ECB publishes supervisory banking statistics on significant institutions for the fourth quarter of 2024

  • Aggregate Common Equity Tier 1 ratio at 15.86% in fourth quarter of 2024, up from 15.74% in previous quarter but stable compared with 15.87% one year ago
  • Aggregated annualised return on equity at 9.54% in fourth quarter of 2024, down from 10.09% in previous quarter but up from 9.32% one year ago
  • Aggregate non-performing loans ratio (excluding cash balances) stable at 2.28% compared with 2.31% in previous quarter and 2.30% in fourth quarter of 2023
  • Share of loans showing significant increase in credit risk (stage 2 loans) at 9.93%, up from 9.74% in previous quarter and from 9.73% one year ago
  • Aggregated loan-to-deposit ratio at 100.43%, the lowest value reported since 2015

Published on the 20th of March 2025

Capital adequacy

In the fourth quarter of 2024, the aggregate capital ratios of significant institutions (banks supervised directly by the ECB) were up from the previous quarter, while remaining stable compared with the same period last year. The aggregate Common Equity Tier 1 (CET1) ratio stood at 15.86%, the aggregate Tier 1 ratio stood at 17.33% and the aggregate total capital ratio stood at 19.99%. This quarterly development was driven by the increase in the capital amounts (numerators), which outweighed the growth of the total risk exposure (denominator). Across countries, the CET1 ratio ranged from 12.88% in Spain to 22.05% in Latvia in the fourth quarter of 2024.

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Updated on the 20th of March 2025