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

Common Equity Tier 1 ratio at 16.18% in fourth quarter of 2025, compared with 16.10% in previous quarter and 15.97% one year ago
Annualised return on equity at 9.53% in fourth quarter of 2025, down from 9.88% in previous quarter and from 9.54% one year ago
Non-performing loans ratio (excluding cash balances) at 2.18% in fourth quarter of 2025, the lowest value since series first published in 2020
Liquidity coverage ratio at 158.60% in fourth quarter of 2025, compared with 156.71% in previous quarter and 158.28% one year ago
Loan-to-deposit ratio at 100.49%, the second-lowest value since series began in 2015

Published on 18th of March 2026

Capital adequacy

Capital ratios interactive report

In the fourth quarter of 2025, the aggregate capital ratios of significant institutions (banks supervised directly by the ECB) were up from the previous quarter and from the same period last year. The aggregate Common Equity Tier 1 (CET1) ratio stood at 16.18%, the aggregate Tier 1 ratio at 17.68% and the aggregate total capital ratio at 20.32%. Across countries, the CET1 ratio ranged from 13.29% in Spain to 22.05% in Latvia.

Updated on the 18th of March 2026