The European Banking Authority (EBA) published today its annual risk assessment of the European banking system. The report is accompanied by the publication of the 2021 EU-wide transparency exercise, which provides detailed information, in a comparable and accessible format, for 120 banks across 25 EEA / EU countries. Fears about potential asset quality deterioration have not materialised, except for the sectors most affected by the pandemic. Looking ahead, banks as well as micro and macro prudential authorities need to be prepared in case of a deterioration in the economic outlook or in case inflationary pressure translates into further rising rates.
3/12/2021
The European Banking Authority (EBA) announced today that its 2021 Risk Assessment Report and transparency exercise with bank by bank data will be released on Friday 3 December at 18:00 CET.
17/11/2021
The European Banking Authority (EBA) launched today its regular EU-wide transparency exercise, whose results are expected to be published at the beginning of December. As in the past, the exercise is exclusively based on supervisory reporting data, which will keep the burden for the banks to a minimum. Transparency exercises are conducted on an annual basis and are part of the EBA's efforts to monitor risks and vulnerabilities and to reinforce market discipline24
24/09/2021
The European Banking Authority (EBA) announces that the annual 2021 EU-wide Transparency exercise will be carried out in autumn and the information on banks’ exposures and asset quality during the crisis will be released to market participants. The exercise will cover the figures from the second half of 2020 and the first half of 2021. The exercise is planned to be launched in September and the results are expected to be published at the beginning of December, along with the EBA Risk Assessment Report.
18/05/2021
The EBA has been conducting annual transparency exercises at the EU-wide level since 2011. The transparency exercise is part of the EBA's ongoing efforts to foster transparency and market discipline in the EU financial market, and complements banks' own Pillar 3 disclosures, as laid down in the EU Capital Requirements Directive (CRD). Along with the dataset, the EBA also provides a wide range of interactive tools that allow users to compare and visualise data across time and at a country and a bank-by-bank level.
In 2021, the EBA is going to carry out its annual transparency exercise, which will inform the public on the conditions of the EU banking sector during the crisis in the second half of 2020 and the first half of 2021. The exercise will be exclusively based on supervisory reporting data, as well as on Covid -19 measures reporting data submitted in accordance with the EBA Guidelines on Covid-19 measures on reporting and disclosure (EBA/GL/2020/07). Therefore, the exercise will not require any additional reporting burden for banks.
The EU-wide Transparency exercise is part of the EBA's ongoing efforts to foster transparency and market discipline in the EU financial market, and complements banks' own Pillar 3 disclosures, as laid down in the EU Capital Requirements Directive.
With the 2021 EU-wide transparency exercise the EBA discloses detailed bank-by-bank data for the reference dates of 30 September 2020, 31 December 2020, 31 March 2021 and 30 June 2021. Information is published at the highest level of consolidation for 120 banks across 25 countries of the European Union (EU) and the European Economic Area (EEA). The data available on this webpage provides disclosure on banks' assets and liabilities, capital positions, risk exposure amounts, leverage exposures and asset quality. Sovereign exposures are available only for the reference date of December 2020 and June 2021.
The exercise results are based on the supervisory data submitted to the EBA via the European Centralised Infrastructure of Data (EUCLID) platform. It is the platform and data infrastructure developed and used by the EBA to gather and analyse regulatory data from a wide range of financial institutions. It covers supervisory, resolution, remuneration and payments data. EUCLID works as a data-hub, allowing the EBA and its stakeholders to carry out in-depth analyses of the EU-wide banking/financial sector. Thanks to EUCLID, the public will also be able to gain a wider access to EU banking and financial data.
The EU-wide transparency exercise is published along with the Risk Assessment Report (RAR), which is based on the full EBA's reporting sample. In order to allow users to reconcile Transparency data with respective figures for the EU/EEA in the RAR, as well as in the interactive tools, data is also disclosed for the bucket "All other banks", which includes the aggregated values for the banks, excluding subsidiaries of other EU banks, that are in the RAR sample but have not participated in the transparency exercise.
Data refreshed in October 2022. After the publication of the results for EBA’s Transparency exercise, one bank of the sample had to resubmit ITS supervisory data to the EBA for the reference date June 2021. As a result, the full database and the Visual exploration tools have been updated.
Main indicators
| Description | What you can get |
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| Visual exploration tool | This web tool provides some key figures, for each country and bank-by-bank. |
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Key Metrics, Capital, Leverage, P&L, RWAs, Assets and Liabilities
| Description | What you can get |
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| Key Metrics, Capital, Leverage, P&L, RWAs, Assets and Liabilities | This tool shows individual and countries' data reported in the following templates: Key Metrics, Capital, Leverage, P&L, RWAs, Assets and Liabilities. |
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Asset quality and NFC Loans by NACE
| Description | What you can get |
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NPE and forborne exposures Data aggregated by countries of banks and Individual banks' data | This tool shows countries' data, reported in the following templates: non-performing and forborne exposures. Figures are aggregated by country of the bank. The tools allows also to visualise individual banks' data reported under the same templates. |
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NACE Data aggregated by countries of banks and Individual banks' data | This tool shows countries' data, reported in the following templates: breakdown of loans and advances to non-financial corporations other than held for trading. Figures are aggregated by country of the bank. The tools allows also to visualise individual banks' data reported under the same templates. |
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Sovereign exposures
| Description | What you can get |
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Sovereign Data aggregated by countries of banks, by sovereign issuer and Individual banks' data | This tool provides country aggregated figures of sovereign exposures held by all the banks of a specific country (AT, DE, ...) towards each sovereign country (AT, US,..) as well as country aggregated amounts of sovereign exposures issued by a specific country (AT, US,..), broken down by the country of the banks exposed (AT, DE,..). The tools reports also the bank-by-bank sovereign exposures, broken down by the sovereign country issuers (AT, US,..). |
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Covid-19
| Description | What you can get |
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Covid-19 Data aggregated by countries of banks and Individual banks' data | This tool shows countries' data, reported in the following template: information on loans and advances subject to legislative and non-legislative moratoria. Figures are aggregated by country of the bank. The tool allows also to visualise individual banks' data reported in the same template. |
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Data refreshed in October 2022. After the publication of the results for EBA’s Transparency exercise, one bank of the sample had to resubmit ITS supervisory data to the EBA for the reference date June 2021. As a result, the full database and the Visual exploration tools have been updated.
Banks individual results
Austria
Belgium
Bulgaria
Cyprus
Denmark
Estonia
Finland
France
Germany
Greece
Hungary
Iceland
Ireland
Italy
Latvia
Lithuania
Luxembourg
Malta
Netherlands
Poland
Portugal
Romania
Slovenia
Spain
Sweden
Other