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CET1 ratio of banks in Europe Q4 2019, by country

Capital ratios express a bank’s capital as a percentage of its risk-weighted assets (RWAs). Capital requirements for European banks were raised after the Basel III accord and phased in on the 1st of January 2015, with a new minimum requirement of CET1 ratio of 4.5 percent. As of the 4th quarter of 2019, all countries banking systems more than met the CET1 ratio required.

European Banking Authority stress test

Since 2014 the European Banking Authority has conducted a stress test in order to establish whether Europe's largest banks could withstand another financial crisis. The test measures the capital ratio of each bank over a 3-year adverse scenario. During 2018's stress test, despite a number of banks performing worse than expected, all banks were concluded to have enough capital to weather such a storm in the near future. The best performing bank during the last stress test was the German bank NRW.BANK.

Liquidity coverage ratio (LCR)

As of January 1st, 2015, it became a requirement for banks to hold a minimum of 60 percent in high quality liquid assets (HQLA), which allowed them to survive in times of liquidity stress lasting up to 30 days. This minimum requirement was to increase annually by 10 percent until it reaches 100 percent as of 2019. As of December 2019, all European countries were able to meet this minimum requirement.

Common equity Tier 1 (CET1) ratio of the European banking sector as of December 2019, by country

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Source

Release date

2020

Region

United Kingdom

Survey time period

December 2019

Supplementary notes

The source added the following information; "Individual country data includes subsidiaries, which are excluded from EU aggregate. For example, at country level the subsidiary in country X of a bank domiciled in country Y is included both in data for countries X and Y (for the latter as part of the consolidated entity). In the EU aggregate, only the consolidated entity domiciled in country Y is considered. The sample of banks is unbalanced and reviewed annually."
Formula for Total capital ratio: Own funds (A) / Total risk exposure amount (B)

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Statistics on "Capital requirements of European banks"

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