The European Banking Authority plans to explain to banks Friday its criteria for stress tests. The regulator will name about 90 financial institutions that will be subjected to the assessments, which will determine which are in need of fresh capital. EBA Chairman Andrea Enria said he is confident that the tests will be more stringent than previous assessments. "We want to ensure consistency throughout Europe," he said. "It is difficult, but we think we have made a lot of progress on that, at least in the part of the instruments that is going into capital."