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).
BPER Banca
BPERCET1 Ratio
Common Equity Tier 1 / RWA
Risk-Weighted Assets
+0.80% QoQ growth
Total Loan Book
+4.1% 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 | 13.60% | 5.20% | $38.9B | $65.9B | +4.1% | +0.80% | 14.0% | 20.0% | 46.0% | 33 |
| 2025-Q3 | 13.40% | 5.10% | $38.6B | $65.4B | +1.7% | +1.00% | 14.0% | 20.0% | 46.0% | 34 |
| 2025-Q2 | 16.22% | 5.00% | $55.6B | $64.8B | +2.4% | +1.10% | 14.0% | 20.0% | 46.0% | 36 |
| 2025-Q1 | 13.00% | 4.90% | $37.8B | $64.1B | +1.3% | +1.30% | 14.0% | 19.0% | 46.0% | 42 |
| 2024-Q4 | 12.60% | 4.80% | $37.3B | $63.3B | +3.9% | +1.60% | 14.0% | 19.0% | 46.0% | 36 |
| 2024-Q3 | 12.80% | 4.90% | $36.7B | $62.7B | +4.0% | +1.40% | 14.0% | 19.0% | 46.0% | 36 |
| 2024-Q2 | 13.00% | 5.00% | $36.2B | $62.1B | +4.0% | +1.40% | 14.0% | 19.0% | 45.0% | 31 |
| 2024-Q1 | 13.20% | 5.10% | $35.7B | $61.5B | +4.1% | +1.10% | 14.0% | 19.0% | 45.0% | 31 |
| 2023-Q4 | 13.30% | 5.20% | $35.3B | $60.9B | +5.6% | +1.10% | 14.0% | 18.0% | 45.0% | 34 |
| 2023-Q3 | 13.50% | 5.30% | $34.9B | $60.3B | +5.5% | +1.20% | 14.0% | 18.0% | 45.0% | 34 |
| 2023-Q2 | 13.60% | 5.40% | $34.5B | $59.7B | +5.4% | +0.90% | 14.0% | 18.0% | 44.0% | 32 |
| 2023-Q1 | 13.80% | 5.50% | $34.2B | $59.1B | +5.2% | +0.50% | 14.0% | 18.0% | 44.0% | 31 |
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Score Breakdown
Live score · base 31 pts +2 macro adj
CET1 13.60% — well above management threshold
-1.60pp headroom above 8% regulatory floor
Leverage ratio 5.20% — near US enhanced SLR floor
Loan book grew 4.1% YoY
RWA grew 0.8% QoQ
CRE: 14%, Lev.Loans: 0%, max(Consumer/SME): 46%
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