ECB Says 25 Banks Fail Stress Tests


Number of Failures Slightly Larger Than Analysts Expected

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Twenty-five eurozone banks flunked financial-health exams designed to measure their ability to withstand another economic crisis, falling short of minimum levels of capital by a total of €25 billion ($31.68 billion), the European Central Bank said Sunday.
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The number of failures, and the depth of the cumulative capital shortfall, was slightly larger than what analysts and investors expected European regulators to identify during their “stress tests” of 130 of the continent’s leading banks.
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The ECB said the banks that failed have taken steps this year to substantially boost their capital buffers. Twelve of the 25 failing banks already have covered their capital shortfalls, raising a collective €15 billion this year.
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Gabriele Steinhauser, Max Colchester, David Enrich, Todd Buell – WSJ
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2014 EU-wide stress test results

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Results – European Banking Authority
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.

 

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Zusammenfassung

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Results – European Banking Authority

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.

 

 

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Source: European Banking Authority (EBA)

One Comment on “ECB Says 25 Banks Fail Stress Tests”


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