The EBA streamlines the 2027 EU-wide stress test with more than 55% reduction in requested data

The EBA publishes the final methodology, the (draft) templates and the template guidance for the 2027 EU-wide stress test, together with its timeline. The exercise is simplified: the data required fall by 55% compared with the previous one, mainly in credit risk, by aligning the templates with supervisory reporting. For the first time it includes a specific climate risk module (physical and transition risks) that does not affect the main results.

Key points

• Constrained bottom-up approach with top-down elements and a static balance sheet; baseline and adverse scenarios for 2027-2029, with a reference date of 31 December 2026.
• 55% reduction in data points compared with the previous exercise.
• Sample: banks covering approximately 75% of the sector in the euro area, in each non-euro Member State and in Norway (assets at end-2025), with a minimum of €30bn; the sample may change before the launch.
• New climate module (physical and transition risks) separate from the main results.
• The templates and guidance may undergo minor technical adjustments before the formal launch.
• Part of the EBA's simplification campaign (Task Force on Efficiency).

Who is affected

Large EU and Norwegian banks included in the sample, national supervisors, ECB/SSM; relevant for bank investors (publication of bank-by-bank results).

Deadlines

Launch at the end of January 2027 (with the publication of the macroeconomic and climate scenarios); first submission of results at the end of April 2027; second at the end of May 2027; final submission in early July 2027; publication of results at the end of July 2027.

Plain-language version

Summary produced with artificial intelligence from the official publication. It may contain errors: always check the original document.