0%
Chat
← Back to all posts

ECB Financial Stability Risk Dashboard—2025

•2 min read•0 views

Share this page on Facebook, X, LinkedIn, or by email
Data available as: CSV, JSON and XML

This dashboard provides a visual summary of the key risks and resilience indicators for the euro area financial system, based on the ECB’s Financial Stability Review (November 2024). Explore interactive charts and data on macro-financial risks, household and business sector resilience, sovereign and market risks, and the banking and non-bank financial sectors.

Key Euro Area Risk Indicators (2024–2025)

1. Macro-Financial and Geopolitical Uncertainty

Macro-Financial Uncertainty Index

  • Description: Macro-financial and geopolitical uncertainty remains elevated, with risks shifting from inflation to growth concerns. Geopolitical events and policy uncertainty continue to drive market volatility.

2. Household Sector Resilience

Household Vulnerability Indicator

  • Description: Household debt-to-income ratios have declined, and savings remain high. However, debt service costs are still elevated for some cohorts, and risks are concentrated among low-income and highly indebted households.

Corporate Insolvency Index

  • Description: Corporate balance sheets are under pressure from high funding costs and weak growth, especially in commercial real estate (CRE) and among SMEs. Insolvencies are rising from low levels.

4. Sovereign and Market Risks

Sovereign Debt and Market Volatility

  • Description: Sovereign vulnerabilities are increasing, especially in high-debt countries. Market volatility has increased, with sharp but short-lived corrections in equity and bond markets.

5. Banking Sector Resilience

Bank Capital and NPL Ratios

  • Description: Euro area banks remain resilient, with strong capital and liquidity buffers. Asset quality is deteriorating slowly, mainly in CRE, SMEs, and consumer credit, but exposures are manageable in aggregate.

6. Non-Bank Financial Sector Vulnerabilities

NBFI Liquidity and Leverage

  • Description: NBFIs face valuation, liquidity, and leverage risks, especially in investment funds and insurers. High concentration in equity holdings and increased exposure to US assets amplify vulnerabilities.

Download Data

Further Resources

For more data and interactive visualizations, visit the ECB’s Financial Stability Data Portal.

This dashboard is based on the ECB’s Financial Stability Review (November 2024) and related ECB sources. For detailed analysis, data, and policy updates, refer to the official ECB publications and dashboards.