- Total assets of EU-headquartered credit institutions increased by 4.99%, from €28.99 trillion in March 2020 to €30.44 trillion in March 2021
- EU non-performing loans ratio[1] dropped by 0.16 percentage points year on year to 2.5% over the same period
- EU average return on equity[2] was 1.87% and Common Equity Tier 1 ratio[3] was 15.68% in March 2021
Chart 1
Total assets of credit institutions headquartered in the EU
(EUR billions)
Data for total assets of credit institutions headquartered in the EU
Chart 2
Non-performing loans ratio of credit institutions headquartered in the EU
(EUR billions; percentages)
Notes: The non-performing loans ratio is defined as the ratio of non-performing loans to total loans.
Data for the non-performing loans ratio of credit institutions headquartered in the EU
Chart 3
Return on equity of credit institutions headquartered in the EU in March 2021
(percentages)
Notes: Return on equity is defined as the ratio of total profit (loss) for the year to total equity. The data show the return on equity calculated on the basis of figures for the first quarter of 2021.
Data for the return on equity of credit institutions headquartered in the EU
Chart 4
Common Equity Tier 1 ratio of credit institutions headquartered in the EU in March 2021
(percentages)
Notes: The Common Equity Tier 1 ratio is defined as the ratio of Common Equity Tier 1 capital to the total risk exposure amount.
Data for the Common Equity Tier 1 ratio of credit institutions headquartered in the EU
The European Central Bank (ECB) has published the consolidated banking data with reference to end-March 2021, a dataset of the EU banking system compiled on a group consolidated basis.
The quarterly data cover information required for the analysis of the EU banking sector, comprising a subset of the information that is available in the year-end dataset. The end-March 2021 data refer to 331 banking groups and 2,558 stand-alone credit institutions operating in the EU (including foreign subsidiaries and branches), covering nearly 100% of the EU banking sector balance sheet. This dataset includes an extensive range of indicators on profitability and efficiency, balance sheets, liquidity and funding, asset quality, asset encumbrance, capital adequacy and solvency. Aggregates and indicators are published for the full sample of the banking industry.
Large reporters apply International Financial Reporting Standards and the Implementing Technical Standards on supervisory reporting of the European Banking Authority, while some smaller reporters may apply national accounting standards. Accordingly, aggregates and indicators may also cover data based on national accounting standards, depending on the availability of the underlying items.
A few revisions to past data are disclosed together with the end-March 2021 data.