Publication of supervisory data
Supervisory banking statistics
The ECB publishes aggregated supervisory banking statistics on the following aspects of banks designated as significant institutions (SIs) and less significant institutions (LSIs):
- general statistics
- balance sheet composition and profitability
- capital adequacy and leverage
- asset quality
- data quality
Supervisory banking statistics are published every three months. The next updates for SIs will be released as follows:
12 July 2023
More statistical releases are available on the ECB Statistical calendars page on the European Central Bank’s website.
|Q4 2021||Q4 2022|
|Number of significant institutions|
|Full sample 1)||113||2,088||111||2,008|
|Balance sheet composition (EUR billions)|
|Total liabilities||23,483.49||4,316.41||24,191.76|| |
|Key performance indicators (percentages)|
|Net interest margin||1.21%||1.31%||
|Cost-to-income ratio||64.28%||70.16%||61.19%|| |
|Cost of risk||0.50%||n.a.4)||0.47%||n.a.4)|
|Return on equity||6.70%||3.49%||7.68%||3.94%|
|Capital and leverage ratios (percentages)|
|CET 1 ratio (transitional definition)||15.60%||17.32%||15.27%||17.44%|
|Tier 1 ratio (transitional definition)||16.92%||17.51%||16.60%||17.65%|
|Total capital ratio (transitional definition)||19.59%||18.80%||19.26%||18.73%|
|Leverage ratio (transitional definition)||6.04%||9.17%||5.58%||9.00%|
|Leverage ratio (fully phased-in definition)||5.91%||9.13%||5.49%||8.98%|
|Asset quality (percentages)|
|Non-performing loans ratio (including cb 2))||2.06%||1.83%||1.84%||1.75%|
|Non-performing loans ratio (excluding cb 2))||2.61%||2.23%||2.28%||2.05%|
|Stage 2 loans ratio 3)||9.14%||n.a.4)||9.63%||n.a.4)|
|Net stable funding ratio||129.40%||133.30%||125.76%||129.96%|
|Liquidity coverage ratio||173.43%||201.13%||161.46%||191.99%|
|1) The full sample includes all significant institutions at the highest level of consolidation within the Single Supervisory Mechanism (SSM). |
2) “cb” refers to “cash balances at central banks and other demand deposits”.
3) Stage 2 as a share of total loans and advances. Loans and advances at amortised cost (AC) and fair value through other comprehensive income (FVOCI). Cash balances at central banks and other demand deposits are excluded.
4) “n.a.” refers to “not available”. Only indicators that can be calculated based on ITS datapoints reported in FINREP Data Points are included in the LSI Supervisory Banking Statistics.
|Source: ECB. |
Cut-off date SIs: 20 March 2023.
Cut-off date LSIs: 23 April 2023.
Download the report containing a comprehensive set of statistics regarding significant institutions, with a reference period of (or up to) fourth quarter 2022:Supervisory Banking Statistics for significant institutions (SIs), fourth quarter 2022 Interactive layout for significant institutions (SIs), fourth quarter 2022
Explore key supervisory indicators interactively and download complete time series:Supervisory banking statistics (Statistical Data Warehouse) Supervisory banking statistics (Interactive dashboard)
Download information regarding selected data quality metrics of the underlying data reported by significant institutions:Aggregated data quality tables, fourth quarter 2022
Pillar 3 information
Every year the ECB also publishes selected Pillar 3 information for individual banks on the following topics.
- Solvency, leverage, liquidity coverage and net stable funding ratios, as published by significant institutions pursuant to Part Eight of the Capital Requirements Regulation (Regulation (EU) No 575/2013).
- Selected templates from the Pillar 3 disclosure requirements. For the end-2021 reference date, the ECB published templates EU CCR1, EU CCR2, EU CCR5, EU CCR6 and EU CCR8 of the disclosure templates covering counterparty credit risk. The disclosure of information on an institution’s exposure to counterparty credit risk is defined under Article 439 of the Capital Requirements Regulation as well as in the Commission Implementing Regulation (EU) 2021/637 of 15 March 2021 (in particular in Annex XXV and Annex XXVI), which lays down implementing technical standards with regard to public disclosure by institutions of the information referred to in Titles II and III of Part Eight of the Capital Requirements Regulation.
The publication also includes bank-specific comments following an exercise reconciling the selected disclosures mentioned above and regulatory reporting data. The ECB’s exercise for the end-2021 reference date resulted in improvements in consistency between the selected Pillar 3 information and regulatory reporting. As an indication of this, 55 significant institutions under European banking supervision re-published their Pillar 3 reports in 2022 to include corrections to the disclosed data. The remaining mismatches between the two frameworks have been flagged accordingly.2021 Selected Pillar 3 information Accompanying note to 2021 Selected Pillar 3 information
The dataset includes information on banks directly supervised by ECB Banking Supervision that are designated as significant institutions (SIs) as well as on less significant institutions (LSIs) supervised by the national competent authorities (NCAs), under the oversight of European Central Bank (ECB).
The sample of institutions considered for each reporting period includes banks that are reporting COREP (capital adequacy information) and FINREP (financial information) at that point in time. For each bank in the sample, reporting is always considered at the highest level of consolidation within the Single Supervisory Mechanism (SSM).
As of the end of 2015, COREP and FINREP data are available for all institutions at the highest level of consolidation within the SSM. This includes those that prepare their consolidated accounts under national accounting standards (nGAAP) as well as those that report only at the individual level. As a result, the sample of banks used for each reference period currently covers all institutions within the SSM – it is also relatively stable. Nevertheless, changes in the sample can occur over time after amendments to the list of SIs and LSIs, which are made after ECB assessments, as well as after mergers and acquisitions.
Up to the end of the reference period Q4 2019, the tables showing information on the liquidity coverage ratio were derived by aggregating data from stand-alone entities and from banking groups where the ultimate EU parent is within the SSM. As of the reference period Q1 2020, the SIs liquidity sample matches the SIs full sample.
The tables present different aggregates that offer insights into developments over time, country breakdowns and different classifications.
All presented data match the submissions provided to the ECB at the cut-off date specified in the table above. As banks may resubmit data for previous quarters, figures shown may differ from previous publications. Moreover, banks may submit unaudited end-of-financial-year figures (i.e. figures that have not received an external auditor’s opinion). However, in accordance with Article 3, paragraph 4 of Commission Implementing Regulation (EU) No 680/2014, banks are required to resubmit audited figures wherever these deviate from the submitted unaudited figures.
The Pillar 3 information comprises key solvency, leverage, liquidity coverage and (as of year-end 2021) net stable funding ratios for all significant institutions and one or more selected disclosure templates from Part Eight of the Capital Requirements Regulation (Regulation (EU) No 575/2013). For the end-2017 reference date the ECB published the overview of risk-weighted assets disclosure template (EU OV1), while for the end-2018 reference date the ECB published the liquidity coverage ratio disclosure template (EU LIQ1). For the end-2019 reference date, the ECB published Template A on encumbered and unencumbered assets and Template B on collateral received pursuant to Commission Delegated Regulation (EU) 2017/2295. For the end-2020 reference date, the ECB published Templates 1, 2 and 3 of the disclosure templates covering information on exposures subject to legislative and non-legislative moratoria and on newly originated exposures subject to public guarantee schemes pursuant to the European Banking Authority guidelines on the reporting and disclosure of exposures subject to measures applied in response to the coronavirus (COVID-19) crisis (EBA/GL/2020/07). The ratios and the data in the table are neither endorsed nor approved by the ECB and are subject to review when they differ from the ratios submitted by significant institutions as part of their regulatory reporting.
|Reference period||Number of SIs in Supervisory Banking Statistics||Number of SIs included in the liquidity sample 1)||Number of LSIs in Supervisory Banking Statistics|
|1) According to Commission Implementing Regulation (EU) No 2016/428 and Commission Implementing Regulation (EU) No 2016/322 banks are required to report the leverage ratio and the liquidity coverage ratio components, starting from the third quarter of 2016.|
In addition to presenting the statistics by reference period and by country, the significant institutions have been classified according to the following:
- business model
- activities (geographical diversification)
- scale of operations (size)
- risk (overall risk and vulnerabilities based on the Supervisory Review and Evaluation Process (SREP) scores)
The statistics are based on information collected pursuant to the Implementing Technical Standards (ITS) on Supervisory Reporting laid down by European Commission Implementing Regulation (EU) No 680/2014 and the ECB Regulation on reporting of supervisory financial information (ECB/2015/13).
Confidentiality is ensured in accordance with professional secrecy obligations established under Article 27(1) of Regulation (EU) No 1024/2013, Article 37 of the Statute of the ESCB and of the ECB, and Article 53(1) of Directive 2013/36/EU.
Reports and documentations referring to the previous releases of Supervisory Banking Statistics can be accessed from the table below.
|Q3 2022 (cut-off date: 16/12/2022)||download||download|
|Q2 2022 (cut-off date: 15/09/2022)||download||download|
|Q1 2022 (cut-off date: 22/06/2022)||download||download|
|Q4 2021 (cut-off date: 18/03/2022)||download||download|
|Q3 2021 (cut-off date: 16/12/2021)||download||download|
|Q2 2021 (cut-off date: 15/09/2021 - updated)||download||download|
|Q1 2021 (cut-off date: 16/06/2021 - updated)||download||download|
|Q4 2020 (cut-off date: 18/03/2021)||download||download|
|Q3 2020 (cut-off date: 16/12/2020)||download||download|
|Q2 2020 (cut-off date: 15/09/2020)||download||download|
|Q1 2020 (cut-off date: 03/07/2020)||download||download|
|Q4 2019 (cut-off date: 17/03/2020)||download||download|
|Q3 2019 (cut-off date: 16/12/2019)||download||download|
|Q2 2019 (cut-off date: 17/09/2019)||download||download|
|Q1 2019 (cut-off date: 19/06/2019)||download||download|
|Q4 2018 (cut-off date: 18/03/2019)||download||download|
|Q3 2018 (cut-off date: 31/12/2018)||download||download|
|Q2 2018 (cut-off date: 30/09/2018)||download||download|
|Q1 2018 (cut-off date: 30/06/2018)||download||download|
|Q4 2017 (cut-off date: 07/04/2018)||download||download|
|Q3 2017 (cut-off date: 31/12/2017)||download||download|
|Q2 2017 (cut-off date: 30/09/2017)||download||download|
|Q1 2017 (cut-off date: 30/06/2017)||download||download|
|Q4 2016 (cut-off date: 31/03/2017)||download||download|
|Q3 2016 (cut-off date: 31/12/2016)||download||download|
|Q2 2016 (cut-off date: 30/09/2016)||download||download|
|Definitions ITS data points|
|Pillar 3 information||xlsx|