Q3 2025 supervisory data confirm solid and stable asset quality, solvency, liquidity and profitability in EU/EEA banks, despite high macroeconomic and geopolitical risks

The European Banking Authority (EBA) today published its Q3 2025 Risk Dashboard (RDB), for the first time within EDAP, the European Data Access Portal. The data confirm that asset quality, solvency, liquidity and profitability in the banking sector of the European Union/European Economic Area (EU/EEA) remain stable, even amid heightened macroeconomic and geopolitical risks.

Final supervisory data for Q3 2025 confirms preliminary indications from the EBA’s recently published Risk Assessment Report. Key indicators show resilience across the sector:

The common equity tier 1 (CET1) ratio (transitional in the revised Capital Requirements Regulation - CRR3), remained robust at 16.3% and risk-weighted assets (RWA) totalled EUR 10.1 trillion, unchanged from the previous quarter (Figure 1 left).

The liquidity coverage ratio (LCR) declined slightly to 160.7% (from 161.7% in Q2) reflecting a stronger rise in the denominator than the numerator. The net stable funding ratio (NSFR) edged down to 126.8% from 127.2% in Q2. (Figure 1 right).

Total assets held steady at EUR 29.1 trillion. Debt securities increased by 2%, raising their share of total assets to 14.9%. The growth in outstanding loans remained subdued, with loans to households and non-financial corporations (NFCs) up just 0.2%. Loans collateralised by residential real estate (RREs) declined slightly, after a strong first half of 2025.

Total liabilities rose marginally to EUR 27.1 trillion., Customer deposits from households decreased slightly, while NFC deposits volumes grew by nearly 3%. The loans-to-deposits ratio for households and NFCs fell by 70bps to 105.6%.

Non-performing loan (NPL) volumes remained broadly stable at EUR 373 billion, with the NPL ratio at 1.8%. Consumer credit and SMEs continued to show the highest NPL ratios (Figure 2 left). Stage 2 loans continued decreasing slowly to 9.3%. The cost of risk stood at 0.47%, the lowest since Q3 2023.

Return on equity (RoE) was stable at 10.7% on a quarterly basis. The net interest margin (NIM) decreased slightly, to 1.58%, with the downward trend stabilising. The cost-to-income ratio continued its gradual decrease to 52.3%, as both costs and income decreased, though costs fell faster than income, reflecting banks’ cost control measures (Figure 3).

EDAP: empowering stakeholders with direct data access

The European Data Access Portal (EDAP) is now the central hub for supervisory data in the EU/EEA. For the first time, the Risk Dashboard is published within this platform, marking a major step forward in transparency and accessibility. EDAP will soon host a wide range of data-driven exercises and disclosures, including the results from the Transparency exercise (already available) and Pillar 3 data in Q1 2026. Importantly, stakeholders can directly download the underlying data, making it easier than ever to access, analyse, and use supervisory information. This development further strengthens the EBA’s commitment to making banking data more accessible and user-friendly for all stakeholders across Europe.

Note to editors

Key indicators have been visualised in a dynamic way. To facilitate the navigation, here is the full list of key indicators that you can find in the graphs:

• Slide 1: CET1 ratio, numerator and denominator (left) [DOWNLOAD DATA] - EU/EEA banks LCR, NFSR and loan to deposit ratio for households and NFCs (right) [DOWNLOAD DATA]
• Slide 2: NPLs and NPL coverage ratio by segment [DOWNLOAD DATA]
• Slide 3: Cost to income: evolution of numerator and denominator  [DOWNLOAD DATA]

The figures included in the Risk Dashboard are based on a sample of 164 banks, covering more than 80% of the EU/EEA banking sector (by total assets), at the highest level of consolidation, while country aggregates also include large subsidiaries (the list of banks can be found here).