2025

The European Banking Authority (EBA) published the results of the 2025 EU-wide stress test of 64 banks from 17 EU and EEA countries, representing about 75% of EU banks’ total assets. The exercise has been 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.

The aim of the EU-wide stress test is to assess the resilience of EU banks to a common set of adverse economic developments in order to identify potential risks, inform supervisory decisions and increase market discipline. The exercise is not designed as a pass-fail test but as a supervisory tool and an input for the Pillar 2 assessment of banks.

The EBA published the granular bank results, including detailed information at the starting and end point of the exercise, under both the baseline and the adverse scenarios. Dissemination of data is an integral element of the stress test exercise and it helps to foster market discipline. The transparency templates of the 2025 EU-wide stress test also include information on Pillar 2 Requirements (P2R) for each bank at the end of 2024, the stress test starting point.