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Solidity of the European banking sector

• LCR and CET1 ratios keep improving
• European banks continued to cut NPLs
• NPL coverage ratio remained stable
• European banks struggle with profitability
• RoE and RoA bounced back after COVID-19
• Solid yet not profitable enough

• Over 400 million individuals with a bank account
• Continued consolidation of European banks
• Bank branch numbers continue to fall
• Alongside branches, employee figures are shrinking
• Bank assets in the EU increased slightly

• Customer numbers grow but employees were made redundant
• Assets of the leading banks exceeded ten trillion euros
• Banco Santander on top in terms of revenue
• A long recovery for Europe’s largest banks?
• Profitability woes for European banks

• Digital-only banks close the gap in brand value
• Digital-only banks continue to attract customers and investors
• New entrants are looking to new markets
• Expansion is the way: The quest to find new customers

• Short-term threats for European banks
• Cyber security: A growing threat
• Exposure to Russia: A dangerous relationship
• Russian market: Should banks stay or should they go?
• The end of negative interest rates
• Interest rates increase: Short-term gains, but long-term challenges