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The capital ratios for the aggregated group of significant institutions, i.e. the banks supervised by the ECB, increased slightly in the third quarter of 2019 compared with the previous quarter. The Common Equity Tier 1 (CET1) ratio stood at 14.37%, the Tier 1 ratio at 15.58% and the total capital ratio at 18.05%. Average CET1 capital ratios at country level ranged from 11.92% in Spain to 27.50% in Estonia.
The non-performing loans ratio (NPL ratio) decreased further to 3.41% in the third quarter of 2019, which was the lowest level since supervisory banking statistics were first published in the second quarter of 2015. Luxembourg had the lowest average ratio, at 0.91%, while Greece had the highest, at 37.40%.
The liquidity coverage ratio stood at 145.16% in the third quarter of 2019, down from 146.85% in the second quarter of 2019. The average values ranged from 115.43% in Greece to 366.79% in Slovenia.