The Bank of Spain published updated Supervisory Statistics on Credit Institutions through the fourth quarter of 2025, indicating that credit institutions operating in Spain maintained a favourable position across solvency, liquidity, profitability and asset quality. Capital ratios rose to recent highs, liquidity remained comfortably above regulatory minima, and non-performing loans continued to decline. Common Equity Tier 1 stood at 13.94%, Tier 1 at 15.48% and total capital at 18.10%, with total capital at 17.69% for significant institutions and 26.29% for less significant institutions. The aggregate leverage ratio was 5.70%, while the liquidity coverage ratio fell to 171.83% from 174.36% in the previous quarter, reflecting net liquidity outflows increasing faster than the liquidity buffer; the loan-to-deposit ratio was 94.55%. The non-performing loan ratio, excluding cash balances at central banks and other demand deposits at credit institutions, decreased to 2.62% from 2.91% a year earlier; stage 2 loans fell to 5.86% and the cost of risk was broadly stable at 0.87%. Annualised return on equity was 14.04% (14.57% for significant institutions and 10.44% for less significant institutions). The release updates quarterly information to Q4 2025, based on underlying data received up to 5 March 2026, and the Bank of Spain indicated the supervisory statistics will continue to be published quarterly in line with its statistical release calendar.

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