The European Banking Authority (EBA), together with the European Central Bank (ECB) and the European Systemic Risk Board (ESRB), published the results of the EU-wide stress tests for 2025. The result: BBVA is one of the most robust banks in Europe.
What is a stress test?
A stress test checks how well a bank can cope with economic crisis scenarios, such as a sudden economic downturn, sharply rising unemployment or falling real estate prices. The aim is to ensure the stability of the financial system and to identify risks at an early stage.
How did BBVA perform?
The tests were carried out based on a three-year period (2025–2027). Two scenarios were considered:
- Baseline scenario: Here, BBVA's capital ratio (CET1 fully loaded) would rise to 16.43% by the end of 2027 – a very solid result.
- Crisis scenario (adverse): Even under tightened conditions, the capital ratio would only fall by 2.18 percentage points in the first year and amount to at least 10.70% – well above the regulatory minimum requirements. By the end of 2027, it would recover to 11.02%.
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What does this mean for customers?
The results show that BBVA is financially stable and well positioned even in difficult times.
For you as a customer this means:
- Security for your money – even in times of economic turbulence.
- Trust in the bank – BBVA fulfills high European supervisory requirements.
- Long-term stability – the bank can remain operational even in crises.
Summary
The 2025 stress tests confirm that BBVA is one of the most resilient banks in Europe. This is not only a success for the bank – it's also a reassuring signal for everyone who manages their money through BBVA.
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