2019 EU-wide transparency exercise

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    EBA confirms progress in banks’ balance-sheet repair but points to a bleak outlook for their profitability

    The European Banking Authority (EBA) published today its annual Report on risks and vulnerabilities in the EU banking sector. The Report is accompanied by the publication of the 2019 EU-wide transparency exercise, which provides detailed information, in a comparable and accessible format, for 131 banks across the EU. Overall, EU banks’ solvency ratios remained stable, while the NPL ratio further contracted. Amidst low profitability, a proactive management of operating expenses is essential.

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    EBA announces timing for publication of 2019 EU-wide transparency exercise and Risk Assessment Report

    The European Banking Authority (EBA) announced today that its 2019 Risk Assessment Report and transparency exercise with bank by bank data will be released on Friday 29 November at 18:00 CET.

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    EBA launches its 2019 EU-wide transparency exercise

    The European Banking Authority (EBA) launched today its regular EU-wide transparency exercise. In November 2019, together with the Risk Assessment Report (RAR), the EBA will release up to 2,2 mln data points on about 130 EU banks. The data will cover capital positions, financial assets, risk exposure amounts, sovereign exposures and asset quality. As in the past, the exercise is exclusively based on supervisory reporting data, which will keep the burden for the banks to a minimum. Transparency exercises are conducted on an annual basis and are part of the EBA's efforts to monitor risks and vulnerabilities and to reinforce market discipline.

The 2019 EU-wide transparency exercise provides detailed bank-by-bank data on capital positions, risk exposure amounts, leverage exposures and asset quality for 131 banks across 27 countries of the European Union (EU) and the European Economic Area (EEA). The data, which is exclusively based on supervisory reporting, is published at the highest level of consolidation for the reference dates of 30 September 2018, December 2018, 31 March 2019 and 30 June 2019 with the exception of the sovereign figures which are available only for the reference dates December 2018 and June 2019.

The EU-wide transparency exercise is published along with the Risk Assessment Report (RAR), which is based on the full EBA's reporting sample, made up of 183 banks, of which 36 EU foreign subsidiaries of other EU banks (sample as of June 2019). In order to allow users to reconcile Transparency data with respective figures for the EU/EEA in the RAR, as well as in the interactive tools, data is also disclosed for the bucket "All other banks", which includes the aggregated values for the banks, excluding subsidiaries of other EU banks, that are in the RAR sample but have not participated in the transparency exercise.

The EBA has been conducting transparency exercises at the EU-wide level on an annual basis since 2011. The transparency exercise is part of the EBA's ongoing efforts to foster transparency and market discipline in the EU financial market, and complements banks' own Pillar 3 disclosures, as laid down in the EU's capital requirements directive (CRD). Along with the dataset, the EBA also provides a wide range of interactive tools that allow users to compare and to visualise data across time and at a country and a bank-by-bank level.

Banks individual results