ECB publishes supervisory banking statistics on significant institutions for the second quarter of 2026

Common Equity Tier 1 ratio at 16.00% in second quarter of 2026, compared with 15.99% in previous quarter and 16.09% one year ago
Annualised return on equity at 10.73% in second quarter of 2026, up from 10.02% in previous quarter and 10.11% one year ago, highest reported value since start of time series (second quarter of 2015)
Cost-to-income ratio at 53.06%, down from 54.63% in previous quarter and 54.20% one year ago, lowest level since start of time series
Non-performing loans ratio (excluding cash balances) at 2.17% in second quarter of 2026, compared with 2.18% in previous quarter and 2.22% one year ago
Liquidity coverage ratio at 154.91% in second quarter of 2026, up from 153.94% in previous quarter and down from 157.71% one year ago
ECB publishes system-wide supervisory banking statistics on all supervised institutions, representing combined aggregates of statistics for significant and less significant institutions

Published on 15th of September 2026

Capital adequacy

In the second quarter of 2026, the aggregate capital ratios of significant institutions (banks supervised directly by the ECB) were up from the previous quarter and down from the same period last year. The aggregate Common Equity Tier 1 (CET1) ratio stood at 16.00%, compared with 15.99% in the previous quarter and 16.09% one year ago. The aggregate Tier 1 ratio stood at 17.53%, compared with 17.51% in the previous quarter and 17.57% one year ago. Meanwhile, the aggregate total capital ratio stood at 20.13%, compared with 20.11% in the previous quarter and 20.21% one year ago. Across countries, the CET1 ratio ranged from 13.52% in Spain to 20.78% in Lithuania.

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Updated on the 15th of September 2026