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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
  • funding
  • liquidity
  • data quality

Release calendar

Supervisory banking statistics are published every three months. The next updates for SIs will be released as follows:


Reference period Date

Q3 2023

12 January 2024

Statistics for LSIs will be published within three weeks of the publication of statistics for SIs.

More statistical releases are available on the ECB Statistical calendars page on the European Central Bank’s website.

Overview


 

SIs

LSIs

 

Q2 2022

Q2 2023

Q2 2022

Q2 2023

Number of supervised institutions

Full sample 1)

111

110

2,078

2,000

Liquidity sample

111

110

2,075

2,000

Balance sheet composition (EUR billions)
Total assets

26,765.38

26,338.83

4,909.98

4,855.35

Total liabilities

25,152.06

24,624.50

4,449.43

4,363.28

Equity

1,613.32

1,714.32

460.46

492.07

Key performance indicators (percentages) 
Net interest margin

1.23%

1.53%

1.38%

1.94%

Cost-to-income ratio

62.20%

57.32%

87.74%

60.11%

Cost of risk

0.52%

0.45%

n.a.4) n.a.4)
Return on equity

7.59%

10.04%

1.03%

8.29%

Capital and leverage ratios (percentages) 
CET 1 ratio (transitional definition)

14.96%

15.72%

17.10%

17.65%

Tier 1 ratio (transitional definition)

16.22%

17.11%

17.30%

17.85%

Total capital ratio (transitional definition)

18.85%

19.78%

18.44%

18.94%

Leverage ratio (transitional definition)

5.27%

5.67%

8.71%

9.33%

Leverage ratio (fully phased-in definition)

5.19%

5.63%

8.70%

9.32%

Asset quality (percentages)
Non-performing loans ratio (including cb 2))

1.85%

1.85%

1.76%

1.81%

Non-performing loans ratio (excluding cb 2))

2.35%

2.26%

2.11%

2.09%

Stage 2 loans ratio 3)

9.72%

9.19%

n.a.4)

n.a.4)
Funding (percentages)
Loan-to-deposit ratio

105.33%

105.08%

89.11%

91.41%

Net stable funding ratio

126.99%

126.34%

130.92%

130.68%

Liquidity (percentages)
Liquidity coverage ratio

164.31%

158.00%

191.66%

202.74%

1) The full sample includes all supervised 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 the simplified version of FINREP described in the ECB Reporting Taxonomy are included in the LSI Supervisory Banking Statistics.
Source: ECB.
Cut-off date SIs: 15 September 2023.
Cut-off date LSIs: 13 October 2023.

Download the report containing a comprehensive set of statistics regarding significant institutions, with a reference period of (or up to) second quarter 2023:

Supervisory Banking Statistics for significant institutions (SIs), second quarter 2023 Interactive layout for significant institutions (SIs), second quarter 2023

Explore key supervisory indicators interactively and download complete time series:

Supervisory banking statistics (ECB Data Portal) Supervisory banking statistics (Interactive dashboard) Overview of less significant institutions (ECB Data Portal)

Download information regarding selected data quality metrics of the underlying data reported by significant institutions: 

Aggregated data quality tables, second quarter 2023

Pillar 3 information

Every year the ECB 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-2022 reference date, the ECB published template EU CQ5 covering credit quality of loans and advances to non-financial corporations by industry. The disclosure of this information is defined under Article 442 of the Capital Requirements Regulation as well as in the Commission Implementing Regulation (EU) 2021/637 of 15 March 2021 (in particular in Annex XV), 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 templates 1, 2, 4 and 5 covering indicators of potential climate change transition and physical risk. The disclosure of this information is defined under Article 449a of the Capital Requirements Regulation as well as in the Commission Implementing Regulation (EU) 2022/2453 of 30 November 2022 amending the implementing technical standards laid down in Implementing Regulation (EU) 2021/637 as regards the disclosure of environmental, social and governance risks.

The publication also includes bank-specific comments following an exercise reconciling the selected disclosures mentioned above with the corresponding supervisory reporting data. The ECB’s exercise for the end-2022 reference date resulted in improved consistency between the selected Pillar 3 information and regulatory reporting. As an indication of this, 41 significant institutions under European banking supervision re-published their Pillar 3 reports in 2023 to include corrections to their disclosed data.

2022 Selected Pillar 3 information Accompanying note to 2022 Selected Pillar 3 information
Data

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 disclosure templates 1, 2 and 3 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). For the end-2021 reference date, the ECB published templates EU CCR1, EU CCR2, EU CCR5, EU CCR6 and EU CCR8 covering counterparty credit risk.


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
Q2 2023 110 110 2,000
Q1 2023 111 111 2,008
Q4 2022

110

110

2,014
Q3 2022 111 111 2,037
Q2 2022 111 111 2,078
Q1 2022 112 112 2,085
Q4 2021 113 113 2,091
Q3 2021 113 113 2,135
Q2 2021 114 114 2,160
Q1 2021 114 114 2,171
Q4 2020 112 112 2,181
Q3 2020 110 110 2,182
Q2 2020 112 112 2,211
Q1 2020 112 112 -
Q4 2019 113 105 -
Q3 2019 113 105 -
Q2 2019 111 103 -
Q1 2019 114 106 -
Q4 2018 110 102 -
Q3 2018 109 101 -
Q2 2018 109 101 -
Q1 2018 109 101 -
Q4 2017 111 102 -
Q3 2017 114 105 -
Q2 2017 114 105 -
Q1 2017 118 109 -
Q4 2016 121 110 -
Q3 2016 122 111 -
Q2 2016 124 n.a -
Q1 2016 123 n.a -
Q4 2015 117 n.a -
Q3 2015 102 n.a -
Q2 2015 102 n.a -
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.
Methodology and classifications

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)

More information

Legal background and confidentiality

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 2021/451 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.

Previous releases

Reports and documentations referring to the previous releases of Supervisory Banking Statistics can be accessed from the table below.


Reports pdf xlsx
Q1 2023 (cut-off date SIs: 21/06/2023) download download
Q4 2022 (cut-off date SIs: 20/03/2023) download download
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
Methodological note pdf pdf
Q1 2023 download SIs download LSIs
Q4 2022 download SIs download LSIs
Q3 2022 download  
Q2 2022 download  
Q1 2022 download  
Q4 2021 download  
Q3 2021 download  
Q2 2021 download  
Q1 2021 download  
Q4 2020 download  
Q3 2020 download  
Q2 2020 download  
Q1 2020 download  
Q4 2019 download  
Q3 2019 download  
Q2 2019 download  
Q1 2019 download  
Q4 2018 download  
Q3 2018 download  
Q2 2018 download  
Q1 2018 download  
Q4 2017 download  
Q3 2017 download  
Q2 2017 download  
Q1 2017 download  
Q4 2016 download  
Q3 2016 download  
Q2 2016 download  
Definitions ITS data points pdf  
Q1 2023 download  
Q4 2022 download  
Q3 2022 download  
Q2 2022 download  
Q1 2022 download  
Q4 2021 download  
Q3 2021 download  
Q2 2021 download  
Q1 2021 download  
Q4 2020 download  
Q3 2020 download  
Q2 2020 download  
Q1 2020 download  
Q4 2019 download  
Q3 2019 download  
Q2 2019 download  
Q1 2019 download  
Q4 2018 download  
Q3 2018 download  
Q2 2018 download  
Q1 2018 download  
Q4 2017 download  
Q3 2017 download  
Q2 2017 download  
Q1 2017 download  
Q4 2016 download  
Q3 2016 download  
Q2 2016 download  
Pillar 3 information pdf xlsx
2021 (Accompanying note as pdf) download  download
2020   download
2019 download
2018   download
2017   download
2016 download download
2015 download download
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