The European Central Bank has published consolidated banking data for the end of June 2026, showing total assets of EU-headquartered credit institutions rose 5.18% year on year to €34.99 trillion, while the aggregate non-performing loans ratio increased slightly by 0.03 percentage points to 1.99%.
The quarterly dataset, released on 6 November 2026, covers 336 banking groups and 2,283 stand-alone credit institutions as well as non-EU controlled subsidiaries and branches operating in the European Union, accounting for nearly all of the EU banking sector's balance sheet.
EU credit institutions' aggregate return on equity stood at 5.31% in June 2026, and their Common Equity Tier 1 ratio was 16.43%. The data also include a few revisions to past figures.
The ECB compiles the data on a group consolidated basis. Reporters generally apply International Financial Reporting Standards and the European Banking Authority's Implementing Technical Standards on Supervisory Reporting, though some small and medium-sized reporters may use national accounting standards, meaning aggregates and indicators may include some data based on those standards, depending on the availability of the underlying items.
The consolidated banking data are available in the ECB Data Portal, with further methodological information on the ECB's website.
Analysis
Why This Matters
- The data offers a snapshot of the health of the EU banking sector, which underpins lending and economic activity across the region.
- The slight uptick in the non-performing loans ratio, while small, will be watched by regulators and investors for signs of deteriorating asset quality.
- Profitability and capital levels remain stable, suggesting the sector is broadly resilient.
Background
The ECB publishes consolidated banking data quarterly, providing a comprehensive view of the financial condition of credit institutions headquartered in the EU. The dataset includes indicators on profitability, asset quality, capital adequacy, liquidity and funding. This release covers data as of end-June 2026, with some revisions to earlier periods.
What to Watch
- Future quarterly releases to see whether the non-performing loans ratio continues to edge up or stabilises.
- Any impact of changing interest rates or economic conditions on bank profitability and loan performance in subsequent reports.
Checked
12 claims in this story checked against 1 source: 12 supported.
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- SupportedTotal assets of EU-headquartered credit institutions rose 5.18% year on year to €34.99 trillion.ECB - European Central Bank: “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”
- SupportedThe aggregate non-performing loans ratio rose by 0.03 percentage points year on year to 1.99%.ECB - European Central Bank: “EU credit institutions’ aggregate non-performing loans ratio [ 1 ] increased by 0.03 percentage points year on year to stand at 1.99% in June 2026”
- SupportedEU credit institutions’ aggregate return on equity was 5.31% in June 2026.ECB - European Central Bank: “EU credit institutions’ aggregate return on equity [ 2 ] was 5.31% in June 2026”
- SupportedEU credit institutions’ Common Equity Tier 1 ratio was 16.43% in June 2026.ECB - European Central Bank: “their Common Equity Tier 1 ratio [ 3 ] was 16.43%”
- SupportedThe ECB published consolidated banking data for end-June 2026.ECB - European Central Bank: “The European Central Bank (ECB) has published consolidated banking data as at end-June 2026”
- SupportedThe quarterly dataset was released on 6 November 2026.ECB - European Central Bank: “PRESS RELEASE ECB publishes consolidated banking data for end-June 2026 6 November 2026”
- SupportedThe data cover 336 banking groups and 2,283 stand-alone credit institutions.ECB - European Central Bank: “The data cover 336 banking groups and 2283 stand-alone credit institutions”
- SupportedThe data also cover non-EU controlled subsidiaries and branches operating in the EU.ECB - European Central Bank: “and non-EU controlled subsidiaries and branches operating in the EU”
- SupportedThe data account for nearly all of the EU banking sector’s balance sheet.ECB - European Central Bank: “accounting for nearly 100% of the EU banking sector’s balance sheet”
- SupportedThe published figures include a few revisions to past data.ECB - European Central Bank: “the published figures also include a few revisions to past data”
- SupportedThe ECB compiles the data on a group consolidated basis.ECB - European Central Bank: “a dataset for the EU banking system compiled on a group consolidated basis”
- SupportedReporters generally apply IFRS and the EBA’s Implementing Technical Standards on Supervisory Reporting, but some small and medium-sized reporters may use national accounting standards; aggregates may include data based on those standards depending on the availability of underlying items.ECB - European Central Bank: “Reporters generally apply International Financial Reporting Standards and the European Banking Authority’s Implementing Technical Standards on Supervisory Reporting. However, some small and medium-sized reporters may apply national accounting standards. Accordingly, aggregates and indicators may include some data”
