Stress test results at the individual bank level
The Bundesbank’s stress test results at the individual bank level are also made available to
banking supervisors at BaFin. Supervisors then engage with the banks as part of their regular
supervisory meetings on areas of concern flagged in the stress tests. Stress tests results are
also used as inputs when updating the risk profile of an institution.
Through the minimum risk management requirements – as specified in the so-called MaRisk
document – supervisors have also taken steps to formalise supervisory expectations
surrounding bank stress tests, as well as the requirement for banks to be more forward-
looking in their capital planning process.
The German authorities also expect to use the
upcoming EU-wide Stress Tests and Comprehensive Assessment to obtain a forward looking
assessment of the vulnerabilities of the German banks.