ECB publishes supervisory banking statistics for the first quarter of 2019

  • Capital ratios for significant institutions remain stable in the first quarter of 2019, with total capital ratio at 17.99% and CET1 at 14.34%.
  • NPL ratio decreases further to 3.67%, lowest level since time series first published in 2015.
  • Liquidity coverage ratio increases to 149.71%.

Capital adequacy

Capital ratios for significant institutions remained stable in the first quarter of 2019. The Common Equity Tier 1 (CET1) ratio stood at 14.34%, the Tier 1 ratio at 15.59% and the total capital ratio at 17.99%. Average CET1 capital ratios at participating Member State level range from 11.77% in Spain to 27.69% in Estonia.

Asset quality

The non-performing loans ratio (NPL ratio) decreased further to 3.67% in the first quarter of 2019, which was the lowest level since supervisory banking statistics were first published in the second quarter of 2015.


The liquidity coverage ratio increased to 149.71% in the first quarter of 2019, from 145.78% in the previous quarter. The average values range from 74.07% in Greece[1] to 387.21% in Slovenia.

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