Aggregate assets of EU-headquartered credit institutions grew 1.6% year-over-year, while key profitability and capital ratios remained stable.
EU-headquartered credit institutions reported aggregate total assets of €33.50 trillion at the end of December 2025, up 1.6% from €32.97 trillion a year earlier. The increase reflects modest balance sheet expansion across the sector during the period.
The non-performing loans ratio held steady at 1.97%, unchanged from December 2024. Return on equity reached 9.3%, while the Common Equity Tier 1 ratio stood at 16.42%, indicating solid capital positions and profitability.
The data covers 332 banking groups and 2,292 stand-alone institutions, representing nearly the entire EU banking sector. The figures provide a consolidated view of financial health and risk exposure for policymakers and market participants.