2027 bank stress test cuts required data points by 55 percent
Banks will report 55 percent fewer data points in the European Banking Authority's (EBA) 2027 EU-wide stress test. A separate module will assess climate risks for the first time without affecting core results.
Fewer templates, same solvency test
The EBA has released the final methodology, draft templates and guidance for the 2027 exercise following extensive industry engagement.
Simpler templates and closer use of supervisory reporting concepts, particularly for credit risk, account for most of the data reduction.
The EBA says this will reduce operational burden while preserving robustness, risk sensitivity and comparability.
Banks will use a constrained bottom-up approach with top-down elements and static balance sheets to assess solvency under baseline and adverse scenarios.
A separate module covers physical and transition climate risks.
The participating bank sample and draft templates remain subject to changes before launch.
January launch, July results
The exercise starts at the end of January 2027 after macroeconomic and climate scenarios are released.
Banks submit results at the end of April, again at the end of May and finally in early July; publication follows by the end of July 2027.
Simplification forms part of supervisory reporting changes announced on April 10, 2026, and follows the EBA's efficiency report of October 1, 2025.
The work involves its Task Force on Efficiency and the campaign Simplifying to strengthen: building a more efficient EU prudential and supervisory framework.
Climate stays outside core results
The climate module does not change core stress test results.
The exercise informs supervision and market discipline by testing resilience to common adverse developments.
The EBA coordinates with the European Central Bank, European Systemic Risk Board and relevant national competent authorities.