The European Central Bank (ECB) has released consolidated banking data for the end of June 2026. The dataset covers 336 banking groups and 2,283 stand‐alone credit institutions and non‐EU‐controlled subsidiaries and branches operating in the EU, accounting for nearly 100% of the euro‐area banking sector’s balance sheet.
Total assets of EU‐headquartered credit institutions increased by 5.18% year‐on‐year, rising from €33.27 trillion in June 2025 to €34.99 trillion in June 2026.
During the same period, the aggregate non‐performing loans (NPL) ratio rose by 0.03 percentage points year‐on‐year to 1.99% in June 2026. The NPL ratio is defined as the share of non‐performing loans to total loans.
Profitability, measured by return on equity (ROE), was 5.31% in June 2026. ROE is calculated as total profit for the first six months of 2026 (non‐annualised) divided by total equity.
The sector’s capital adequacy, expressed by the Common Equity Tier 1 (CET1) ratio, stood at 16.43% at the end of June 2026. The CET1 ratio is the proportion of CET1 capital to total risk‐weighted exposures.
The ECB’s dataset also includes a wide range of indicators on balance‐sheet composition, liquidity, asset quality, efficiency and funding, and incorporates a few revisions to past data.
All figures are available through the ECB Data Portal, with detailed methodology published on the ECB website, providing a comprehensive basis for analysis of the euro‐area banking system.