The European banks are prepared, in General, better for a new economic and financial crisis a few years ago. However, German and British banks cut in the recent stress test of the European banking authority, EBA bad.
For the stress test, it was examined how strongly the banks ‘ equity shrinks within three years, if the economy weakens, unemployment figures increase and real estate prices go down in the basement. The supervisors findings promise about the vulnerability of banks to crises, and whether they need to strengthen their capital buffer for bad times.
In the stress scenario, the capital buffer of German banks would shrink in comparison to the institutions of other countries. Similar is true for UK banks. This is mainly due to the low profitability of the EBA-stats-Director Mario Quagliariello said at the presentation of the Figures.
The weakest cut under the German money houses NordLB, you can count on in the worst case, only with a capital ceiling of slightly more than seven percent. The comparatively weak performance of the institution in which the Länder of lower Saxony and Saxony-Anhalt are involved, was to have been expected.
Deutsche Bank cut with 8.14 percent, a little better. Commerzbank had 9,93 per cent of its equity capital.
48 banks from 15 European countries were Studied in the EBA Test. Including eight German institutes, all of which are supervised directly by the ECB: in addition to the German Bank and the Commerzbank, the DZ Bank as the Central institution of the cooperative sector, the four leading regional banks LBBW, BayernLB, Helaba and NordLB, as well as the state development Bank, NRW.Bank.
The biggest problems in times of crisis, institutions, Barclays from the United Kingdom, and the Italian Banco BPM.