EU Banking System Health
Heat Map: Country-level CET1 Ratios
Key Insight: Euro area CET1 average: 15.2% (+0.3pp QoQ). Irish banks: AIB 17.1%, BOI 16.8%, PTSB 15.9%.
Top 10 Banks by CET1 Ratio
Bar Chart: Top 10 EU Banks by CET1 Ratio
| Bank | Country | CET1 | Trend |
|---|---|---|---|
| Nordea Bank | Finland | 19.8% | ▲ 0.2pp |
| DNB Bank | Norway | 19.2% | ▲ 0.1pp |
| AIB Group | Ireland | 17.1% | ▲ 0.3pp |
| Bank of Ireland | Ireland | 16.8% | ▬ |
| Santander | Spain | 15.9% | ▲ 0.1pp |
Irish Bank Comparison
Radar Chart: AIB vs BOI vs PTSB
| Metric | AIB | BOI | PTSB |
|---|---|---|---|
| CET1 Ratio | 17.1% | 16.8% | 15.9% |
| NPL Ratio | 2.2% | 2.2% | 3.1% |
| RoE | 25.0% | 13.9% | 8.2% |
| Cost-to-Income | 44% | 49% | 62% |
Stress Test Resilience (2025 Exercise)
Waterfall Chart: CET1 Depletion under Adverse Scenario
Best Performers
Nordea: +106bps
DNB: +89bps
AIB: +42bps
Irish Banks
AIB: +42bps
BOI: -18bps
PTSB: -87bps
Weakest
Monte Paschi: -1,263bps
Unicredit: -412bps
Intesa: -298bps
Risk Indicators
Gauge Charts: NPL, LCR, Leverage
NPL Ratio > 5%
3 banks
LCR < 100%
2 banks
CET1 < 10%
1 bank
P2R > 3%
7 banks
Peer Group Analysis
Box Plot: CET1 Distribution by Bank Type
G-SIIs (n=8)
14.2% - 19.8%
D-SIIs (n=24)
13.8% - 18.5%
Other SIs (n=91)
12.1% - 17.9%
All Banks (n=123)
12.1% - 19.8%