ECB publishes consolidated banking data for end-September 2025
The European Central Bank (ECB) has just published its consolidated banking data for the end of September 2025, covering nearly 100% of the EU banking sector’s balance sheet. Here are the key takeaways from the report: Total Assets: Grew by 0.95% year-on-year, reaching €33.44 trillion. Asset Quality: The non-performing loans (NPL) ratio saw a marginal […]
EBA publishes Guidelines on proportionate retail diversification methods under the SA for credit risk
The European Banking Authority (EBA) today published its final Guidelines on proportionate retail diversification methods under the Capital Requirements Regulation (CRR). What are these guidelines about? Under the standardised approach for credit risk, banks can apply a preferential risk weight to retail exposures—but only if those exposures are considered sufficiently “diversified.” These newly drafted guidelines […]