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Italy's Monte dei Paschi shares suspended twice after 'stress tests' | Italy's Monte dei Paschi shares suspended twice after 'stress tests' |
(about 7 hours later) | |
Trading in shares of Italy's Monte dei Paschi bank was suspended twice on Monday because of heavy losses. | |
Monte dei Paschi's shares eventually closed 21.5% lower after it emerged as the worst performer in official stress tests. | |
In all, 24 of 123 banks failed the European Banking Authority (EBA) tests, designed to find out if they could withstand another financial crisis. | In all, 24 of 123 banks failed the European Banking Authority (EBA) tests, designed to find out if they could withstand another financial crisis. |
Share prices in most EU banks fell following publication of the results. | |
Lloyds Banking Group shares closed down 1.8% after it narrowly passed the tests. | |
All UK bank shares - Barclays, RBS, HSBC, Standard Chartered and new joiner TSB - also closed lower. | |
Monte dei Paschi bank was founded in 1472 for the purpose of granting loans to "poor or miserable or needy persons". | Monte dei Paschi bank was founded in 1472 for the purpose of granting loans to "poor or miserable or needy persons". |
A handful of the strongest banks saw their shares rise, including Austria's Erste Bank and Germany's Commerzbank. | |
Financial health | Financial health |
The health check by the EBA was based on the banks' financial health at the end of 2013. | The health check by the EBA was based on the banks' financial health at the end of 2013. |
No UK banks failed the EBA tests. Of the 24 banks that did fail, 10 of them have taken measures to bolster their balance sheets in the meantime. | No UK banks failed the EBA tests. Of the 24 banks that did fail, 10 of them have taken measures to bolster their balance sheets in the meantime. |
There are 14 banks that still need to raise more capital. Four are Italian, two Greek, two Belgian and two more Slovenian. | There are 14 banks that still need to raise more capital. Four are Italian, two Greek, two Belgian and two more Slovenian. |
Also on Sunday, the European Central Bank (ECB) carried out an overlapping survey of 130 eurozone banks. | Also on Sunday, the European Central Bank (ECB) carried out an overlapping survey of 130 eurozone banks. |
The ECB said 25 banks had failed its test, but 12 of those had already taken remedial action. | The ECB said 25 banks had failed its test, but 12 of those had already taken remedial action. |
The ECB's total is higher than the EBA's because of Spain's Liberbank, which passed the stress test but failed the ECB's Asset Quality Review. | The ECB's total is higher than the EBA's because of Spain's Liberbank, which passed the stress test but failed the ECB's Asset Quality Review. |
Analysis: Robert Peston, Economics editor, BBC News | Analysis: Robert Peston, Economics editor, BBC News |
Certainly this was a much more realistic evaluation than previous exercises. | Certainly this was a much more realistic evaluation than previous exercises. |
But, again, that is not the whole story. | But, again, that is not the whole story. |
If this exercise to rehabilitate banks had been carried out two years ago, the impact on the recovery of the eurozone might well have been quite powerful. | If this exercise to rehabilitate banks had been carried out two years ago, the impact on the recovery of the eurozone might well have been quite powerful. |
But today the eurozone's weakness is as much about the demand for credit as the supply | But today the eurozone's weakness is as much about the demand for credit as the supply |
It is all very well putting banks in a position to lend, but if households and businesses are reluctant to borrow, because their confidence in the future of the eurozone is shattered, then - like the proverbial gee-gee led to water - they won't drink (or borrow). | It is all very well putting banks in a position to lend, but if households and businesses are reluctant to borrow, because their confidence in the future of the eurozone is shattered, then - like the proverbial gee-gee led to water - they won't drink (or borrow). |
Read Robert's blog in full | Read Robert's blog in full |