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).
Banco BPM
BAMICET1 Ratio
Common Equity Tier 1 / RWA
Risk-Weighted Assets
+0.30% QoQ growth
Total Loan Book
+2.4% 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 | 12.80% | 4.70% | $65.1B | $113.0B | +2.4% | +0.30% | 16.0% | 22.0% | 44.0% | 61 |
| 2025-Q3 | 12.60% | 4.70% | $64.9B | $112.5B | +2.9% | +0.50% | 16.0% | 22.0% | 44.0% | 60 |
| 2025-Q2 | 14.15% | 4.60% | $64.3B | $111.8B | +3.1% | +0.60% | 16.0% | 22.0% | 44.0% | 56 |
| 2025-Q1 | 12.20% | 4.50% | $64.2B | $111.0B | +3.3% | +0.60% | 16.0% | 22.0% | 44.0% | 56 |
| 2024-Q4 | 11.80% | 4.40% | $63.8B | $110.3B | +3.5% | +1.80% | 16.0% | 22.0% | 44.0% | 53 |
| 2024-Q3 | 11.90% | 4.50% | $62.7B | $109.3B | +3.3% | +1.60% | 16.0% | 22.0% | 44.0% | 50 |
| 2024-Q2 | 12.00% | 4.60% | $61.7B | $108.4B | +3.2% | +1.50% | 16.0% | 22.0% | 44.0% | 49 |
| 2024-Q1 | 12.10% | 4.70% | $60.8B | $107.5B | +3.1% | +1.30% | 16.0% | 22.0% | 43.0% | 37 |
| 2023-Q4 | 12.20% | 4.80% | $60.0B | $106.6B | +4.3% | +1.20% | 16.0% | 21.0% | 43.0% | 37 |
| 2023-Q3 | 12.30% | 4.90% | $59.3B | $105.8B | +4.2% | +1.00% | 16.0% | 21.0% | 43.0% | 35 |
| 2023-Q2 | 12.40% | 5.00% | $58.7B | $105.0B | +4.0% | +0.90% | 16.0% | 21.0% | 42.0% | 32 |
| 2023-Q1 | 12.50% | 5.10% | $58.2B | $104.3B | +3.8% | +0.70% | 16.0% | 21.0% | 42.0% | 32 |
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Score Breakdown
Live score · base 59 pts +2 macro adj
CET1 12.80% — below active SRT zone
-0.80pp headroom above 8% regulatory floor
Leverage ratio 4.70% — moderate constraint
Loan book grew 2.4% YoY
RWA grew 0.3% QoQ
CRE: 16%, Lev.Loans: 0%, max(Consumer/SME): 44%
Bank has previously issued SRT transactions
7 months since last deal — active SRT program
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