- Aggregate Common Equity Tier 1 ratio at 16.05% in first quarter of 2025, up from 15.95% in previous quarter and from 15.74% one year ago
- Aggregated annualised return on equity at 9.85% in first quarter of 2025, up from 9.54% in previous quarter and from 9.67% one year ago
- Aggregate non-performing loans ratio (excluding cash balances) at 2.24%, compared to 2.28% in previous quarter and 2.31% one year ago
- Share of loans showing significant increase in credit risk (stage 2 loans) at 9.76%, down from 9.93% in previous quarter but up from 9.50% one year ago
- Supervisory banking statistics also available as聽聽for first time, providing enhanced user customisation
()
In the first quarter of 2025, the aggregate聽聽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聽聽stood at 16.05%, the aggregate聽聽stood at 17.53% and the aggregate聽聽stood at 20.28%. This quarterly development was driven by the increase in the聽聽(numerators), while the聽聽(denominator) remained stable.聽聽ranged from 13.04% in Spain to 24.98% in Lithuania in the first quarter of 2025.
Chart 1
Capital ratios and CET1 amount
(EUR billions)
Source: ECB.
Chart 2
CET1 ratios by country
Source: ECB.
Notes: 鈥淪SM鈥� stands for 鈥淪ingle Supervisory Mechanism鈥�. Some countries participating in European banking supervision are not included in this chart, either for confidentiality reasons or because there are no significant institutions at the highest level of consolidation in that country.
Asset quality
罢丑别听聽excluding cash balances at central banks and other demand deposits stood at 2.24% in the first quarter of 2025. 罢丑别听聽(numerator) increased by 鈧�1.62 billion (0.46%), while the聽聽(denominator) rose by 鈧�394.18 billion (2.52%). As a result, the ratio decreased by 4 basis points compared to the previous quarter.
At sector level, the NPL ratio for聽聽was 2.21%, stable from 2.23% in the previous quarter and from 2.25% a year ago. Similarly for聽聽(NFCs), the ratio stood at 3.48%, compared with 3.53% in the previous quarter and 3.55% one year ago. Considering the NFC portfolio by segment, the NPL ratio for聽聽stood at 4.50%, down from 4.62% in the previous quarter and from 4.60% one year ago. The NPL ratio stood at 4.78% for聽, compared with 4.75% in the previous quarter and 4.76% a year ago.
础驳驳谤别驳补迟别听聽decreased to 9.76% (from 9.93% in the previous quarter). The ratio for聽聽decreased to 13.81% while the ratio for聽聽remained stable at 9.68% (compared with 13.93% and 9.64% in the previous quarter, respectively).
Chart 3
Non-performing loans
(EUR billions)
Source: ECB. Note: 鈥渃b鈥� stands for cash balances and other demand deposits.
Chart 4
Non-performing loans by counterparty sector
|
a) Breakdown of NFC portfolio by segment |
b) Breakdown of household portfolio by segment |
|---|---|
 |
 |
Source: ECB.
Chart 5
Stage 2 loans and advances as a share of total loans and advances subject to impairment review
Source: ECB.
Note: Stage 2 includes assets that have shown a significant increase in credit risk since initial recognition.
Profitability
The aggregated annualised聽聽stood at 9.85% in the first quarter of 2025 compared to 9.54% in the previous quarter and 9.67% one year ago.
While the aggregated聽聽remained stable during 2024, in the first quarter of 2025 it decreased to 1.53%.聽聽ranged from 0.90% in France to 3.37% in Slovenia in the first quarter of 2025.
Chart 6
Return on equity and net interest margin
Source: ECB.
Chart 7
Net interest margins (NIM) by country
Source: ECB.
Notes: 鈥淪SM鈥� stands for 鈥淪ingle Supervisory Mechanism鈥�. Some countries participating in European banking supervision are not included in this chart, either for confidentiality reasons or because there are no significant institutions at the highest level of consolidation in that country.
Factors affecting changes
Supervisory banking statistics are calculated by aggregating the data reported by banks which report COREP (capital adequacy information) and FINREP (financial information) data at the relevant point in time. Consequently, changes from one quarter to the next can be influenced by the following factors:
- changes in the sample of reporting institutions;
- mergers and acquisitions;
- reclassifications (e.g. portfolio shifts as a result of certain assets being reclassified from one accounting portfolio to another).
Several capital and leverage indicators were affected by reporting amendments introduced in the updated Capital Requirements Regulation (CRR III), which came into effect on 1 January 2025. More details on the updated聽.
()
