ECB publishes supervisory banking statistics on significant institutions for the first quarter of 2025

Aggregate Common Equity Tier 1 ratio at 16.05% in first quarter of 2025, up from 15.95% in previous quarter and from 15.74% one year ago
Aggregated annualised return on equity at 9.85% in first quarter of 2025, up from 9.54% in previous quarter and from 9.67% one year ago
Aggregate non-performing loans ratio (excluding cash balances) at 2.24%, compared to 2.28% in previous quarter and 2.31% one year ago
Share of loans showing significant increase in credit risk (stage 2 loans) at 9.76%, down from 9.93% in previous quarter but up from 9.50% one year ago
Supervisory banking statistics also available as interactive reports for first time, providing enhanced user customisation

Published on the 6th of August 2025

Capital adequacy

In the first quarter of 2025, the aggregate capital ratios of significant institutions (banks supervised directly by the ECB) were up from the previous quarter and compared with the same period last year.
The aggregate Common Equity Tier 1 (CET1) ratio stood at 16.05%, the aggregate Tier 1 ratio stood at 17.53% and the aggregate stood at 20.28%. This quarterly development was driven by the increase in the capital amounts (numerators), while the total risk exposure (denominator) remained stable. Across countries, the CET1 ratio ranged from 13.04% in Spain to 24.98% in Lithuania in the first quarter of 2025.

Updated on the 6th of August 2025