ECB publishes end-June 2026 consolidated banking data: assets €34.99tn, ROE 5.31%

What the ECB published

The European Central Bank has published consolidated banking data as at end-June 2026, a dataset for the EU banking system compiled on a group consolidated basis, the ECB's press release says.

According to the ECB's press release, the aggregate of total assets of EU-headquartered credit institutions increased by 5.18%, from €33.27 trillion in June 2025 to €34.99 trillion in June 2026. The ECB's press release says EU credit institutions’ aggregate non-performing loans ratio increased by 0.03 percentage points year on year to stand at 1.99% in June 2026. The ECB's press release says EU credit institutions’ aggregate return on equity was 5.31% in June 2026 and their Common Equity Tier 1 ratio was 16.43%.

Scope and coverage of the dataset

The ECB's press release says the quarterly data cover 336 banking groups and 2283 stand-alone credit institutions and non-EU controlled subsidiaries and branches operating in the EU, accounting for nearly 100% of the EU banking sector’s balance sheet.

According to the ECB's press release, the dataset comprises a subset of the information that is available in the year-end dataset and includes an extensive range of indicators on profitability and efficiency, balance sheet composition, liquidity and funding, asset quality, asset encumbrance, capital adequacy and solvency. The ECB's press release also says that, in addition to data as of end-June 2026, the published figures include a few revisions to past data.

Methodology and definitions

The ECB's press release says reporters generally apply International Financial Reporting Standards and the European Banking Authority’s Implementing Technical Standards on Supervisory Reporting, and that some small and medium-sized reporters may apply national accounting standards. The ECB's press release says that, accordingly, aggregates and indicators may include some data that are based on national accounting standards, depending on the availability of the underlying items.

The ECB's press release provides definitions for key indicators. It says the non-performing loans ratio is defined as "the ratio of non-performing loans to total loans. Cash balances at central banks and other demand deposits are included." It says return on equity is defined as "the ratio of total profit (loss) for the first six months of 2026 (non-annualised) to total equity. Profitability indicators are not annualised." It says the Common Equity Tier 1 ratio is defined as "the ratio of Common Equity Tier 1 capital to the total risk exposure amount." The ECB's press release says the consolidated banking data are available in the ECB Data Portal and that more information about the methodology used to compile the data is available on the ECB's website.