ECB Publishes Consolidated Banking Data for End-September 2025

Why It Matters

The data provide regulators and investors with a timely benchmark of asset growth, credit quality and capital resilience, informing risk assessments and policy decisions across the European banking system.

Key Takeaways

• Total assets grew 0.95% to €33.44 trillion
• NPL ratio rose to 1.97%, slight quality decline
• ROE stood at 7.41%, showing stable profitability
• CET1 ratio remained strong at 16.43%, reflecting robust buffers
• Data covers 336 groups and 2,289 institutions, near‑full sector coverage

Pulse Analysis

The European Central Bank’s September‑2025 consolidated banking dataset marks the most comprehensive quarterly snapshot of the EU‑27 banking system to date. By aggregating balance‑sheet information from 336 banking groups and 2,289 stand‑alone institutions, the ECB captures virtually the entire sector’s assets, liabilities and capital metrics. This level of granularity, combined with the ECB’s adherence to International Financial Reporting Standards and the European Banking Authority’s supervisory templates, gives regulators, investors and analysts a reliable benchmark for cross‑border comparisons. The release also includes minor revisions to historic periods, underscoring the ECB’s commitment to data quality and transparency.

The headline figures reveal a modest 0.95 % rise in total assets, pushing the aggregate to €33.44 trillion, while the non‑performing loan ratio nudged up to 1.97 %. Although the increase in NPLs is small, it signals a slight erosion of asset quality amid lingering macro‑economic headwinds. Profitability remains resilient, with return on equity at 7.41 %, and capital adequacy stays robust, reflected in a CET1 ratio of 16.43 %. Together, these metrics suggest that banks are maintaining earnings and buffer capacity despite a tightening credit environment.

Market participants can leverage the dataset to calibrate stress‑testing models, assess funding pressures and gauge the effectiveness of recent monetary‑policy actions. For policymakers, the data provide early warning signals; a rising NPL trend, even marginal, may prompt closer supervision or targeted liquidity measures. The near‑full coverage also enables sector‑wide scenario analysis, informing decisions on capital requirements and macro‑prudential tools. As the ECB continues to refine its reporting framework, stakeholders can expect increasingly timely and comparable data, which will be essential for navigating the evolving European banking landscape.

ECB publishes consolidated banking data for end-September 2025

13 February 2026

• The aggregate of total assets of EU‑headquartered credit institutions increased by 0.95%, from €33.12 trillion in September 2024 to €33.44 trillion in September 2025.

• During the same period, EU credit institutions’ aggregate non‑performing loans (NPL) ratio rose by 0.01 percentage points year‑on‑year to 1.97 % in September 2025.

• EU credit institutions’ aggregate return on equity was 7.41 % in September 2025 and their Common Equity Tier 1 (CET1) ratio was 16.43 %.

Chart 1 – Total assets of credit institutions headquartered in the EU (EUR billions)

Source: ECB

Note: Data for all reference periods relate to the EU27.

Chart 2 – Non‑performing loans ratio of credit institutions headquartered in the EU (percentages)

Source: ECB

Note: Data for all reference periods relate to the EU27.

Chart 3 – Return on equity of credit institutions headquartered in the EU in September 2025 (percentages)

Source: ECB

Note: Data for all reference periods relate to the EU27.

Chart 4 – Common Equity Tier 1 ratio of credit institutions headquartered in the EU in September 2025 (percentages)

Source: ECB

Note: Data for all reference periods relate to the EU27.

The European Central Bank (ECB) has published consolidated banking data as at end‑September 2025, a dataset for the EU banking system compiled on a group‑consolidated basis.

The quarterly data provide information required to analyse the EU banking sector and comprise a subset of the information that is available in the year‑end dataset. The data cover 336 banking groups and 2 289 stand‑alone credit institutions (including non‑EU‑controlled subsidiaries and branches operating in the EU), accounting for nearly 100 % of the EU banking sector’s balance sheet. They include an extensive range of indicators on profitability and efficiency, balance‑sheet composition, liquidity and funding, asset quality, asset encumbrance, capital adequacy and solvency. Aggregates and indicators are published for the reporting population.

Reporters generally apply International Financial Reporting Standards and the European Banking Authority’s Implementing Technical Standards on Supervisory Reporting. However, some small and medium‑sized reporters may apply national accounting standards. Accordingly, aggregates and indicators may include some data that are based on national accounting standards, depending on the availability of the underlying items.

In addition to data as at end‑September 2025, the published figures also include a few revisions to past data.

For media queries, please contact Benoît Deeg, tel.: [phone].

Notes

• The data for Denmark should be considered tentative because certain quality checks were still in progress at the time of publication.

• These consolidated banking data are available in the ECB Data Portal.

• More information about the methodology used to compile the data is available on the ECB’s website.

• Hyperlinks in the main body of the press release lead to data that may change with subsequent releases as a result of revisions.