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

  • Aggregate Common Equity Tier 1 ratio at 16.12% in second quarter of 2025, up from 16.05% in previous quarter and from 15.81% one year ago
  • Aggregated annualised return on equity at 10.11% in second quarter of 2025, compared with 9.85% in previous quarter and 10.11% one year ago
  • Aggregate non-performing loans ratio (excluding cash balances) at 2.22%, down from 2.24% in previous quarter and 2.30% one year ago
  • Liquidity coverage ratio at 157.84% in second quarter of 2025, up from 156.24% in previous quarter

Published on the 17th of September 2025

Capital adequacy

(Data portal main figures)

In the second quarter of 2025, the aggregate Common Equity Tier 1 (CET1) ratio and the Tier 1 ratio 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 CET1 ratio stood at 16.12% and the aggregate Tier 1 ratio stood at 17.60%. At the same time, the aggregate total capital ratio stood at 20.24%, down slightly from 20.29% in the previous quarter. Across countries, the CET1 ratio ranged from 13.18% in Spain to 23.71% in Latvia in the second quarter of 2025.

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Updated on the 17th of September 2025

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