ECB bank test results
The European Central Bank has spent seven months reviewing 130 of the euro zone’s largest banks to see if they have valued their assets properly and if they have enough capital to withstand another crash. The main findings are below.
BY Monica Ulmanu, Laura Noonan and Vincent Flasseur    |    UPDATED: October 26, 2014
How did the banks fare?

In the first graphic, we show the size of the adjustment to a bank’s capital ratio, in basis points, after the ECB’s asset quality review and three years of crisis. We also look at how far the bank’s end point capital ratio is from the 5.5 percent minimum required by the ECB.
Bubbles are sized according to the bank's total assets
Deutsche Bank (Malta) out of scale
Who failed and how much do they need to raise?
The ECB says 25 banks failed and were collectively short 25 billion euros at the end of December 2013, the cutoff date for the tests. Since then, the affected banks have already raised 15 billion euros and some do not have to take further action. We show their capital shortfall post net capital raise, which take account of specific capital raising published by the ECB.

Test results overview

Click on columns to sort and group overall results. Click on rows to select and compare specific banks.

ECB adjustments
Need to raise
end of 2013
(€ bln.)
Worst CET1 ratio
over stressed scenario (%)
AQR adjustment
(€ mil.)
Basis points
Capital shortfall post
net capital raised
(€ mil.)
Source: European Central Bank