1.

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2.

Yesterday, the Committee of European Banking Supervisors (CEBS) released the results of the 2010
EU-wide stress test, conducted in coordination with 20 national supervisory authorities. In total, 91
European banking groups were examined, representing approximately 65% of the EU banking
system’s total assets, a marked expansion beyond the 26 major cross-border banking groups that were
tested. in 2009; all but 7 of the 91 banks “passed” the stress tests. CEBS acknowledged that “the
aggregate results suggest a rather strong resilience for the EU banking system as a whole and may
appear reassuring for the banks in the exercise, but it should be emphasized that this outcome is
partly due to the continued reliance on government support for a number of institutions.” CEBS
cautioned that “any considerations of possible exit strategies should rather take into account
detailed case-by-case analysis in order to ensure banks’ long-term viability  after an exit from.

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The period ? of 2010 EU-wide stress test was to assess “the resilience of the EU banking system to
possible adverse economic developments and to assess the ability of banks in the exercise to absorb
possible shocks on credit and market risks, including sovereign risks,” and to assess their current
dependence on public support measures. The test involved modeling macroeconomic and sovereign
debt stresses using two sets of macro-economic purpose a “benchmark” scenario and an “adverse”
scenario, with specific assumptions and methodologies detailed in the summary report. The stress test
started with consolidated 2009 year end capital levels, applied the various scenarios over a two-year
period (2010-2011), and used a 6% Tier 1 capital ratio as a benchmark.

4.

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7. 1.variety, 2.finances 3.monetary 4.problems 5.offices 6.supervised 7.loan

8.