and securitisation. The EBA will also disclose a fully loaded Capital Requirements Regulation (CRR)/ Capital Requirements Directive (CRD) IV Common Equity Tier 1 (CET1) capital ratio for each bank for information purposes.

In order to help understand these data sets, the EBA will make available on its website: an aggregate summary report; an interactive map tool summarising the main results and drivers for the results, by country and by bank; bank-by-bank results (reported in the EBA disclosure templates); a set of interactive Excel-tools that provide users with main aggregate and bank-by-bank results and underlying figures; and a downloadable database and data model, including all bank-level information provided in the EBA disclosure templates.

The results will be published in the EBA disclosure templates, blank versions of which are now available on the EBA website.

What the European Central Bank (ECB) and National Supervisory Authorities will publish

National competent authorities, including the ECB, will publish the results for their own geographical areas of competence in the same format as the EBA, please refer directly to the competent authority of your interest for detailed information on what they will publish and when.

Media information point on the stress test results

Please note that this section is exclusively for the information of media representatives. If you are not a media representative, please read the next section at the bottom of this page.

Press activities on the day

The EBA is not organising a press conference, but a locked-in briefing under embargo. An invitation was sent out to alert media of this, if you have not received it and are interested to attend, please contact us on press@eba.europa.eu. Please note that available places are limited.

Media enquires

Media enquiries can be addressed to press email or over the phone. As we deal with enquires from 28 EU Member States, priority is given to media enquiries from the European Union, followed by the European Economic Area and then to enquiries from non-EU countries.

Please note that we have already started allocating interview slots.

Please also note that we will not be able to arrange TV interviews.

What questions the EBA can answer

Please note that the EBA is responsible for defining the methodology of the stress test and then for disclosing the results of all EU banks.

As a consequence, media representatives are advised to note that:

Enquiries related to scenarios should be checked with the ESRB.
The EBA will not comment on the results of single institutions or single countries.
Enquiries related to measures to be undertaken following the stress test results, should be checked with national supervisors (and ECB for euro area).

Contact point for non-media enquiries on the stress test results

If you are not a representative of the media, please use exclusively our info@eba.euopa.eu email address, your enquiry will be dealt compatibly with workload.

We appreciate your help in contacting us only for urgent or important questions that cannot be answered through our website or by the National competent authority in your geographical area.

To this regard, please note that all available information is already disclosed on the EBA website, so we suggest that you take some time to find it. Information or files format that are not available on the EBA website, are not publicly available.

In this multimedia section you will find links to infographics and a video that will help you understand the 2014 EU-wide stress test.

Infographics

The EBA's role in the EU-wide stress test

A brief overview of what the stress test is, why do we need this exercise and who is involved.

Timeline of the EU-wide stress test

An overview of key dates and events, including EBA's contribution to the EU-wide stress test and important regulatory milestones.

How to read the stress test results

How to find and read key figures from the 2014 EU-Wide stress test.

What stress tests do?

The EU-wide stress test measures the resilience of EU banks to adverse economic developments, but does not replace ongoing supervision. Banks' capital positions are assessed under both the baseline and adverse scenario, which do not capture all possible events but give an insight into potential vulnerabilities.

Video

Piers Haben, Director of the EBA Oversight, explains all you need to know about the 2014 EU-wide stress test.

2014 EU-wide stress test results

The European Banking Authority (EBA) published today the results of the 2014 EU-wide stress test of 123 banks.

The aim of the 2014 EU-wide stress test is to assess the resilience of EU banks to adverse economic developments, so as to understand remaining vulnerabilities, complete the repair of the EU banking sector and increase confidence.

The EU-wide stress test is coordinated by the EBA and carried out in cooperation with the European Central Bank (ECB), the European Systemic Risk Board (ESRB), the European Commission (EC) and the Competent Authorities (CAs) from all relevant national jurisdictions.

Stress test document

Tools: Interactive maps, Excel aggregation tools and Stress Test dataset

Summary results

Map tool: overview by country and by bank

Description	What you can get
Country aggregated figures	This file provides country aggregated figures showing the impact of the stress test on capital ratios, as well as the main drivers of the impact. You can use it to compare, for example, the impact of the adverse scenario on Common Equity Tier 1 (CET1) ratio for different countries by year.
Bank-by-bank figures	This file provides bank-by-bank figures showing the impact of the stress test on capital ratios, as well as the main drivers of the impact. You can use it to compare, for example, the impact of the adverse scenario on CET1 ratio for different banks by year.

Credit risk

Map tool: overview by country and by bank

Description	What you can get
Country aggregated figures (by country of the banks)	The figures result from an analysis conducted by the country of the banks. Here you can get, for example, the total amount of credit risk exposures for all the banks of a specific country (AT, DE, ...) broken down by exposure class (corporates, retail, ...), towards all the countries of the counterparty ("domestic" and "non-domestic").
Bank-by-bank figures (by country of the banks)	The figures result from an analysis conducted by the country of the banks. Use it to compare, for example, bank-by-bank credit risk exposures, broken down by exposure class (corporates, retail, ...), towards all the countries of the counterparty ("domestic" and "non-domestic").
Country aggregated figures (by country of the counterparty)	The figures result from an analysis conducted by the country of the counterparty. Here you can get, for example, the total amount of credit risk exposures in a specific country (AT, US,..), broken down by the country of the banks exposed to it (AT, DE,..), for all the exposure classes (corporates, retail, ...).
Bank-by-bank figures (by country of the counterparty)	The figures result from an analysis conducted by the country of the counterparty. Here you can compare, for example, the bank-by-bank credit risk exposures in a specific country (AT, US,..), for all the exposure classes (corporates, retail, ...).

Sovereign exposures

Map tool: overview by country and by bank

Description	What you can get
Country aggregated figures (by country of the banks)	The figures result from an analysis conducted by the country of the banks. Here you can get, for example, the total amount of direct net sovereign exposures held by all the banks of a specific country (AT, DE, ...) towards each sovereign country (AT, US,..).
Bank-by-bank figures (by country of the banks)	The figures result from an analysis conductedby the country of the banks. Here you can compare, for example, bank-by-bank direct net sovereign exposures held by all the banks of a specific country (AT, DE, ...) towards each sovereign country (AT, US,..).
Country aggregated figures (by sovereign country of exposure)	The figures result from an analysis conducted by the sovereign country of exposure. Here you can get, for example, the total amount of direct net sovereign exposures issued by a specific country (AT, US,..), broken down by the country of the banks exposed (AT, DE,..).
Bank-by-bank figures (by sovereign country of exposure)	The figures result from an analysis conducted by the sovereign country of exposure. Here you can compare, for example, bank-by-bank direct net sovereign exposures, issued by a specific country (AT, US,..).

P&L, Capital and other information

Map tool: overview by country and by bank

Description	What you can get
Country aggregated figures	This file provides country aggregated figures resulting from the stress test exercise not shown in the other tools. You can use it to get, for example, country aggregated figures for CET1 capital ratio, net income, RWAs, ... in the adverse/baseline scenario by year.
Bank-by-bank figures	This file provides country aggregated figures resulting from the stress test exercise not shown in the other tools. It can be used to compare, for example, bank-by-bank figures for CET1 capital ratio, net income, RWAs, ... in the adverse/baseline scenario by year.

Database of results

Banks individual results

Austria

Bank	LEI code
BAWAG P.S.K. Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG	529900ICA8XQYGIKR372
Raiffeisenlandesbank Niederösterreich-Wien AG	529900GPOO9ISPD1EE83
Raiffeisenlandesbank Oberösterreich AG	I6SS27Q1Q3385V753S50
Erste Group Bank AG	PQOH26KWDF7CG10L6792
Raiffeisen Zentralbank Österreich AG	EVOYOND2GGP3UHGGE885
Österreichische Volksbanken-AG with credit institutions affiliated according to Article 10 of the CR	FJDBAXYL0TCMGLPQ4563

Belgium

Bank	LEI code
Dexia NV	D3K6HXMBBB6SK9OXH394
Belfius Banque SA	A5GWLFH3KM7YV2SFQL84
KBC Group NV	6B2PBRV1FCJDMR45RZ53
AXA Bank Europe SA	LSGM84136ACA92XCN876
Investar (Holding of Argenta Bank- en Verzekeringsgroep)	A6NZLYKYN1UV7VVGFX65

Cyprus

Bank	LEI code
Hellenic Bank Public Company Ltd	CXUHEGU3MADZ2CEV7C11
Co-operative Central Bank Ltd	5493007F6CE5P22TJ731
Bank of Cyprus Public Company Ltd	PQ0RAP85KK9Z75ONZW93

Denmark

Bank	LEI code
Danske Bank	MAES062Z21O4RZ2U7M96
Jyske Bank	3M5E1GQGKL17HI6CPN30
Sydbank	GP5DT10VX1QRQUKVBK64
Nykredit	52965FONQ5NZKP0WZL45

Finland

Bank	LEI code
OP-POHJOLA GROUP	549300NQ588N7RWKBP98

France

Bank	LEI code
Banque PSA Finance	9695004ON2K947Z21B87
BPI France (Banque Publique d'Investissement)	969500STN7T9MRUMJ267
C.R.H. - Caisse de Refinancement de l'Habitat	969500TVVZM86W7W5I94
Groupe Crédit Mutuel	969500R332FU13LE1433
La Banque Postale	96950066U5XAAIRCPA78
RCI Banque	96950001WI712W7PQG45
Société de Financement Local	549300HFEHJOXGE4ZE63
BNP Paribas	R0MUWSFPU8MPRO8K5P83
Groupe Crédit Agricole	969500TJ5KRTCJQWXH05
Groupe BPCE	9695005MSX1OYEMGDF46
Société Générale	O2RNE8IBXP4R0TD8PU41

Germany

Bank	LEI code
Aareal Bank AG	EZKODONU5TYHW4PP1R34
Deutsche Apotheker- und Ärztebank eG	5299007S3UH5RKUYDA52
HASPA Finanzholding	529900JZTYE3W7WQH904
IKB Deutsche Industriebank AG	PWEFG14QWWESISQ84C69
KfW IPEX-Bank GmbH	529900Q1M1F4M8KMTM64
Landeskreditbank Baden-Württemberg-Förderbank	0SK1ILSPWNVBNQWU0W18
Landwirtschaftliche Rentenbank	529900Z3J0N6S0F7CT25
Münchener Hypothekenbank eG	529900GM944JT8YIRL63
NRW.Bank	52990002O5KK6XOGJ020
Volkswagen Financial Services AG	529900USFSZYPS075O24
Wüstenrot Bausparkasse AG	529900S1KHKOEQL5CK20
Wüstenrot Bank AG Pfandbriefbank	QS0KV71ZZFYPT6POX557
Deutsche Bank AG	7LTWFZYICNSX8D621K86
Commerzbank AG	851WYGNLUQLFZBSYGB56
Landesbank Baden-Württemberg	B81CK4ESI35472RHJ606
DZ Bank AG Deutsche Zentral-Genossenschaftsbank	529900HNOAA1KXQJUQ27
Bayerische Landesbank	VDYMYTQGZZ6DU0912C88
Norddeutsche Landesbank-Girozentrale	DSNHHQ2B9X5N6OUJ1236
Hypo Real Estate Holding AG	52990082YOVOZIC8QX60
HSH Nordbank AG	TUKDD90GPC79G1KOE162
Landesbank Hessen-Thüringen Girozentrale	DIZES5CFO5K3I5R58746
Landesbank Berlin Holding AG	GTQYZJON3I7SXRNJTT73
DekaBank Deutsche Girozentrale	0W2PZJM8XOY22M4GG883
WGZ Bank AG Westdeutsche Genossenschafts-Zentralbank	EFHQAFG69S4HKHLIZA14

Greece

Bank	LEI code
Eurobank Ergasias	JEUVK5RWVJEN8W0C9M24
National Bank of Greece	5UMCZOEYKCVFAW8ZLO05
Alpha Bank	5299009N55YRQC69CN08
Piraeus Bank	M6AD1Y1KW32H8THQ6F76

Hungary

Bank	LEI code
OTP Bank Ltd	529900W3MOO00A18X956

Ireland

Bank	LEI code
Allied Irish Banks plc	3U8WV1YX2VMUHH7Z1Q21
The Governor and Company of the Bank of Ireland	Q2GQA2KF6XJ24W42G291
Permanent tsb plc.	635400DTNHVYGZODKQ93

Italy

Bank	LEI code
Banca Carige S.P.A. - Cassa di Risparmio di Genova e Imperia	F1T87K3OQ2OV1UORLH26
Banca Piccolo Credito Valtellinese	549300BDV4C410CYAQ76
Banca Popolare Dell'Emilia Romagna - Società Cooperativa	N747OI7JINV7RUUH6190
Banca Popolare Di Milano - Società Cooperativa A Responsabilità Limitata	8156009BC82130E7FC43
Banca Popolare di Sondrio	J48C8PCSJVUBR8KCW529
Banca Popolare di Vicenza - Società Cooperativa per Azioni	V3AFM0G2D3A6E0QWDG59
Credito Emiliano S.p.A.	8156004B244AA70DE787
Iccrea Holding S.p.A	815600D79C96B9661149
Mediobanca - Banca di Credito Finanziario S.p.A.	PSNL19R2RXX5U3QWHI44
Veneto Banca S.C.P.A.	549300W9STRUCJ2DLU64
Intesa Sanpaolo S.p.A.	2W8N8UU78PMDQKZENC08
UniCredit S.p.A.	549300TRUWO2CD2G5692
Banca Monte dei Paschi di Siena S.p.A.	J4CP7MHCXR8DAQMKIL78
Banco Popolare - Società Cooperativa	5493006P8PDBI8LC0O96
Unione Di Banche Italiane Società Cooperativa Per Azioni	81560097964CBDAED282

Latvia

Bank	LEI code
ABLV Bank	549300IHIJ7SCANBWN17

Luxembourg

Bank	LEI code
Banque et Caisse d'Epargne de l'Etat	R7CQUF1DQM73HUTV1078
Precision Capital S.A. (Holding of Banque Internationale à Luxembourg and KBL European Private Banke)	549300AUUQG072ATL746

Malta

Bank	LEI code
Bank of Valletta plc	529900RWC8ZYB066JF16

Netherlands

Bank	LEI code
Bank Nederlandse Gemeenten N.V.	529900GGYMNGRQTDOO93
Nederlandse Waterschapsbank N.V.	JLP5FSPH9WPSHY3NIM24
ING Bank N.V.	3TK20IVIUJ8J3ZU0QE75
Coöperatieve Centrale Raiffeisen-Boerenleenbank B.A.	DG3RU1DBUFHT4ZF9WN62
ABN AMRO Bank N.V.	BFXS5XCH7N0Y05NIXW11
SNS Bank N.V.	724500A1FNICHSDF2I11

Norway

Bank	LEI code
DNB Bank Group	549300GKFG0RYRRQ1414

Poland

Bank	LEI code
ALIOR BANK SA	259400QHDOZWMJ103294
BANK BPH SA	H8MIG1MMPR6JXUQVBM04
BANK HANDLOWY W WARSZAWIE SA	XLEZHWWOI4HFQDGL4793
BANK OCHRONY SRODOWISKA SA	MKP1B7E76TN04CD85Z79
GETIN NOBLE BANK SA	2594000SEGUR418W2G08
POWSZECHNA KASA OSZCZEDNOSCI BANK POLSKI S.A. (PKO BANK POLSKI)	P4GTT6GF1W40CVIMFR43

Portugal

Bank	LEI code
Caixa Geral de Depósitos	TO822O0VT80V06K0FH57
Banco Comercial Português	JU1U6S0DG9YLT7N8ZV32
Banco BPI	3DM5DPGI3W6OU6GJ4N92

Slovenia

Bank	LEI code
SID - Slovenska izvozna in razvojna banka	549300BZ3GKOJ13V6F87
Nova Ljubljanska banka d. d.	5493001BABFV7P27OW30
Nova Kreditna Banka Maribor d.d.	549300J0GSZ83GTKBZ89

Spain

Bank	LEI code
Banco Financiero y de Ahorros	549300GT0XFTFHGOIS94
Cajas Rurales Unidas	635400CE9HHFB55PEY43
Catalunya Banc	549300I84DXMIK4UUL30
Caja de Ahorros y M.P. de Zaragoza	549300OLBL49CW8CT155
Kutxabank	549300U4LIZV0REEQQ46
Liberbank	635400XT3V7WHLSFYY25
NCG Banco	54930056IRBXK0Q1FP96
MPCA Ronda	5493007SJLLCTM6J6M37
Banco Santander	5493006QMFDDMYWIAM13
Banco Bilbao Vizcaya Argentaria	K8MS7FD7N5Z2WQ51AZ71
Caja de Ahorros y Pensiones de Barcelona	7CUNS533WID6K7DGFI87
Banco Popular Español	80H66LPTVDLM0P28XF25
Banco de Sabadell	SI5RG2M0WQQLZCXKRM20
Banco Mare Nostrum	549300PY124PITBSWN73
Bankinter	VWMYAEQSTOPNV0SUGU82

Sweden

Bank	LEI code
Nordea Bank AB (publ)	6SCPQ280AIY8EP3XFW53
Skandinaviska Enskilda Banken AB (publ) (SEB)	F3JS33DEI6XQ4ZBPTN86
Svenska Handelsbanken AB (publ)	NHBDILHZTYCNBV5UYZ31
Swedbank AB (publ)	M312WZV08Y7LYUC71685

UK

Bank	LEI code
Royal Bank of Scotland Group plc	2138005O9XJIJN4JPN90
HSBC Holdings plc	MLU0ZO3ML4LN2LL2TL39
Barclays plc	G5GSEF7VJP5I7OUK5573
Lloyds Banking Group plc	549300PPXHEU2JF0AM85