EU-wide stress testing 2014
The European Banking Authority (EBA) published today the results of the 2014 EU-wide stress test of 123 banks.
26/10/2014
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 European Banking Authority (EBA) will publish the 2014 EU-wide stress test results on Sunday 26 October 2014.
10/10/2014
The European Banking Authority published today the final templates for the 2014 EU-wide stress test.
20/08/2014
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
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
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.
All you need to know about the 2014 EU-wide stress test
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.
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. |
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
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
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 |