The European Banking Authority has published its Q3 2025 Risk Dashboard, now hosted for the first time on the European Data Access Portal, showing that EU/EEA banks’ key prudential and performance metrics remained broadly stable despite elevated macroeconomic and geopolitical risks. Capital and liquidity indicators held up, with the transitional common equity tier 1 ratio under the revised Capital Requirements Regulation (CRR3) at 16.3% and risk-weighted assets at EUR 10.1 trillion. The liquidity coverage ratio eased to 160.7% and the net stable funding ratio to 126.8%. Total assets were steady at EUR 29.1 trillion, with debt securities up 2% to 14.9% of assets, while loan growth to households and non-financial corporations was 0.2% and residential real estate lending declined slightly. Non-performing loans totalled EUR 373 billion and the NPL ratio remained 1.8%, with the highest NPL ratios in consumer credit and SMEs; stage 2 loans fell to 9.3% and the cost of risk was 0.47%, the lowest since Q3 2023. Profitability remained stable, with return on equity at 10.7%, net interest margin at 1.58% and the cost-to-income ratio down to 52.3%. EDAP is positioned as the central hub for EU/EEA supervisory data, with underlying Risk Dashboard data available for direct download. The portal is expected to expand its content, including Pillar 3 data in Q1 2026, alongside the already available Transparency exercise results.

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