Article

Changes to the LSI Stress Test 2026

Technical classification, regulatory requirements and timing implications from the pilot survey

NEWS 01/2026

The 2026 LSI stress test will be conducted again this year for German credit institutions in accordance with the regular two-year cycle. The aim of the survey is to analyse the earnings situation and capital development of Less Significant Institutions (LSI) under baseline and stress conditions over a multi-year horizon.

Devi Ndoj

Regulatory Law

8. April 2026 8 minutes reading time

Customer Magazin NEWS 01/2026, msg for banking

Significance of the 2026 LSI Stress Test and its relevance for institutions
General approach: Survey and stress test
Changes compared to the 2024 LSI Stress Test
Regulatory timetable and phases of the 2026 LSI stress test
Conclusion
Footnotes

Significance of the 2026 LSI Stress Test and its relevance for institutions

In line with the regular two-year cycle, the 2026 LSI Stress Test is being conducted again this year for German credit institutions. The aim of the survey is to analyse the earnings situation and capital development of Less Significant Institutions (LSIs) under baseline and stress conditions over a multi-year horizon.

The 2026 LSI stress test is divided into two closely interlinked components: a survey section based on the institution’s own planning, and a standardised stress test section to simulate adverse developments. The 2025 annual financial statements serve as the data basis.

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Devi Ndoj

heads the Capital and Financial Management department and, together with his team, supports banks in further developing their risk management and overall bank management. In doing so, he assists institutions both conceptually and in the practical implementation of regulatory requirements.

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