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 increase of just 0.01 percentage points, standing at a healthy 1.97%.
• Profitability: Return on Equity (ROE) stood at 7.41% for the first nine months of 2025.
• Capital Adequacy: The Common Equity Tier 1 (CET1) ratio remains strong at 16.43%, highlighting the sector’s solid capital buffers.

These figures underscore the continued stability and strong capitalization of EU credit institutions.

Read the full breakdown and explore the data on the ECB’s website: