ECB publishes supervisory banking statistics on significant institutions for the third quarter of 2024
Aggregate Common Equity Tier 1 ratio at 15.72% in third quarter of 2024, down from 15.81% in previous quarter but up from 15.61% one year ago
Aggregated annualised return on equity at 10.22% in third quarter of 2024, up from 10.11% in previous quarter, representing second consecutive highest reported value since start of time series (second quarter of 2015)
Aggregate non-performing loans ratio (excluding cash balances) stable at 2.31% compared with 2.30% in previous quarter and 2.27% in third quarter of 2023
Share of loans showing significant increase in credit risk (stage 2 loans) at 9.67%, up from 9.45% in previous quarter and from 9.29% one year ago
Mise en ligne le 20 Décembre 2024
Capital adequacy
The aggregate capital ratios of significant institutions (banks supervised directly by the ECB) were down quarter on quarter in the third quarter of 2024 but up from one year ago. The aggregate Common Equity Tier 1 (CET1) ratio stood at 15.72%, the aggregate Tier 1 ratio stood at 17.15% and the aggregate total capital ratio stood at 19.81%. The quarterly development was driven by the €161.29 billion increase in total risk exposure (denominator). This outweighed the growth of the capital amounts (numerators), up €20.61 billion on average from the previous quarter. The CET1 ratio ranged from 12.82% in Spain to 22.76% in Latvia in the third quarter of 2024.
