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February 21, 2020
The European Banking Authority (EBA) launched its stress tests for European banks on January 31. This two-year exercise will involve 51 European Union (EU) banks, including United Kingdom-based banks, with 2020 being a transition year following Brexit.
September 26, 2016
Trends and developments in the Spanish banking sector. Real estate exposure of the Spanish banking system. Analysis of impaired assets in Europe. European stress test: large differences by country. Implementation and effects of the regulatory reform. Open banking
August 8, 2016
The results of the European bank stress tests published a few days ago were passed by almost all of the banks considering that only one Italian bank and one Irish bank would have shown a capital shortfall compared to last year’s minimum capital threshold.
January 12, 2015
NPL ratios are much higher in peripheral countries than in core countries (as well as coverage ratios); The stress test might have been benign for some banking sectors; The cost of risk in the stress test does not stay at 2013 levels as impairments in 2014 are usually lower than those of 2013.
December 1, 2014
The large volume of impairments which exceeds pre-provision income in several countries makes half of the banking sectors unprofitable in 2013 (Slovenian, Cypriot, Portuguese, Italian, Greek, Irish and Austrian). Some of these impairments are extraordinary and reflect the need of balance sheet repair ahead of the AQR. After several years since the beginning of the crisis, the high level of impairments continues to be the first drain on profitability. Therefore among the best performers we see banking sectors with low earnings generation capacity but which display low levels of impairments as result of their good asset quality. The most profitable banking sectors in 2013 are those from Luxembourg, France, Germany and the Netherlands (thanks to low impairments) as well as the Spanish, which combines a high level of pre-provision profitability with still high, but manageable, impairments.
