Credit institutions headquartered in the European Union held €34.99 trillion in assets at June’s end, the European Central Bank said, while the non-performing loans ratio rose to 1.99%, a gauge of loan quality.
Published Nov. 6, the data put total assets 5.18% above their June 2025 level of €33.27 trillion. Return on equity was 5.31%. The ECB derives that measure from profit or loss in the first half of 2026 relative to total equity; it does not annualize the six-month result. The Common Equity Tier 1 ratio, which compares this capital with banks’ total risk exposure, was 16.43%.
The non-performing loans ratio was 0.03 percentage points higher than a year earlier. The ECB calculates it by comparing non-performing loans with total loans. Its total-loan measure also counts cash held at central banks and other deposits available on demand.
Coverage extends to 2,283 institutions reporting on a stand-alone basis, 336 banking groups, and EU branches or subsidiaries controlled outside the bloc. The ECB says the reporting entities’ combined balance sheets represent nearly the entire EU banking sector.
The series consolidates banking groups’ accounts and provides a narrower quarterly view than the ECB’s year-end dataset. Its indicators track earnings and operating efficiency alongside balance-sheet mix, liquidity, funding, asset quality, capital strength and solvency.
Institutions generally use International Financial Reporting Standards and the European Banking Authority’s Implementing Technical Standards on Supervisory Reporting. Some small and medium-sized reporters may instead follow national accounting rules, which can affect aggregate results where relevant figures are available. The ECB said this release includes revisions to earlier figures and that linked observations may change in later updates.
The ECB’s statistical calendar tentatively lists the next release, covering the third quarter of 2026, for Feb. 12, 2027, at 4 a.m. ET (09:00 UTC). The central bank publishes consolidated banking data four times a year, with a broader year-end dataset and smaller updates during the year.
