Data source: Metrics for European banks are sourced from 2025 annual reports and ECB/EBA Pillar 3 disclosures. Figures are updated semi-annually as regulatory filings are published — not via real-time API like US banks (FDIC).
Erste Group Bank
EBSCET1 Ratio
Common Equity Tier 1 / RWA
Risk-Weighted Assets
+0.80% QoQ growth
Total Loan Book
+3.5% YoY growth
Leverage Ratio
Tier 1 / Average assets
CET1 Ratio Trend
8 quarters · regulatory minimum 8% · scoring threshold 12%
RWA Growth
Bars = total ($B) · Line = QoQ growth %
Loan Book Composition
Latest quarter · 2025-Q4
Metric History
12 quarters · FDIC Call Report data
| Quarter | CET1 % | Leverage % | RWA | Loan Book | Loans YoY | RWA QoQ | CRE % | Consumer % | SME % | SRT Score |
|---|---|---|---|---|---|---|---|---|---|---|
| 2025-Q4latest | 14.60% | 5.50% | $165.6B | $261.4B | +3.5% | +0.80% | 18.0% | 27.0% | 38.0% | 48 |
| 2025-Q3 | 14.40% | 5.40% | $164.3B | $259.3B | +2.7% | +0.90% | 18.0% | 27.0% | 38.0% | 36 |
| 2025-Q2 | 14.20% | 5.30% | $162.9B | $257.1B | +1.8% | +0.90% | 18.0% | 27.0% | 38.0% | 36 |
| 2025-Q1 | 14.00% | 5.20% | $161.4B | $254.8B | +0.9% | +1.00% | 18.0% | 27.0% | 38.0% | 36 |
| 2024-Q4 | 13.80% | 5.10% | $159.8B | $252.5B | +5.2% | +1.30% | 18.0% | 27.0% | 38.0% | 36 |
| 2024-Q3 | 14.00% | 5.20% | $157.8B | $249.3B | +5.1% | +1.30% | 18.0% | 27.0% | 37.0% | 36 |
| 2024-Q2 | 14.20% | 5.30% | $155.8B | $246.2B | +5.1% | +1.20% | 18.0% | 27.0% | 37.0% | 36 |
| 2024-Q1 | 14.40% | 5.40% | $153.9B | $243.1B | +4.6% | +1.20% | 18.0% | 26.0% | 37.0% | 33 |
| 2023-Q4 | 14.60% | 5.50% | $152.0B | $240.1B | +6.6% | +1.20% | 18.0% | 26.0% | 37.0% | 35 |
| 2023-Q3 | 14.80% | 5.60% | $150.2B | $237.1B | +6.5% | +1.10% | 18.0% | 26.0% | 36.0% | 35 |
| 2023-Q2 | 15.00% | 5.70% | $148.5B | $234.2B | +6.4% | +1.20% | 18.0% | 26.0% | 36.0% | 35 |
| 2023-Q1 | 15.20% | 5.80% | $146.8B | $231.4B | +6.2% | +0.60% | 18.0% | 26.0% | 36.0% | 33 |
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Score Breakdown
Live score · base 46 pts +2 macro adj
CET1 14.60% — large-bank proactive optimisation
-2.60pp headroom above 8% regulatory floor
Leverage ratio 5.50% — near US enhanced SLR floor
Loan book grew 3.5% YoY
RWA grew 0.8% QoQ
CRE: 18%, Lev.Loans: 0%, max(Consumer/SME): 38%
Bank has previously issued SRT transactions
4 months since last deal — recently completed
Live macro signal: FAVORABLE (sentiment +6/20) — 7/10 pts
$50B–$500B total assets — sweet spot: capital pressure + sourcing alpha
Sentiment +6/20 · global +2 pts