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

Aggregate Common Equity Tier 1 ratio at 16.10% in third quarter of 2025, compared with 16.12% in previous quarter and 15.73% one year ago
Aggregated annualised return on equity at 9.88% in third quarter of 2025, down from 10.11% in previous quarter and 10.09% one year ago
Aggregate non-performing loans ratio (excluding cash balances) at 2.22% in third quarter of 2025, unchanged from previous quarter and down from to 2.31% one year ago
Liquidity coverage ratio at 156.73% in third quarter of 2025, down from 157.88% in previous quarter and 158.50% one year ago

Published on the 17th of December 2025

Capital adequacy

In the third 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 slightly lower than in the previous quarter. The aggregate CET1 ratio stood at 16.10% and the aggregate Tier 1 ratio stood at 17.59%. At the same time, the aggregate total capital ratio remained stable at 20.24% compared to the previous quarter. Across countries, the CET1 ratio ranged from 13.28% in Spain to 23.12% in Lithuania in the third quarter of 2025.

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Updated on the 17th of December 2025