Methodology · v3.1

ESTRRésultat stress test EBA

Outcome of the latest supervisory stress test for {legal_name}, reported as adverse-scenario CET1 depletion (banks) or adverse-scenario SCR ratio (insurers). EXTRACTION RULES: COUNTRY-AGNOSTIC — accept the result published by the bank/insurer's HOME prudential supervisor, not only the EU regime. Banks: EBA EU-wide stress test (eba.europa.eu/risk-and-data-analysis/risk-analysis/eu-wide-stress-testing) for EU/EEA banks; Bank of England / PRA Annual Cyclical Scenario (bankofengland.co.uk) for UK banks; US Federal Reserve CCAR / DFAST (federalreserve.gov) for US banks; FINMA / SNB (finma.ch / snb.ch) for Swiss banks; APRA (apra.gov.au) for Australian banks; and the equivalent named supervisor for any other home regime. Insurers: EIOPA (eiopa.europa.eu) or the equivalent home supervisor. Always cite the official supervisor results page + the company-specific result document, and report the adverse-scenario CET1-depletion percentage on the SAME band regardless of regime. Return exact_numerical{value: <adverse_cet1_or_scr_pct>, unit: "percent", source_urls: [supervisor results page + company-specific result PDF]}. Server applies ratio_band (CET1 depletion: <2→95 strong, 2-4→75, 4-6→55, 6+→25). If {legal_name} is NOT in ANY supervisory stress-test sample (the common case for smaller institutions outside the major-bank samples), return type="absent" with reason="not_in_stress_test_sample" — DO NOT fabricate. "Not in a sample" is a genuine data-absence, handled cleanly as not_applicable; never invent a depletion figure.