{"id":25501,"date":"2023-07-28T09:00:00","date_gmt":"2023-07-28T13:00:00","guid":{"rendered":"https:\/\/gestionderiesgo.org\/?p=25501"},"modified":"2026-10-12T21:03:27","modified_gmt":"2026-10-13T01:03:27","slug":"eba-2023-eu-wide-stress-test-results","status":"publish","type":"post","link":"https:\/\/gestionderiesgo.org\/en\/eba-2023-eu-wide-stress-test-results\/","title":{"rendered":"2023 EU-wide Stress Test: results"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" 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.cgp-cover.cgp-doc{aspect-ratio:4\/3}#cgr-pub .cgp-head{grid-template-columns:minmax(0,1fr);gap:26px}#cgr-pub .cgp-body{grid-template-columns:minmax(0,1fr);gap:30px}#cgr-pub .cgp-side{position:static}}\n@media(max-width:520px){#cgr-pub{font-size:16px}#cgr-pub .cgp-facts{grid-template-columns:minmax(0,1fr)}#cgr-pub .cgp-btn{width:100%;justify-content:center}}\n<\/style>\n<div id=\"cgr-pub\">\n<header class=\"cgp-head\">\n<figure class=\"cgp-cover\"><img fetchpriority=\"high\" src=\"https:\/\/gestionderiesgo.org\/wp-content\/uploads\/2026\/10\/pub-eba-2023-eu-wide-stress-test-results.jpg?v=1791424225\" width=\"1200\" height=\"750\" alt=\"Portada de la ficha: 2023 EU-wide Stress Test: results\" loading=\"eager\" decoding=\"async\"><\/figure>\n<div class=\"cgp-intro\">\n<p class=\"cgp-kind\">Stress test \u00b7 Supervisor<\/p>\n<h2 class=\"cgp-title\">2023 EU-wide Stress Test: results<\/h2>\n<p class=\"cgp-lead\">The 2023 adverse scenario was the most severe applied in the EU until then in terms of GDP decline, and banks showed resilience.<\/p>\n<dl class=\"cgp-facts\"><div><dt>Organization<\/dt><dd>European Banking Authority (EBA)<\/dd><\/div><div><dt>Document date<\/dt><dd>28 July 2023<\/dd><\/div><div><dt>Type<\/dt><dd>Stress test<\/dd><\/div><div><dt>Language<\/dt><dd>English<\/dd><\/div><div><dt>Scope<\/dt><dd>European Union<\/dd><\/div><\/dl>\n<div class=\"cgp-actions\"><a class=\"cgp-btn\" href=\"https:\/\/www.eba.europa.eu\/publications-and-media\/press-releases\/eba-publishes-results-its-2023-eu-wide-stress-test\" target=\"_blank\" rel=\"noopener noreferrer\"><svg viewbox=\"0 0 24 24\" aria-hidden=\"true\"><path d=\"M14 4h6v6\"\/><path d=\"M20 4l-9 9\"\/><path d=\"M18 14v5a1 1 0 0 1-1 1H5a1 1 0 0 1-1-1V7a1 1 0 0 1 1-1h5\"\/><\/svg>See the official source<\/a><a class=\"cgp-btn alt\" href=\"https:\/\/www.eba.europa.eu\/sites\/default\/files\/document_library\/Risk%20Analysis%20and%20Data\/EU-wide%20Stress%20Testing\/2023\/Results\/1061374\/2023-EU-wide-stress-test-Results.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><svg viewbox=\"0 0 24 24\" aria-hidden=\"true\"><path d=\"M7 3h7l5 5v12a1 1 0 0 1-1 1H7a1 1 0 0 1-1-1V4a1 1 0 0 1 1-1z\"\/><path d=\"M14 3v5h5\"\/><path d=\"M9 14h6\"\/><path d=\"M9 17h4\"\/><\/svg>PDF document<\/a><\/div>\n<\/div>\n<\/header>\n<div class=\"cgp-body\">\n<div class=\"cgp-main\">\n<h3>What it contains<\/h3>\n<p>The European Banking Authority (EBA) published on 28 July 2023 the results of its EU-wide stress test, in which 70 banks from 16 EU and European Economic Area countries took part, representing 75\u00a0% of EU banking sector assets. The exercise horizon is three years, to 2025, and it included 20 more banks than in previous editions and new methodologies for net fee and commission income.<\/p><p>The adverse scenario combines a severe EU and global recession, rising interest rates and higher credit spreads, and was the most severe used in the EU until then in terms of GDP decline. Under that scenario, capital depletion is 459 basis points and the fully loaded CET1 ratio falls from 15.0\u00a0% at end-2022 to 10.4\u00a0% at the end of the scenario. The leverage ratio falls from 5.4\u00a0% to 4.3\u00a0% and combined losses amount to 496 billion euros. In the baseline scenario, the CET1 ratio reaches 16.3\u00a0% in 2025.<\/p><p>The EBA notes that the resilience reflects a solid starting capital position and that the depletion was moderated by higher earnings and better asset quality at the beginning of 2023. The official results are those that the competent authorities submit and confirm, published by the EBA, and they are provided for transparency purposes. There are later editions of European stress tests, such as the 2025 one.<\/p>\n<section class=\"cgp-importa\"><h3>Why it matters for risk management<\/h3><p>It serves as an example of how to design severe macroeconomic scenarios and how capital, leverage and loss results are communicated. It corresponds to the European banking sector and to 2023; for current monitoring, consult the most recent editions from the EBA and the ECB.<\/p><\/section>\n<p class=\"cgp-aviso\">The site\u2019s previous link pointed to a different document (a McKinsey report on AI from 2023); it was corrected to the EBA\u2019s official source.<\/p><p class=\"cgp-note\">Summary prepared by the Dominican Republic Risk Management Club from a reading of the original document, with the source verified on 7 October 2026. It does not replace reading the official text and is not advice.<\/p>\n<p class=\"cgp-back\"><a href=\"\/en\/publicaciones\/\">See all publications<\/a><\/p>\n<\/div>\n<aside class=\"cgp-side\">\n<section class=\"cgp-card\"><h3>Key points<\/h3><ul class=\"cgp-points\"><li>70 banks from 16 EU and EEA countries, 75\u00a0% of EU banking sector assets.<\/li><li>Three-year horizon, to 2025.<\/li><li>Adverse scenario: 459 basis points of capital depletion and CET1 of 10.4\u00a0% at the end.<\/li><li>Baseline scenario: CET1 ratio of 16.3\u00a0% in 2025.<\/li><li>Leverage ratio of 4.3\u00a0% in the adverse scenario, down from 5.4\u00a0%.<\/li><\/ul><\/section>\n<section class=\"cgp-card\"><h3>How to cite it<\/h3><p class=\"cgp-cite\">European Banking Authority (2023). 2023 EU-wide Stress Test: results. Paris: EBA, 28 July 2023.<\/p><\/section>\n<section class=\"cgp-card\"><h3>Topics<\/h3><ul class=\"cgp-chips\"><li><a href=\"\/en\/publicaciones\/?tema=pruebas-de-estres\">Stress tests<\/a><\/li><li><a href=\"\/en\/publicaciones\/?tema=estabilidad-financiera\">Financial stability<\/a><\/li><\/ul><\/section>\n<\/aside>\n<\/div>\n<\/div><link rel=\"stylesheet\" href=\"https:\/\/fonts.googleapis.com\/css2?family=Zilla+Slab:wght@500;600&display=swap\">\n<footer id=\"cgr-foot\" aria-label=\"Footer of the Risk Management Club\">\n<style>\n#main{padding-bottom:0!important}\n.fusion-fullwidth:has(#cgr-foot),.fusion-layout-column:has(#cgr-foot){padding-bottom:0!important;margin-bottom:0!important}\n#cgr-foot{--navy:#0E3351;--blue:#186392;--web:#1A80B6;--red:#E22A3A;--ink:#1C2632;--slate:#5B6775;--line:#D9E1EA;--mist:#F2F5F8;\n  position:relative;margin:96px 0 0;padding:0;background:var(--mist);box-shadow:0 0 0 100vmax var(--mist);clip-path:inset(0 -100vmax);\n  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Tiradentes at the corner of Presidente Gonz\u00e1lez, Ensanche Naco, Santo Domingo<\/span><\/li>\n      <li><svg viewbox=\"0 0 24 24\" aria-hidden=\"true\"><path d=\"M5 4h4l2 5-2.5 1.5a11 11 0 0 0 5 5L15 13l5 2v4a2 2 0 0 1-2 2A16 16 0 0 1 3 6a2 2 0 0 1 2-2\"\/><\/svg><span><a href=\"tel:+18097453289\">809-745-3289<\/a><br><a href=\"tel:+18494774959\">849-477-4959<\/a><a class=\"cgf-wa\" href=\"https:\/\/wa.me\/18494774959\" target=\"_blank\" rel=\"noopener\" aria-label=\"Escribir por WhatsApp al 849-477-4959 (se abre en una pesta\u00f1a nueva)\" title=\"WhatsApp\"><svg viewbox=\"0 0 24 24\" aria-hidden=\"true\"><path d=\"M17.472 14.382c-.297-.149-1.758-.867-2.03-.967-.273-.099-.471-.148-.67.15-.197.297-.767.966-.94 1.164-.173.199-.347.223-.644.075-.297-.15-1.255-.463-2.39-1.475-.883-.788-1.48-1.761-1.653-2.059-.173-.297-.018-.458.13-.606.134-.133.298-.347.446-.52.149-.174.198-.298.298-.497.099-.198.05-.371-.025-.52-.075-.149-.669-1.612-.916-2.207-.242-.579-.487-.5-.669-.51-.173-.008-.371-.01-.57-.01-.198 0-.52.074-.792.372-.272.297-1.04 1.016-1.04 2.479 0 1.462 1.065 2.875 1.213 3.074.149.198 2.096 3.2 5.077 4.487.709.306 1.262.489 1.694.625.712.227 1.36.195 1.871.118.571-.085 1.758-.719 2.006-1.413.248-.694.248-1.289.173-1.413-.074-.124-.272-.198-.57-.347m-5.421 7.403h-.004a9.87 9.87 0 01-5.031-1.378l-.361-.214-3.741.982.998-3.648-.235-.374a9.86 9.86 0 01-1.51-5.26c.001-5.45 4.436-9.884 9.888-9.884 2.64 0 5.122 1.03 6.988 2.898a9.825 9.825 0 012.893 6.994c-.003 5.45-4.437 9.884-9.885 9.884m8.413-18.297A11.815 11.815 0 0012.05 0C5.495 0 .16 5.335.157 11.892c0 2.096.547 4.142 1.588 5.945L.057 24l6.305-1.654a11.882 11.882 0 005.683 1.448h.005c6.554 0 11.89-5.335 11.893-11.893a11.821 11.821 0 00-3.48-8.413Z\"\/><\/svg><\/a><\/span><\/li>\n      <li><svg viewbox=\"0 0 24 24\" aria-hidden=\"true\"><rect x=\"3\" y=\"5\" width=\"18\" height=\"14\" rx=\"2\"\/><path d=\"m3.5 6.5 8.5 6.5 8.5-6.5\"\/><\/svg><a href=\"mailto:info@gestionderiesgo.org\">info@gestionderiesgo.org<\/a><\/li>\n      <li><svg viewbox=\"0 0 24 24\" aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><path d=\"M12 7v5l3 2\"\/><\/svg><span>Monday to Thursday, 8:30 a.m. to 5:30 p.m.<br>Friday, 8:30 a.m. to 5:00 p.m.<\/span><\/li>\n    <\/ul>\n  <\/div>\n<\/div>\n\n<div class=\"cgf-bar\">\n  <div class=\"cgf-legal\"><img decoding=\"async\" class=\"cgf-pay\" src=\"https:\/\/gestionderiesgo.org\/wp-content\/uploads\/2023\/01\/Verified.png\" alt=\"Verified by Visa y Mastercard ID Check\" width=\"101\" height=\"34\" loading=\"lazy\"><p>\u00a9 2026 Gesti\u00f3n de Riesgo RD, SRL. All rights reserved.<\/p><\/div>\n  <nav class=\"cgf-pol\" aria-label=\"Policies\">\n    <a href=\"\/en\/politicasdeprivacidad\/\">Privacy<\/a><a href=\"\/en\/terminos-y-condiciones-2\/\">Terms and Conditions<\/a><a href=\"\/en\/politicas-de-entrega\/\">Delivery<\/a><a href=\"\/en\/politicas-de-cancelacion\/\">Cancellation<\/a><a href=\"\/en\/politicas-de-devolucion\/\">Returns<\/a><a href=\"\/en\/politicas-de-reembolso\/\">Refunds<\/a><a href=\"\/en\/politicas-de-seguridad\/\">Security<\/a><a href=\"\/en\/preguntas-frecuentes\/\">Frequently asked questions<\/a>\n  <\/nav>\n<\/div>\n<\/footer>\n\n<style>#cgr-foot .cgf-ct li a.cgf-wa{display:inline-flex;vertical-align:middle;margin-left:8px}#cgr-foot .cgf-ct li a.cgf-wa svg{width:18px;height:18px;margin:0;fill:#25D366;stroke:none}<\/style><\/div><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Results of the EBA\u2019s 2023 stress test: 70 banks from 16 countries, an adverse scenario with 459 basis points of capital depletion and a CET1 ratio of 10.4 % at the end of the three-year horizon.<\/p>","protected":false},"author":1,"featured_media":25500,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":true,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"cgp_org":"Autoridad Bancaria Europea","cgp_siglas":"EBA","cgp_tipo":"Prueba de estr\u00e9s","cgp_fecha":"2023-07-28","cgp_url":"https:\/\/www.eba.europa.eu\/publications-and-media\/press-releases\/eba-publishes-results-its-2023-eu-wide-stress-test","cgp_pdf":"https:\/\/www.eba.europa.eu\/sites\/default\/files\/document_library\/RiskAnalysisandData\/EU-wideStressTesting\/2023\/Results\/1061374\/2023-EU-wide-stress-test-Results.pdf","cgp_idioma":"Ingl\u00e9s","cgp_pais":"Uni\u00f3n Europea","cgp_temas":"Pruebas de estr\u00e9s,Estabilidad financiera","cgp_portada":"https:\/\/gestionderiesgo.org\/wp-content\/uploads\/2026\/10\/pub-eba-2023-eu-wide-stress-test-results.jpg","cgp_verificado":"2026-10-07","cgp_origen":"migrada","cgp_fuente":"Supervisor","cgp_paginas":"","cgp_autores":"","cgp_fecha_texto":"","cgp_portada_tipo":"gen","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[74],"tags":[],"class_list":["post-25501","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-publicaciones-del-sector"],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/gestionderiesgo.org\/wp-content\/uploads\/2026\/10\/pub-eba-2023-eu-wide-stress-test-results.jpg","_links":{"self":[{"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/posts\/25501","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/comments?post=25501"}],"version-history":[{"count":4,"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/posts\/25501\/revisions"}],"predecessor-version":[{"id":26331,"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/posts\/25501\/revisions\/26331"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/media\/25500"}],"wp:attachment":[{"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/media?parent=25501"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/categories?post=25501"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/tags?post=25501"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}