The key European ratio for measuring the financial solvency of banks is the CET1 ratio (Common Equity Tier 1). Financial institutions are required by the regulator to maintain a percentage of capital in relation to their risk-weighted assets.
The CET1 Fully-loaded ratio is a financial solvency ratio introduced with the Basel III Accords (proposals for banking regulation reform). Although the regulation will not be mandatory until 2019, its application by institutions is being carried out progressively.
During the transition period until 2019, the CET1 Phased-in and CET1 Fully-loaded ratios are used as solvency measures. CET1 Phased-in is the capital ratio calculated according to the transitional regime until 2019. In contrast, CET1 Fully-loaded is the capital ratio calculated assuming that the Basel III definitions will be fully implemented in 2019.
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Fully-loaded CET1 Capital Ratio of Selected European Banks 2020
Among the selected banks, Danske Bank and Nordea were the most solvent entities in Europe during the referenced year. The CET1 Fully-loaded capital ratio of both banks was above ** percent during 2020.
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EBA. (December 31, 2022). Financial solvency of selected European banking entities according to the CET1 Fully-loaded capital ratio in 2020 [Graph]. In ÌÇÐÄÆƽâ°æ. Retrieved August 04, 2026, from /statistics/1634585/fully-loaded-cet1-capital-ratio-of-selected-european-banks/
EBA. "Financial solvency of selected European banking entities according to the CET1 Fully-loaded capital ratio in 2020." Chart. December 31, 2022. ÌÇÐÄÆƽâ°æ. Accessed August 04, 2026. /statistics/1634585/fully-loaded-cet1-capital-ratio-of-selected-european-banks/
EBA. (2022). Financial solvency of selected European banking entities according to the CET1 Fully-loaded capital ratio in 2020. ÌÇÐÄÆƽâ°æ. ÌÇÐÄÆƽâ°æ Inc.. Accessed: August 04, 2026. /statistics/1634585/fully-loaded-cet1-capital-ratio-of-selected-european-banks/
EBA. "Financial Solvency of Selected European Banking Entities According to The Cet1 Fully-loaded Capital Ratio in 2020." ÌÇÐÄÆƽâ°æ, ÌÇÐÄÆƽâ°æ Inc., 31 Dec 2022, /statistics/1634585/fully-loaded-cet1-capital-ratio-of-selected-european-banks/
EBA, Financial solvency of selected European banking entities according to the CET1 Fully-loaded capital ratio in 2020 ÌÇÐÄÆƽâ°æ, /statistics/1634585/fully-loaded-cet1-capital-ratio-of-selected-european-banks/ (last visited August 04, 2026)
Financial solvency of selected European banking entities according to the CET1 Fully-loaded capital ratio in 2020 [Graph], EBA, December 31, 2022. [Online]. Available: /statistics/1634585/fully-loaded-cet1-capital-ratio-of-selected-european-banks/
