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.

 

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

Image Summary results

  • Map tool: overview by country and by bank
  • Excel tools  (Excel 2010 is required):
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.

 

Image Credit risk

  • Map tool: overview by country and by bank

  • Excel tools  (Excel 2010 is required):

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, ...).

 


Image Sovereign exposures

  • Map tool: overview by country and by bank

  • Excel tools  (Excel 2010 is required):

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,..).

 

Image P&L, Capital and other information

  • Map tool: overview by country and by bank

  • Excel tools  (Excel 2010 is required):

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

Country Bank LEI code
Austria

BAWAG P.S.K. Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG
Raiffeisenlandesbank Niederösterreich-Wien AG
Raiffeisenlandesbank Oberösterreich AG
Erste Group Bank AG
Raiffeisen Zentralbank Österreich AG
Österreichische Volksbanken-AG with credit institutions affiliated according to Article 10 of the CR

529900ICA8XQYGIKR372

529900GPOO9ISPD1EE83
I6SS27Q1Q3385V753S50
PQOH26KWDF7CG10L6792
EVOYOND2GGP3UHGGE885
FJDBAXYL0TCMGLPQ4563

Belgium Dexia NV
Belfius Banque SA
KBC Group NV
AXA Bank Europe SA
Investar (Holding of Argenta Bank- en Verzekeringsgroep)

D3K6HXMBBB6SK9OXH394
A5GWLFH3KM7YV2SFQL84
6B2PBRV1FCJDMR45RZ53
LSGM84136ACA92XCN876
A6NZLYKYN1UV7VVGFX65

Cyprus Hellenic Bank Public Company Ltd
Co-operative Central Bank Ltd
Bank of Cyprus Public Company Ltd
CXUHEGU3MADZ2CEV7C11
5493007F6CE5P22TJ731
PQ0RAP85KK9Z75ONZW93
Denmark Danske Bank
Jyske Bank
Sydbank
Nykredit
MAES062Z21O4RZ2U7M96
3M5E1GQGKL17HI6CPN30
GP5DT10VX1QRQUKVBK64
52965FONQ5NZKP0WZL45
Finland OP-POHJOLA GROUP 549300NQ588N7RWKBP98
France

Banque PSA Finance
BPI France (Banque Publique d'Investissement)
C.R.H. - Caisse de Refinancement de l'Habitat
Groupe Crédit Mutuel
La Banque Postale
RCI Banque
Société de Financement Local
BNP Paribas
Groupe Crédit Agricole
Groupe BPCE
Société Générale

9695004ON2K947Z21B87
969500STN7T9MRUMJ267
969500TVVZM86W7W5I94
969500R332FU13LE1433
96950066U5XAAIRCPA78
96950001WI712W7PQG45
549300HFEHJOXGE4ZE63
R0MUWSFPU8MPRO8K5P83
969500TJ5KRTCJQWXH05
9695005MSX1OYEMGDF46
O2RNE8IBXP4R0TD8PU41
Germany

Aareal Bank AG
Deutsche Apotheker- und Ärztebank eG
HASPA Finanzholding
IKB Deutsche Industriebank AG
KfW IPEX-Bank GmbH
Landeskreditbank Baden-Württemberg-Förderbank
Landwirtschaftliche Rentenbank
Münchener Hypothekenbank eG
NRW.Bank
Volkswagen Financial Services AG
Wüstenrot Bausparkasse AG
Wüstenrot Bank AG Pfandbriefbank
Deutsche Bank AG
Commerzbank AG
Landesbank Baden-Württemberg
DZ Bank AG Deutsche Zentral-Genossenschaftsbank
Bayerische Landesbank
Norddeutsche Landesbank-Girozentrale
Hypo Real Estate Holding AG
HSH Nordbank AG
Landesbank Hessen-Thüringen Girozentrale
Landesbank Berlin Holding AG
DekaBank Deutsche Girozentrale
WGZ Bank AG Westdeutsche Genossenschafts-Zentralbank

EZKODONU5TYHW4PP1R34
5299007S3UH5RKUYDA52
529900JZTYE3W7WQH904
PWEFG14QWWESISQ84C69
529900Q1M1F4M8KMTM64
0SK1ILSPWNVBNQWU0W18
529900Z3J0N6S0F7CT25
529900GM944JT8YIRL63
52990002O5KK6XOGJ020
529900USFSZYPS075O24
529900S1KHKOEQL5CK20
QS0KV71ZZFYPT6POX557
7LTWFZYICNSX8D621K86
851WYGNLUQLFZBSYGB56
B81CK4ESI35472RHJ606
529900HNOAA1KXQJUQ27
VDYMYTQGZZ6DU0912C88
DSNHHQ2B9X5N6OUJ1236
52990082YOVOZIC8QX60
TUKDD90GPC79G1KOE162
DIZES5CFO5K3I5R58746
GTQYZJON3I7SXRNJTT73
0W2PZJM8XOY22M4GG883
EFHQAFG69S4HKHLIZA14

Greece

Eurobank Ergasias
National Bank of Greece
Alpha Bank
Piraeus Bank

JEUVK5RWVJEN8W0C9M24
5UMCZOEYKCVFAW8ZLO05
5299009N55YRQC69CN08
M6AD1Y1KW32H8THQ6F76
Hungary OTP Bank Ltd 529900W3MOO00A18X956
Ireland Allied Irish Banks plc
The Governor and Company of the Bank of Ireland
Permanent tsb plc.
3U8WV1YX2VMUHH7Z1Q21
Q2GQA2KF6XJ24W42G291
635400DTNHVYGZODKQ93
Italy

Banca Carige S.P.A. - Cassa di Risparmio di Genova e Imperia
Banca Piccolo Credito Valtellinese
Banca Popolare Dell'Emilia Romagna - Società Cooperativa
Banca Popolare Di Milano - Società Cooperativa A Responsabilità Limitata
Banca Popolare di Sondrio
Banca Popolare di Vicenza - Società Cooperativa per Azioni
Credito Emiliano S.p.A.
Iccrea Holding S.p.A
Mediobanca - Banca di Credito Finanziario S.p.A.
Veneto Banca S.C.P.A.
Intesa Sanpaolo S.p.A.
UniCredit S.p.A.
Banca Monte dei Paschi di Siena S.p.A.
Banco Popolare - Società Cooperativa
Unione Di Banche Italiane Società Cooperativa Per Azioni

F1T87K3OQ2OV1UORLH26
549300BDV4C410CYAQ76
N747OI7JINV7RUUH6190
8156009BC82130E7FC43
J48C8PCSJVUBR8KCW529
V3AFM0G2D3A6E0QWDG59
8156004B244AA70DE787
815600D79C96B9661149
PSNL19R2RXX5U3QWHI44
549300W9STRUCJ2DLU64
2W8N8UU78PMDQKZENC08
549300TRUWO2CD2G5692
J4CP7MHCXR8DAQMKIL78
5493006P8PDBI8LC0O96
81560097964CBDAED282
Latvia ABLV Bank 549300IHIJ7SCANBWN17
Luxembourg Banque et Caisse d'Epargne de l'Etat
Precision Capital S.A. (Holding of Banque Internationale à Luxembourg and KBL European Private Banke)
R7CQUF1DQM73HUTV1078
549300AUUQG072ATL746
 
Malta Bank of Valletta plc 529900RWC8ZYB066JF16
Netherlands Bank Nederlandse Gemeenten N.V.
Nederlandse Waterschapsbank N.V.
ING Bank N.V.
Coöperatieve Centrale Raiffeisen-Boerenleenbank B.A.
ABN AMRO Bank N.V.
SNS Bank N.V.
529900GGYMNGRQTDOO93
JLP5FSPH9WPSHY3NIM24
3TK20IVIUJ8J3ZU0QE75
DG3RU1DBUFHT4ZF9WN62
BFXS5XCH7N0Y05NIXW11
724500A1FNICHSDF2I11
Norway DNB Bank Group 549300GKFG0RYRRQ1414
Poland ALIOR BANK SA
BANK BPH SA
BANK HANDLOWY W WARSZAWIE SA
BANK OCHRONY SRODOWISKA SA
GETIN NOBLE BANK SA
POWSZECHNA KASA OSZCZEDNOSCI BANK POLSKI S.A. (PKO BANK POLSKI)
259400QHDOZWMJ103294
H8MIG1MMPR6JXUQVBM04
XLEZHWWOI4HFQDGL4793
MKP1B7E76TN04CD85Z79
2594000SEGUR418W2G08
P4GTT6GF1W40CVIMFR43
Portugal Caixa Geral de Depósitos
Banco Comercial Português
Banco BPI
TO822O0VT80V06K0FH57
JU1U6S0DG9YLT7N8ZV32
3DM5DPGI3W6OU6GJ4N92
Slovenia SID - Slovenska izvozna in razvojna banka
Nova Ljubljanska banka d. d.
Nova Kreditna Banka Maribor d.d.
549300BZ3GKOJ13V6F87
5493001BABFV7P27OW30
549300J0GSZ83GTKBZ89
Spain Banco Financiero y de Ahorros
Cajas Rurales Unidas
Catalunya Banc
Caja de Ahorros y M.P. de Zaragoza
Kutxabank
Liberbank
NCG Banco
MPCA Ronda
Banco Santander
Banco Bilbao Vizcaya Argentaria
Caja de Ahorros y Pensiones de Barcelona
Banco Popular Español
Banco de Sabadell
Banco Mare Nostrum
Bankinter
549300GT0XFTFHGOIS94
635400CE9HHFB55PEY43
549300I84DXMIK4UUL30
549300OLBL49CW8CT155
549300U4LIZV0REEQQ46
635400XT3V7WHLSFYY25
54930056IRBXK0Q1FP96
5493007SJLLCTM6J6M37
5493006QMFDDMYWIAM13
K8MS7FD7N5Z2WQ51AZ71
7CUNS533WID6K7DGFI87
80H66LPTVDLM0P28XF25
SI5RG2M0WQQLZCXKRM20
549300PY124PITBSWN73
VWMYAEQSTOPNV0SUGU82
Sweden Nordea Bank AB (publ)
Skandinaviska Enskilda Banken AB (publ) (SEB)
Svenska Handelsbanken AB (publ)
Swedbank AB (publ)
6SCPQ280AIY8EP3XFW53
F3JS33DEI6XQ4ZBPTN86
NHBDILHZTYCNBV5UYZ31
M312WZV08Y7LYUC71685
UK Royal Bank of Scotland Group plc
HSBC Holdings plc
Barclays plc
Lloyds Banking Group plc
2138005O9XJIJN4JPN90
MLU0ZO3ML4LN2LL2TL39
G5GSEF7VJP5I7OUK5573
549300PPXHEU2JF0AM85