The European Banking Authority published its second quarter 2026 CRR3/CRD6 dashboard, finding that 129 EU and European Economic Area banks would maintain capital well above minimum requirements under the fully loaded CRR3 framework. The average Common Equity Tier 1 ratio is projected at 15.1%, although the output floor’s estimated impact has increased from previous assessments. The fully loaded framework is projected to raise Tier 1 minimum required capital by 6%, compared with 5.1% based on fourth quarter 2025 data, mainly because of higher standardized total risk exposure amounts. A total of 33 institutions would be bound by the fully loaded output floor. Assuming static balance sheets, no capital shortfalls would arise before 2030, when projected shortfalls reach EUR 2.2 billion. They would rise to EUR 18.5 billion in 2033 under the fully loaded framework, equivalent to an average of 0.6% of the sample banks’ current total capital. The estimates do not capture credit risk transitional arrangements because current supervisory reporting data remain incomplete. Their expiry is expected to increase standardized equivalent credit risk risk weighted assets and could affect the estimated output floor impact, with the data limitation due to be addressed in future supervisory reporting releases.
European Banking Authority dashboard finds banks remain above capital minimums despite increased output floor impact
The European Banking Authority found that 129 EU and European Economic Area banks would maintain capital above minimum requirements under fully loaded CRR3, with an average projected Common Equity Tier 1 ratio of 15.1%. The framework would raise Tier 1 minimum required capital by 6%, with 33 institutions bound by the output floor. Under static balance sheets, projected shortfalls would be EUR 2.2 billion in 2030 and EUR 18.5 billion in 2033.