The European Central Bank published consolidated banking data for the EU banking system as at end-September 2025, showing aggregate total assets of EU‑headquartered credit institutions rising 0.95% year on year to EUR 33.44 trillion and the aggregate non-performing loans ratio edging up by 0.01 percentage points to 1.97%. The dataset also reports an aggregate return on equity of 7.41% and a Common Equity Tier 1 ratio of 16.43% in September 2025. The quarterly release is compiled on a group consolidated basis and covers 336 banking groups and 2,289 stand-alone credit institutions plus non-EU controlled subsidiaries and branches operating in the EU, representing nearly 100% of the sector’s balance sheet. It provides aggregates and indicators across profitability and efficiency, balance sheet composition, liquidity and funding, asset quality, asset encumbrance, capital adequacy and solvency; reporting generally follows International Financial Reporting Standards and the European Banking Authority’s Implementing Technical Standards on Supervisory Reporting, with some small and medium-sized reporters using national accounting standards. The published figures include a small number of revisions to past data, and the data for Denmark are flagged as tentative pending completion of certain quality checks. The consolidated banking data are available via the ECB Data Portal, with linked series subject to change in future releases due to revisions.
European Central Bank 2026-02-13
European Central Bank publishes end-September 2025 consolidated EU banking data showing assets up 0.95% and NPL ratio at 1.97%
The European Central Bank released consolidated banking data for the EU as of September 2025, showing a 0.95% increase in total assets to EUR 33.44 trillion and a slight rise in the non-performing loans ratio to 1.97%. The data, covering nearly 100% of the sector's balance sheet, also reports a return on equity of 7.41% and a Common Equity Tier 1 ratio of 16.43%, with some figures subject to future revisions.