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EBA European Bank 2011 Stress Test Results: Summary

July 15 (Bloomberg) -- Following is a table showing individual bank core Tier 1 capital ratios under the stress test as published by the European Banking Authority in London:

================================================================================
                              -Actual Result-  Adverse Scenario     Recognised
                                 T1   Capital      T1   Capital   Capital Ratio
                              Ratio   Needed*   Ratio   Needed*    2011    2012
================================================================================
Agricultural Bank Of Greece    6.3%       n/a   -0.8%       713    7.6%    6.0%
CAM(18)                        3.8%       570    3.0%       947    7.8%    5.1%
Banco Pastor                   7.6%       n/a    3.3%       317    7.9%    5.6%
Grupo Banco Grupo Caja         8.6%       n/a    4.0%       140    9.4%    6.6%
Oesterreichische Volksbank     6.4%       n/a    4.5%       160   11.7%    9.8%
Unnim(13)                      6.3%       n/a    4.5%        85    8.6%    6.2%
CatalunyaCaixa(7)              6.4%       n/a    4.8%        75    9.1%    6.3%
EFG Eurobank                   9.0%       n/a    4.9%        58    9.4%    7.6%
Espírito Santo Fin Group       6.4%       n/a    5.1%       n/a    7.2%    6.3%
Marfin Popular Bank            7.3%       n/a    5.3%       n/a   11.8%    9.2%
================================================================================
                              -Actual Result-  Adverse Scenario     Recognised
                                 T1   Capital      T1   Capital   Capital Ratio
                              Ratio   Needed*   Ratio   Needed*    2011    2012
================================================================================
Piraeus Bank Group             8.0%       n/a    5.3%       n/a    9.1%    6.3%
Nova Ljubljanska Banka         5.2%       n/a    5.3%       n/a    5.5%    5.4%
Banco Popular Español          7.1%       n/a    5.3%       n/a    8.4%    7.4%
NovaCaixaGalicia(8)            5.2%       n/a    5.3%       n/a    9.0%    6.5%
Bankinter                      6.2%       n/a    5.3%       n/a    7.4%    6.8%
Banco Comercial Português      5.9%       n/a    5.4%       n/a    7.5%    6.2%
BFA Bankia                     6.9%       n/a    5.4%       n/a    8.0%    6.5%
HSH Nordbank                  10.7%       n/a    5.5%       n/a   10.6%    9.1%
Hellenic Postbank             18.5%       n/a    5.5%       n/a   12.2%    7.1%
Norddeutsche Landesbank        4.6%       369    5.6%       n/a    6.2%    5.6%
Grupo Banca Civica             8.0%       n/a    5.6%       n/a   11.7%    9.4%
Caixa Ontinyent(16)            8.9%       n/a    5.6%       n/a    9.2%    7.2%
Banco Popolare                 5.8%       n/a    5.7%       n/a    6.7%    6.2%
Banco De Sabadell              6.2%       n/a    5.7%       n/a    9.2%    8.0%
WestLB                         8.7%       n/a    6.1%       n/a    7.3%    6.1%
Grupo BMN(9)                   8.3%       n/a    6.1%       n/a   11.4%    9.3%
================================================================================
                              -Actual Result-  Adverse Scenario     Recognised
                                 T1   Capital      T1   Capital   Capital Ratio
                              Ratio   Needed*   Ratio   Needed*    2011    2012
================================================================================
Bank Of Cyprus                 8.1%       n/a    6.2%       n/a   11.4%    9.5%
Caixa Geral De Depósitos       8.5%       n/a    6.2%       n/a    8.0%    6.5%
Colonya(17)                   11.2%       n/a    6.2%       n/a   11.4%    8.0%
Banca Monte(2)                 5.8%       n/a    6.3%       n/a    9.4%    8.8%
Royal Bank Of Scotland         9.7%       n/a    6.3%       n/a    7.2%    6.3%
Commerzbank                   10.0%       n/a    6.4%       n/a    6.8%    6.4%
La Caixa(6)                    6.8%       n/a    6.4%       n/a    9.2%    9.1%
Deutsche Bank                  8.8%       n/a    6.5%       n/a    6.7%    6.5%
Societe Generale               8.1%       n/a    6.6%       n/a    6.8%    6.6%
Unicredit                      7.8%       n/a    6.7%       n/a    7.7%    7.2%
Banco BPI                      8.2%       n/a    6.7%       n/a    7.9%    7.0%
Caja De Ahorros(11)            9.7%       n/a    6.7%       n/a    9.0%    7.3%
BPCE                           7.8%       n/a    6.8%       n/a    7.2%    6.8%
Effibank                       8.3%       n/a    6.8%       n/a   10.1%    8.3%
Dz Bank                        8.2%       n/a    6.9%       n/a    7.9%    6.9%
SNS Bank                       8.4%       n/a    7.0%       n/a    7.7%    7.0%
================================================================================
                              -Actual Result-  Adverse Scenario     Recognised
                                 T1   Capital      T1   Capital   Capital Ratio
                              Ratio   Needed*   Ratio   Needed*    2011    2012
================================================================================
Landesbank Baden-Württ.        8.2%       n/a    7.1%       n/a    7.5%    7.5%
Bayerische Landesbank          9.3%       n/a    7.1%       n/a    8.7%    8.3%
Bank Of Ireland                8.4%       n/a    7.1%       n/a    9.7%    8.7%
Caja España(10)                8.2%       n/a    7.3%       n/a   10.2%    8.4%
Barclays                      10.0%       n/a    7.3%       n/a    7.7%    7.3%
Alpha Bank                    10.8%       n/a    7.4%       n/a    9.4%    8.2%
Unione Di Banche Italiane      7.0%       n/a    7.4%       n/a    8.5%    8.1%
National Bank Of Greece       11.9%       n/a    7.7%       n/a   12.1%    9.7%
Lloyds Banking Group          10.2%       n/a    7.7%       n/a    8.1%    7.7%
Raiffeisen Bank                8.1%       n/a    7.8%       n/a    7.6%    7.8%
BNP Paribas                    9.2%       n/a    7.9%       n/a    8.3%    7.9%
Nova Kreditna Banka(4)         7.4%       n/a    8.0%       n/a    8.2%    8.0%
Erste Bank Group               8.7%       n/a    8.1%       n/a    8.3%    8.1%
Banco Santander                7.1%       n/a    8.4%       n/a    8.8%    8.9%
Credit Agricole                8.2%       n/a    8.5%       n/a    8.4%    8.5%
HSBC Holdings                 10.5%       n/a    8.5%       n/a    8.8%    8.5%
================================================================================
                              -Actual Result-  Adverse Scenario     Recognised
                                 T1   Capital      T1   Capital   Capital Ratio
                              Ratio   Needed*   Ratio   Needed*    2011    2012
================================================================================
Svenska Handelsbanken          7.7%       n/a    8.6%       n/a    8.2%    8.6%
WGZ Bank                      10.8%       n/a    8.7%       n/a    9.6%    8.7%
ING Bank                       9.6%       n/a    8.7%       n/a    8.9%    8.6%
Caja Vital Kutxa(15)          12.5%       n/a    8.7%       n/a   11.3%    9.2%
Grupo BBK Bank                10.2%       n/a    8.8%       n/a   12.1%   11.3%
Intesa Sanpaolo                7.9%       n/a    8.9%       n/a    9.4%    9.2%
DNB Nor Bank                   8.3%       n/a    9.0%       n/a    8.5%    9.0%
Dekabank(1)                   13.0%       n/a    9.2%       n/a    8.6%    9.2%
ABN Amro Bank                  9.9%       n/a    9.2%       n/a    9.6%    9.2%
BBVA(5)                        8.0%       n/a    9.2%       n/a    9.7%   10.2%
Nykredit                       8.8%       n/a    9.4%       n/a    9.0%    9.4%
Unicaja(12)                   12.5%       n/a    9.4%       n/a   14.0%   12.2%
Swedbank                       8.7%       n/a    9.4%       n/a    9.1%    9.4%
Nordea Bank                    8.9%       n/a    9.5%       n/a    9.3%    9.5%
KBC Bank                      10.5%       n/a   10.0%       n/a   11.0%   10.0%
Hypo Real Estate              28.4%       n/a   10.0%       n/a   12.6%   10.0%
================================================================================
                              -Actual Result-  Adverse Scenario     Recognised
                                 T1   Capital      T1   Capital   Capital Ratio
                              Ratio   Needed*   Ratio   Needed*    2011    2012
================================================================================
Allied Irish Banks             3.7%     1,269   10.0%       n/a   16.2%   11.7%
Kutxa(14)                     13.2%       n/a   10.1%       n/a   12.2%   10.5%
Dexia                         12.1%       n/a   10.4%       n/a   12.0%   10.4%
Landesbank Berlin             14.6%       n/a   10.4%       n/a   10.4%   10.4%
Bank Of Valletta              10.5%       n/a   10.4%       n/a   10.9%   10.4%
SEB(19)                       11.1%       n/a   10.5%       n/a   11.0%   10.5%
Rabobank Nederland            12.6%       n/a   10.8%       n/a   11.8%   10.8%
OP-Pohjola Group              12.2%       n/a   11.6%       n/a   11.5%   11.6%
PKO Bank Polski               11.8%       n/a   12.2%       n/a   12.1%   12.2%
Jyske Bank                    12.1%       n/a   12.8%       n/a   12.5%   12.8%
Danske Bank                   10.0%       n/a   13.0%       n/a   12.4%   13.0%
BCEE(3)                       12.0%       n/a   13.3%       n/a   12.9%   13.8%
Sydbank                       12.4%       n/a   13.6%       n/a   13.1%   13.6%
OTP Bank                      12.3%       n/a   13.6%       n/a   13.6%   13.6%
Irish Life And Permanent      10.6%       n/a   20.4%       n/a   27.8%   20.0%
Banca March                   22.2%       n/a   23.5%       n/a   27.5%   27.8%
================================================================================
                              -Actual Result-  Adverse Scenario     Recognised
                                 T1   Capital      T1   Capital   Capital Ratio

NOTE: Actual results as at 31 December 2010, adverse scenario as of 31 December 2012, including recognised mitigating measures as of 30 April 2011. Recognised Capital Ratio = Supervisory recognised capital ratio after all current and future mitigating actions. * = Additional capital needed to reach a 5% Core Tier 1 capital benchmark (EUR/Million). (1) = Dekabank Deutsche Girozentrale. (2) = Banca Monte Dei Paschi Di Siena. (3) = Banque Et Caisse D’Epargne De L’Etat. (4) = Nova Kreditna Banka Maribor. (5) = Banco Bilbao Vizcaya Argentaria. (6) = Caja De Ahorros Y Pensiones De Barcelona. (7) = Caixa D’Estalvis De Catalunya, Tarragona I Manresa. (8) = Caixa De Aforros De Galicia, Vigo, Ourense E Pontevedra. (9) = Grupo Banco Mare Nostrum. (10) = Caja España De Inversiones, Salamanca Y Soria, Caja De Ahorros Y Monte De Piedad. (11) = Caja De Ahorros Y M.P. De Zaragoza, Aragon Y Rioja. (12) = Monte De Piedad Y Caja De Ahorros De Ronda, Cadiz, Almeria, Malaga, Antequera Y Jaen. (13) = Caixa D’Estalvis Unio De Caixes De Manlleu, Sabadell I Terrassa. (14) = Caja De Ahorros Y M.P. De Gipuzkoa Y San Sebastian. (15) = Caja De Ahorros De Vitoria Y Alava. (16) = Caja De Ahorros Y M.P. De Ontinyent. (17) = Colonya - Caixa D’Estalvis De Pollensa. (18) = Caja De Ahorros Del Mediterráneo. (19) = Skandinaviska Enskilda Banken.

Source: EBA

To contact the reporter on this story: Mark Evans in London at mevans8@bloomberg.net

To contact the editor responsible for this story: Marco Babic at mbabic@bloomberg.net

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