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).
Banca Monte dei Paschi di Siena
BMPSCET1 Ratio
Common Equity Tier 1 / RWA
Risk-Weighted Assets
-1.20% QoQ growth
Total Loan Book
-3.2% 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 | 15.40% | 5.20% | $49.1B | $85.8B | -3.2% | -1.20% | 18.0% | 25.0% | 38.0% | 31 |
| 2025-Q3 | 14.80% | 5.00% | $49.7B | $86.4B | -1.7% | -1.20% | 18.0% | 25.0% | 39.0% | 32 |
| 2025-Q2 | 19.62% | 4.90% | $45.9B | $87.1B | -0.1% | -1.00% | 18.0% | 25.0% | 39.0% | 38 |
| 2025-Q1 | 13.60% | 4.70% | $50.8B | $87.9B | -0.8% | -0.80% | 18.0% | 24.0% | 40.0% | 38 |
| 2024-Q4 | 12.90% | 4.50% | $51.2B | $88.6B | +3.3% | +1.60% | 18.0% | 24.0% | 40.0% | 36 |
| 2024-Q3 | 13.20% | 4.60% | $50.4B | $87.9B | +3.2% | +1.40% | 18.0% | 24.0% | 40.0% | 34 |
| 2024-Q2 | 13.50% | 4.70% | $49.7B | $87.2B | +2.8% | +1.40% | 18.0% | 24.0% | 40.0% | 34 |
| 2024-Q1 | 13.80% | 4.80% | $49.0B | $86.5B | +2.7% | +1.20% | 18.0% | 24.0% | 39.0% | 34 |
| 2023-Q4 | 14.10% | 4.90% | $48.4B | $85.8B | +2.8% | +1.00% | 18.0% | 24.0% | 39.0% | 32 |
| 2023-Q3 | 14.30% | 5.00% | $47.9B | $85.2B | +2.6% | +0.80% | 18.0% | 24.0% | 39.0% | 29 |
| 2023-Q2 | 14.50% | 5.10% | $47.5B | $84.8B | +2.4% | +0.80% | 18.0% | 24.0% | 38.0% | 29 |
| 2023-Q1 | 14.70% | 5.20% | $47.1B | $84.2B | +2.1% | +0.60% | 18.0% | 24.0% | 38.0% | 29 |
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Score Breakdown
Live score · base 29 pts +2 macro adj
CET1 15.40% — well above management threshold
-3.40pp headroom above 8% regulatory floor
Leverage ratio 5.20% — near US enhanced SLR floor
Loan book grew -3.2% YoY
RWA grew -1.2% QoQ
CRE: 18%, Lev.Loans: 0%, max(Consumer/SME): 38%
No prior SRT deals on record
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