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  "documentTitle": "AM EBA ST 2023 Results First Glance Analysis vf2 v1",
  "authorId": "AlvarezMarsal",
  "authorName": "Alvarez & Marsal",
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  "notes": "The chart uses a scatter plot to categorize banks into three zones based on post-stress CET1 levels (No Buffer, Low Buffer, Ample Buffer).",
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      "text": "Overall, second highest capital depletion in EBA Stress Test history (CET1 decline of 459bps, 26bps lower than in 2021).",
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      "text": "Scatter plot of 2021 CET1 vs 2023 CET1",
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      "text": "Overall, second highest capital depletion in EBA Stress Test history (CET1 decline of 459bps, 26bps lower than in 2021)\nIn addition, results show much higher dispersion among banks, from +59bps of Bank Polska to -1462bps of Banque Postale\nBanque Postale results in a no buffer zone due to its capital depletion, and 16 banks end the 2023 adverse CET1 within a low buffer zone",
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      "kind": "metric",
      "text": "CET1 ratio: 459bps",
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      "toolName": "Quantification",
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      "kind": "source-note",
      "text": "Note: CITI, DEA, GSBE, HASPA, JMP, MSE, NRW, SYD, ABA, KXA, KXB, UNI, BOFA, ALPHA, AUROER, NBG, PIRAGH, BARC, CITIH, BPER, CCB, IBICCC, VOLKS assumes 2021 equal to 2023",
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      "kind": "subtitle",
      "text": "Capital flexibility has improved as compared to ST'21 due to higher CET1 starting point level. Only one bank falls below 5.5% (Banque Postale) and only 17 banks ends with low levels of buffer and CET1 post stress below 9%.",
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      "kind": "title",
      "text": "1. EBA Stress Test Impacts",
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