Every chart we publish, free to cite as Ezelman.
Six packs in eight files: the large-bank cohort read, CCF, P2G formation, the 2027 stress-test walkthrough, RWA under CRR3 and MDA headroom. Reproduce any chart in a sector note, research or journalism with the attribution below.
the files date from April and May 2026; read each pack with its source article, which carries the current status. The H2 2026 refresh of the six-bank cohort read is in preparation on the Q2 2026 disclosure round; publication date to be announced.
All six packs were cut by 5 May 2026, before the EBA's 11 June draft methodology for the 2027 stress test.
Six Ezelman chart packs in eight PDF and PPTX files, free to reproduce in research notes and journalism with the attribution Source: Ezelman and a link back.
Six packs, each linked to the article it illustrates.
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EU large-bank cohort, Q1 2026
15 slides, PDF and PPTX · dated 1 May 2026
A five-bank Q1 2026 comparative (the homepage cohort read covers six): BNP Paribas, Santander, Société Générale, BBVA and Deutsche Bank side by side: P2R decomposition, the OCR, MDA and floor ladder, cohort radar, EBA 2025 stress depletion and cost-income league.
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CCF: the canary on the CRR3 pipeline
12 pages, PDF and PPTX · dated 14 April 2026
The EBA mandate pipeline behind CRR3, the output-floor phase-in path and the economics of A-IRB, F-IRB and the standardised approach. Read the source article.
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P2G formation logic
1 page · dated 5 May 2026
The four inputs that drive a P2G recommendation and the seven operational tests behind them. Read the source article.
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EBA 2027 stress test walkthrough
2 pages · dated 5 May 2026
Methodology, ESRB scenario anchors, starting points and management-action discipline, on public data. Prepared before the EBA draft methodology of 11 June 2026. Read the source article.
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RWA optimisation under CRR3
2 pages · dated 5 May 2026
Where the basis points sit: asset-class heatmap, output-floor sensitivity and RWA migration paths. Read the source article.
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MDA headroom 2028
2 pages · dated 5 May 2026
CET1 trajectory under CRR3, the output-floor phase-in and the 2027 EU-wide stress test. Read the source article.
Cite as Ezelman and link back where the format allows.
Charts may be reproduced in sector notes, equity research, journalism and teaching material. Attribution: Source: Ezelman, ezelman.com/downloads/chart-pack/
For high-resolution masters or a chart we have not published, write to research@ezelman.com.
Three places the charts come from.
The essays behind the packs
P2G formation, MDA headroom and the 2027 stress test, dated and sourced.
ResourcesAll seven artefacts on one shelf
The diagnostic, the briefing, the dataset and the thesis, each with its edition date.
PressPress desk
Positions on the record and how to reach the founder for comment.
Put the charts to work on your own 2027 file.
The CRO Briefing 2026 turns the stress-test pack into six items a CRO owns before submission. Test them in 30 minutes with the founder.
Hannan MohammadFounder and Managing Partner, Ezelman