In 2026, the Financial Stability Authority (FFSA) will focus on testing the resolution capabilities of banks as part of its bank-related planning work. The purpose of resolution planning is to prepare to manage potential financial crises faced by banks.
The key objective of resolution planning is to promote the resolution capabilities of banks so that their operations can be stabilised and reorganised in a controlled and efficient manner during financial crises. In addition to resolution capabilities, deposit banks must have a continuous ability to provide the FFSA with the information required for the potential payment of deposit guarantee compensation.
Further emphasis on testing in resolution planning
In 2026, the focus of resolution planning shifts to the testing of the operationalisation of the resolution capabilities of banks. The FFSA has defined its first multi-annual testing programmes for banks, which determine the topics that banks must focus on in their testing between 2026 and 2028. These testing programmes are based on the European Banking Authority’s (EBA) resolvability testing guidelines.
The purpose of the guidance and the multi-annual testing programmes is to ensure that banks regularly test their resolution capabilities to the extent defined by the resolution authority. Multi-annual testing programmes also help to increase the predictability of resolution planning.
In 2026, the tests conducted by banks will focus on producing data across different dimensions of resolvability. In addition, this year, banks are required to test their FMI capabilities (i.e. access to Financial Market Infrastructures). Banks are also expected to continue to develop their resolution capabilities.
Over the three-year cycle, banks will test all dimensions of resolvability. This will help ensure the usability and operationalisation of the plans, playbooks, and process descriptions already prepared by banks in previous years. The multi-annual testing programme will be updated annually, and the FFSA will specify its tests for 2027 and 2028 in its upcoming programmes.
FFSA to examine banks’ deposit guarantee capabilities
In 2026, the FFSA will examine the data submission capabilities of banks in relation to the payment of deposit guarantee compensation. This will be carried out through individual workshops with each bank, organised by the FFSA at the bank’s own premises. These workshops will focus on the bank’s information systems and the processes required for the reporting of depositor and account information and, in particular, on the quality assurance for data production. The workshops will help expand the scope of the FFSA's testing, as the main focus in previous years has been on testing the data content submitted by banks to the FFSA.
Further information:
Anni-Mari Karvinen, Head of Resolution Unit
firstname.lastname(at)rahoitusvakausvirasto.fi
Read more about resolution planning on FFSA’s website.
Read more about deposit guarantee on FFSA’s website.
More information on current FFSA news and events
