Q3 2025 supervisory data shows stable asset quality and resilience in EU/EEA banks

The European Banking Authority (EBA) published its Q3 2025 Risk Dashboard (RDB) within the European Data Access Portal (EDAP). The data confirm that asset quality, solvency, liquidity, and profitability in EU/EEA banks remain stable despite increased macroeconomic and geopolitical risks.

Final supervisory data for Q3 2025 support earlier preliminary indications. Key sector indicators show resilience:

• The common equity tier 1 (CET1) ratio stood at 16.3%, with risk-weighted assets (RWA) totaling EUR 10.1 trillion, unchanged from the previous quarter.
• The liquidity coverage ratio (LCR) slightly declined to 160.7% from 161.7%. The net stable funding ratio (NSFR) decreased marginally to 126.8% from 127.2%.
• Total assets remained steady at EUR 29.1 trillion. Debt securities increased by 2%, now representing 14.9% of total assets. Loan growth was subdued, with a 0.2% increase in loans to households and non-financial corporations (NFCs). Loans collateralized by residential real estate (RREs) declined slightly after a strong first half of 2025.
• Total liabilities increased slightly to EUR 27.1 trillion. Customer deposits from households decreased marginally, while NFC deposits grew nearly 3%. The loans-to-deposits ratio for households and NFCs fell by 70 basis points to 105.6%.
• Non-performing loans (NPLs) remained stable at EUR 373 billion, with an NPL ratio of 1.8%. Consumer credit and SME segments continue to show the highest NPL ratios. Stage 2 loans decreased slowly to 9.3%. The cost of risk was 0.47%, the lowest since Q3 2023.
• Return on equity (RoE) was steady at 10.7%. The net interest margin (NIM) slightly decreased to 1.58%, with stabilization in the downward trend. The cost-to-income ratio decreased gradually to 52.3%, reflecting banks’ cost control measures as costs fell faster than income.

The European Data Access Portal (EDAP) now serves as the central platform for supervisory data, including the Risk Dashboard. This enhances transparency and data accessibility, allowing stakeholders to download and analyze supervisory information directly. Future releases will include the results of the Transparency exercise and Pillar 3 disclosures in Q1 2026.

Key indicators are visualized in the following slides: CET1 ratio, LCR, NSFR, loan-to-deposit ratio, NPLs, NPL coverage, and cost-to-income evolution. Data can be downloaded via links provided in the original publication.

For more details, visit the official EBA publication: Q3 2025 supervisory data confirms solid and stable asset quality, solvency, liquidity and profitability.