UK bank stress tests: RBS and StanChart near-misses
Alice Tidey | CNBC. The Bank of England (BoE) left interest rates and its asset purchase target unchanged on Thursday. · CNBC

Royal Bank of Scotland (London Stock Exchange: RBS-GB) and Standard Chartered (London Stock Exchange: STAN-GB), the U.K.-based banks, scraped through the country's bank stress tests after taking steps to improve their capital ratios during the testing process.

The Bank of England - which ran the tests - said it planned to make banks hold as much as £10 billion ($15.1 billion) in extra capital as the credit cycle begins to normalize.

The scenario which the banks were expected to be able to withstand as part of the test, included an emerging markets-led downturn, with China's gross domestic product declining to an annual rate of 1.7 percent, followed by a fresh euro zone crisis, deflation and recession.

HSBC (London Stock Exchange: HSBA-GB) and Standard Chartered (London Stock Exchange: STAN-GB), both of which are emerging markets-focused, would likely be worst hit initially under this scenario.

Last year, the Co-Operative Bank was the only U.K. bank to fail the tests, while state-backed Lloyds Banking Group (London Stock Exchange: LLOY-GB) and RBS came close to missing the capital levels set under the stress tests.

Ewen Stevenson, chief financial officer of RBS, said in a statement: "We are pleased with the progress we have made relative to the 2014 stress test, but recognize we still have much to do to restore RBS to be a strong and resilient bank for our customers."

The Bank of England also said on Tuesday that U.K. banks' capital requirements wouldn't continue to rise, signaling an end to the post-credit crisis era of increased caution.




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