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October 12, 2026

Newsletter

The European Post

Policy • Diplomacy • strategic insight

LATEST
Social Security Coordination Reform Clears The Council After A DecadeCreative Europe 2027 Budget Sets €402 Million For Final YearNature Restoration Plans Reach Brussels As Review Clock StartsBerlin Sudan Aid Pledges Now Face A Delivery TestLebanon Tranche Ties EU Support For Lebanon To Reform GoalsLeaving The Parental Home Now Takes Until 26.3 Across The EUDigital Fairness Act Targets Dark Patterns Before Q4 DraftSatellite Operators Await The EU Space Act TriloguesCeuta Crisis Hangs Over Leaders Debate On Irregular Border CrossingsTen Warships Needed For Operation Aspides As Foreign Ministers MeetAmbassadors Weigh Digital Omnibus Cookie Rules On Sunday VoteHousing Exclusion Recommendation Heads To MinistersCapital Markets Supervision Package Wins A Council PositionPanama And Viet Nam Exit The EU Tax Blacklist In ReviewSixteen Capitals Run Late On The Consumer Credit Directive DeadlineBuilding Renovation Plans Leave Nine Capitals Facing EU Legal ActionEU-China Hybrid Car Deal Leaves Leaders To Judge Beijing’s OfferSwitzerland-EU Treaty Package Faces A Cantonal Majority Test In 2027Hybrid Threats Draw The EU Partnership Mission In ArmeniaFarm Quotas Hinge On The EU-Mercosur Interim Trade AgreementSocial Security Coordination Reform Clears The Council After A DecadeCreative Europe 2027 Budget Sets €402 Million For Final YearNature Restoration Plans Reach Brussels As Review Clock StartsBerlin Sudan Aid Pledges Now Face A Delivery TestLebanon Tranche Ties EU Support For Lebanon To Reform GoalsLeaving The Parental Home Now Takes Until 26.3 Across The EUDigital Fairness Act Targets Dark Patterns Before Q4 DraftSatellite Operators Await The EU Space Act TriloguesCeuta Crisis Hangs Over Leaders Debate On Irregular Border CrossingsTen Warships Needed For Operation Aspides As Foreign Ministers MeetAmbassadors Weigh Digital Omnibus Cookie Rules On Sunday VoteHousing Exclusion Recommendation Heads To MinistersCapital Markets Supervision Package Wins A Council PositionPanama And Viet Nam Exit The EU Tax Blacklist In ReviewSixteen Capitals Run Late On The Consumer Credit Directive DeadlineBuilding Renovation Plans Leave Nine Capitals Facing EU Legal ActionEU-China Hybrid Car Deal Leaves Leaders To Judge Beijing’s OfferSwitzerland-EU Treaty Package Faces A Cantonal Majority Test In 2027Hybrid Threats Draw The EU Partnership Mission In ArmeniaFarm Quotas Hinge On The EU-Mercosur Interim Trade Agreement

CRR3 Dashboard Puts The Average Bank CET1 Ratio At 15.1 Percent

Baltasar Haraldsson
Legislative Monitor, Financial Services and Banking

Paris: The CRR3 dashboard published by the European Banking Authority on 9 October 2026 puts the average projected CET1 ratio of European banks at 15.1 percent under the fully loaded CRR3 framework. The release covers second quarter 2026 data for 129 banks, all measured at the highest level of consolidation. It gives supervisors, investors and lawmakers an early view of how the revised Capital Requirements Regulation will bite once its transitional arrangements end.

The headline ratio looks comfortable, yet the authority notes that the impact of the output floor has grown compared with earlier editions of the exercise. The output floor limits how far banks can lower their capital requirements by relying on internal models, because it ties those requirements to what the standardised approaches would produce. A larger floor effect means that more lenders feel the constraint, and it explains why the CRR3 dashboard draws close attention from institutions that depend heavily on internal models.

The dashboard belongs to a busy run of supervisory publications from the EBA. On 25 September 2026 the authority released its quarterly Risk Dashboard for the second quarter, and on 23 September the three European Supervisory Authorities flagged external dependencies, emerging technologies and private credit as key vulnerabilities in their autumn 2026 risk update. On 30 September the EBA also published its 2027 work programme, which it describes as the first step toward a medium-term strategy for a next-generation regulator.

Readers should treat the 15.1 percent figure as a projection and not as a forecast of actual capital positions. The CRR3 dashboard applies the fully loaded rules to data that banks reported for the second quarter, so it shows what balance sheets would look like if every transitional relief had already expired. Banks can still adjust their capital plans, their portfolio mix and their model approvals before the final phase-in dates arrive.

For policymakers, the exercise answers a practical question. The debate about whether Basel III implementation in Europe will weigh on lending or protect financial stability continues in Parliament, in the Council and in the banking sector itself. The CRR3 dashboard gives all sides a shared evidence base. An average of 15.1 percent suggests that the sector can absorb the new rules in aggregate, while the rising output floor effect shows that the burden will fall unevenly between business models.

Attention now turns to the next edition. Banks will report fresh figures in the coming months, and the EBA will update its analysis with them. Analysts will watch whether the average ratio stays near 15.1 percent and whether the floor effect keeps growing. Until then, the CRR3 dashboard remains the clearest public guide to how EU banks will meet their capital requirements in 2026 and beyond.

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