Risk Dashboard Q2 2026
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The EBA Risk Dashboard for Q2 2026 shows a solid EU/EEA banking sector in a very uncertain environment: ample capital and liquidity, growing lending with sound asset quality and high profitability. The EBA calls for monitoring geopolitical tensions and high valuations linked to AI financing.
Key points
- CET1 of 16.1% (16.2% the previous quarter), LCR of 158.5% and NSFR of 125.7%.
- Household loans +5.2% and corporate loans +6.3% year on year; NPL ratio of 1.8% and Stage 2 loans at 8.9%.
- ROE of 11.3% (10.7% a year earlier) and cost-to-income ratio of 51.5%.
- Direct exposure to the IT sector is only 4% of corporate lending, with no deterioration.
Who is affected
EU/EEA banks, investors in the sector and supervisors.
Plain-language version
The EBA's risk dashboard for the second quarter of 2026 (the EBA is the EU authority that sets the rules for banks). Banks have plenty of cash available in the short term (their liquidity ratio is 158.5%) and a 16.1% capital cushion. Their direct exposure to tech companies is just 4% of business lending and shows no signs of trouble.
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Summary produced with artificial intelligence from the official publication. It may contain errors: always check the original document.
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