09 December 2022
The European Banking Authority (EBA) published today its annual risk assessment of the European banking system. The report is accompanied by the publication of the 2022 EU-wide transparency exercise, which provides detailed information, in a comparable and accessible format, for 122 banks across 26 EEA / EU countries. Banks should prepare for a likely deterioration in asset quality and strengthen their screening systems and controls to ensure a strict compliance with sanctions to prevent legal and reputational risks. |
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|
CET1 ratio (transitional) |
CET1 ratio (fully loaded) |
Leverage ratio (fully phased-in) |
Liquidity coverage ratio |
NPL ratio |
Share of Stage 2 loans |
RoE |
Q2 2022 |
15.2% |
15.0% |
5.2% |
165.1% |
1.8% |
9.5% |
7.8% |
Q2 2021 |
15.8% |
15.5% |
5.7% |
174.5% |
2.3% |
8.8% |
7.4% |
The transparency exercise is part of the EBA's ongoing efforts to foster transparency and market discipline in the EU financial market, and complements banks' own Pillar 3 disclosures, as laid down in the EU Capital Requirements Directive (CRD). Along with the dataset (over 1.2 million data points, with on average more than 10,000 data points per bank), the EBA also provides a wide range of interactive tools that allow users to compare and visualise data across time and on a country and a bank-by-bank level.
The exercise results are based on the supervisory data submitted to the EBA via the European Centralised Infrastructure of Data (EUCLID) platform. It is the platform and data infrastructure developed and used by the EBA to gather and analyse regulatory data from a wide range of financial institutions. It covers supervisory, resolution, remuneration and payments data. Thanks to EUCLID, the public will be able to gain a wider access to EU banking and financial data.