The European Union banks covered by its consolidated banking data accounted for nearly 100% of the sector’s balance sheet at end-June 2026, the European Central Bank said on Nov. 6.
The release includes revisions to some earlier figures alongside the latest quarterly data. The central bank published it under the title “ECB publishes consolidated banking data for end-June 2026”.
The dataset covers 336 banking groups and 2,283 stand-alone credit institutions and subsidiaries and branches controlled from outside the EU. Those institutions operate within the EU, the central bank said.
The central bank compiles the figures at banking-group level. Its coverage extends across the EU’s 27 member countries, and the same geographic scope applies to all reference periods.
The quarterly figures cover a narrower range of information than the year-end dataset. They include measures of banks’ earnings, costs, assets, funding and ability to absorb losses.
The release identifies measures of problem loans, returns on shareholder funds and the highest-quality bank capital. The supplied text gives definitions for those measures but no numerical readings.
It therefore provides no figures showing whether those measures rose or fell, or how they compared with earlier periods. The text also gives no amounts for the revisions to previous data.
The central bank defines the non-performing loan ratio as problem loans divided by total loans. Its definition includes cash balances held at central banks and other deposits available on demand.
Return on equity measures total profit or loss against shareholders’ equity. For this release, it uses earnings for the first six months of 2026 without converting them into a full-year rate.
The Common Equity Tier 1 ratio measures a bank’s highest-quality capital against its total exposure to risk. The release defines the calculation but supplies no numerical result in the text.
Accounting practices also vary within the reporting population. Institutions generally use International Financial Reporting Standards and the European Banking Authority’s technical requirements for reporting to supervisors.
Some small and medium-sized institutions may instead use national accounting standards. As a result, the central bank’s combined figures can include data prepared under those rules, depending on which underlying items are available.
The dataset also covers liquidity, or banks’ ability to meet payment needs, and assets pledged or otherwise committed to creditors. The central bank publishes combined totals and indicators for the institutions covered.
The supplied text gives no numerical results for those categories and contains no assessment of changes in banks’ financial health. It sets out no policy decision or recommendation accompanying the data.
