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11/8/2025 Research EN
UK car finance: redress scheme will have modest impact on UK banks rated by Scope
The UK Supreme Court judgment partially reversing the Court of Appeal ruling on car finance provides widespread relief to the banks affected as it will materially reduce compensation payouts. The FCA redress scheme will further moderate credit pressures.

8/8/2025 Research EN
Italian Bank Quarterly: strong stress-test results, H1 performance provide reassurance
Stress-test results demonstrate the improvements Italian banks have made in recent years. Capital positions are comfortable, asset quality is robust and profitability is resilient. Record first-half results point to another strong year.

6/8/2025 Research EN
EU bank stress tests: resilience in the face of not-so-remote downside risks
The EU bank stress-test results align with our view that banks’ credit profiles are resilient and would help soften the impact of rising economic and other challenges on credit risk. But risk is skewed to the downside.

4/8/2025 Research EN
Scope proposes updated Financial Institutions methodology and calls for comments
Scope Ratings requests comments on its Financial Institutions Rating Methodology by 4 September 2025. The proposed changes to the methodology are not expected to have an impact on outstanding ratings assigned by Scope.

24/7/2025 Research EN
Mid-year European bank outlook: earnings expected to stay resilient through risks skewed to downside
European bank earnings will remain resilient in 2025, although we expect net interest margins to shrink. Given the low visibility around the impact of trade wars and geopolitics and the uncertain economic environment, risks remain skewed to the downside.

16/7/2025 Research EN
Covered Bond Quarterly: higher mortgage rates highlight need for macroprudential measures in Europe
Higher mortgage rates have increased pressure on housing affordability. Longer fixed-rate mortgages periods limit the risk of shocks to the banking system and support the resilience of euro-area mortgage markets.

11/7/2025 Research EN
French bank quarterly: net interest income and strong CIB performance support revenue momentum
Competitive pressures have intensified but we still expect French banks’ profits to grow this year, supported by retail and corporate and investment banking. But profitability still lags EU peers, as large operating structures weigh on cost efficiency.