ECB banking dataset shows EU lenders' assets rise by 5.18% at end-June 2026
The European Central Bank has released its consolidated banking data for end-June 2026, offering a mid-year snapshot of the EU banking system on a group consolidated basis. The dataset covers nearly the entire sector and shows both balance sheet growth and a slight increase in the share of non-performing loans over the year.
Highlights
- EU-headquartered credit institutions' aggregate total assets grew 5.18% year on year to 34.99 trillion euros as of June 2026.
- The aggregate non-performing loans ratio increased slightly by 0.03 percentage points to 1.99% between June 2025 and June 2026.
- Aggregate return on equity was 5.31% and the Common Equity Tier 1 ratio reached 16.43% at end-June 2026 for EU banks.
End-June dataset covers nearly all EU banking assets
As reported by the European Central Bank, the quarterly consolidated dataset spans 336 banking groups and 2,283 stand-alone credit institutions and non-EU controlled subsidiaries and branches operating in the bloc. It represents nearly 100% of the EU banking sector's balance sheet and provides a subset of the information available in the year-end release.The publication includes indicators on profitability and efficiency, balance sheet composition, liquidity and funding, asset quality, asset encumbrance, capital adequacy and solvency. Aggregates and indicators are published for the full reporting population.
Asset growth and loan quality trends in focus
The aggregate total assets of EU-headquartered credit institutions increased by 5.18% year on year, rising to 34.99 trillion euros in June 2026 from 33.27 trillion euros in June 2025. Over the same period, the aggregate non-performing loans ratio edged up by 0.03 percentage points to 1.99%.Aggregate return on equity stands at 5.31% in June 2026, while the Common Equity Tier 1 ratio is 16.43%. The ECB said reporters generally apply International Financial Reporting Standards and the European Banking Authority's Implementing Technical Standards on Supervisory Reporting, although some small and medium-sized reporters may use national accounting standards.
The central bank also noted that the published figures include a small number of revisions to past data. That means some aggregates and indicators may incorporate data based on national accounting standards where the underlying items are available.
Our previous article on Mario Draghi’s warning about the risks of keeping interest rates above growth rates explained how prolonged tight policy can worsen debt dynamics and raise pressure for inflationary “fiscal dominance.” It also noted his call for central banks to prioritise inflation control while avoiding unnecessary damage to investment and productivity, alongside EU-level measures to support long-term growth.
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