This looks at the capital needs of institutions to achieve a core capital ratio of nine percent. The basis for the EBA test was the capital adequacy of banks as of 30 September 2011. These institutions now have time to replenish their capital assets until the end of June 2012. Core capital (also known as core tier-1 capital) usually includes the share capital and retained profits of a bank. The core capital ratio indicates how much of the risk, i.e. loans and investments, is covered by the bank's own capital.
Overall, the capital requirements of the major banks tested in Europe amounted to approximately 114.7 billion euros, of which about 2.7 billion euros lie with the Italian Banco Popolare.