ECB publishes consolidated banking data for end-December 2025

• The aggregate of total assets of EU-headquartered credit institutions increased by 1.6%, from €32.97 trillion in December 2024 to €33.50 trillion in December 2025
• During the same period, EU credit institutions’ aggregate non-performing loans ratio^[1] remained stable at 1.97% in December 2025
• EU credit institutions’ aggregate return on equity^[2] was 9.3% in December 2025 and their Common Equity Tier 1 ratio^[3] was 16.42%

Data on the aggregate of total assets of credit institutions headquartered in the EU