European Central Bank Banking Supervision published its Supervisory Banking Statistics for significant institutions for the fourth quarter of 2025, providing aggregate COREP and FINREP-based indicators on balance sheets, profitability, capital, asset quality, funding and liquidity. Across 111 significant institutions, total assets stood at EUR 27,744.77 billion and net profit at EUR 187,783.22 million. Key ratios included a net interest margin of 1.52%, return on equity of 9.53% and cost of risk of 0.47%. Capital metrics showed a Common Equity Tier 1 ratio of 16.18% and a total capital ratio of 20.32%, while the (fully phased-in) leverage ratio was 5.95%. Asset quality indicators included a non-performing loans ratio of 2.18% excluding cash balances at central banks and other demand deposits, and stage 2 loans at 9.33% of total loans and advances subject to impairment review. Liquidity and funding measures reported a liquidity coverage ratio of 158.60%, a net stable funding ratio of 126.49% and a loan-to-deposit ratio of 100.49%. The statistics cover significant institutions at the highest level of consolidation and use a cut-off date of 2 March 2026.
European Central Bank - Banking Supervision 2026-03-18
European Central Bank Banking Supervision publishes fourth quarter 2025 statistics showing CET1 ratio at 16.18% for significant institutions
The European Central Bank Banking Supervision released its Supervisory Banking Statistics for Q4 2025, detailing key financial metrics for 111 significant institutions. Total assets reached EUR 27,744.77 billion with a net profit of EUR 187,783.22 million. Capital and liquidity ratios remained robust, including a Common Equity Tier 1 ratio of 16.18% and a liquidity coverage ratio of 158.60%. Asset quality indicators showed a non-performing loans ratio of 2.18% and stage 2 loans at 9.33% of total loans.