France financial soundness indicators
France financial soundness indicators from the IMF, tracking banking sector stability and capital.
| Indicator | Q4-2025 | Q3-2025 | Q2-2025 | Q1-2025 | Q4-2024 | Q3-2024 | Q2-2024 | Q1-2024 | Q4-2023 | Q3-2023 | Q2-2023 | Q1-2023 | Q4-2022 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Capital adequacy of deposit takers6 | ||||||||||||||
| Regulatory capital to risk-weighted assets | 19.64 | 19.62 | 19.62 | 19.81 | 19.78 | 19.32 | 19.54 | 19.57 | 19.52 | 19.67 | 19.89 | 19.99 | 19.38 | |
| Tier 1 capital to risk-weighted assets | 17.29 | 17.24 | 17.27 | 17.23 | 17.36 | 16.92 | 17.13 | 17.13 | 17.21 | 17.22 | 17.42 | 17.42 | 16.84 | |
| Common equity Tier 1 capital to risk-weighted assets | 16.06 | 16.02 | 16.06 | 15.98 | 16.13 | 15.78 | 15.94 | 15.94 | 16.08 | 16 | 16.21 | 16.21 | 15.76 | |
| Tier 1 capital to total assets (leverage) | 5.54 | 5.43 | 5.5 | 5.46 | 5.56 | 5.35 | 5.41 | 5.38 | 5.47 | 5.38 | 5.47 | 5.33 | 5.35 | |
| Nonperforming loans net of provisions to capital | 11.93 | 11.98 | 11.65 | 11.39 | 11.33 | 11.89 | 11.75 | 11.7 | 11.53 | 11.38 | 11.15 | 10.73 | 10.95 | |
| Large exposures to capital | 28.27 | 31.06 | 25.95 | 27.11 | 24.9 | 22.12 | 25.53 | 27.86 | 27.92 | 29.14 | 30.75 | 27.7 | 29.13 | |
| Asset quality and lending structure6 | ||||||||||||||
| Nonperforming loans to total gross loans | 2.16 | 2.14 | 2.09 | 2.07 | 2.09 | 2.11 | 2.1 | 2.06 | 2.06 | 2.03 | 2.06 | 1.99 | 2.08 | |
| Provisions to nonperforming loans | 44.09 | 44.16 | 44.23 | 44.58 | 44.61 | 44.58 | 44.6 | 44.25 | 45.02 | 45.43 | 45.48 | 46.51 | 46.49 | |
| Residential real estate loans to total gross loans | 10.4 | 10.42 | 10.46 | 10.5 | 10.75 | 10.76 | 10.91 | 10.85 | 11.07 | 10.95 | 11.24 | 11.37 | 11.78 | |
| Commercial real estate loans to total gross loans | 5.45 | 5.37 | 5.23 | 5.18 | 5.29 | 5.24 | 5.17 | 5.12 | 5.02 | 4.93 | 5.1 | 4.99 | 5.14 | |
| Foreign currency denominated loans to total loans | 10.59 | 10.37 | 10.44 | 10.64 | 10.75 | 11.34 | 10.71 | 10.8 | 10.83 | 10.85 | 10.93 | |||
| Credit growth to the private sector | 1.62 | 1.71 | 1.35 | 1.49 | 0.14 | -0.9 | -0.44 | 0.19 | 1.96 | 2.56 | 3.59 | 4.13 | 5.14 | |
| Geographic distribution of loans7 | ||||||||||||||
| Domestic economy | 65.7 | 65.22 | 65.05 | 65.08 | 65.93 | 65.85 | 65.99 | 65.77 | 66.23 | 65.67 | 66.62 | 65.9 | 67.56 | |
| Advanced economies | 34.3 | 34.78 | 34.95 | 34.92 | 34.07 | 34.15 | 34.01 | 34.23 | 33.77 | 34.33 | 33.38 | 34.1 | 32.44 | |
| Emerging and developing Europe | 2.33 | 2.3 | 2.22 | 2.22 | 2.16 | 2.27 | 2.21 | 2.3 | 2.27 | 2.14 | 2.4 | 2.16 | 2.15 | |
| Emerging and developing Asia | 2.02 | 1.93 | 1.95 | 2.16 | 2.44 | 2.39 | 2.43 | 2.47 | 2.36 | 2.41 | 2.26 | 2.53 | 2.65 | |
| Latin America and the Caribbean | 3.49 | 3.46 | 3.4 | 3.11 | 2.77 | 3.22 | 2.94 | 2.81 | 2.35 | 2.49 | 2.43 | 2.36 | 2.21 | |
| Middle East and Central Asia | 1.45 | 1.5 | 1.46 | 1.47 | 1.53 | 1.42 | 1.51 | 1.4 | 1.48 | 1.41 | 1.48 | 1.39 | 1.5 | |
| Sub-Saharan Africa | 0.73 | 0.82 | 0.82 | 0.84 | 0.88 | 0.84 | 0.87 | 0.85 | 1.07 | 1.04 | 1.03 | 1.01 | 1.11 | |
| Earnings and profitability of deposit takers6 | ||||||||||||||
| Return on assets | 0.55 | 0.56 | 0.56 | 0.54 | 0.55 | 0.49 | 0.49 | 0.5 | 0.49 | 0.54 | 0.53 | 0.52 | 0.48 | |
| Return on equity | 6.49 | 6.55 | 6.54 | 6.44 | 6.79 | 6.13 | 6.02 | 6.09 | 5.92 | 6.71 | 6.76 | 6.66 | 6.17 | |
| Interest margin to gross income | 29.27 | 28.43 | 27.73 | 28.21 | 28.59 | 28.76 | 30.54 | 29.29 | 32.86 | 32.1 | 31.11 | 29.6 | 36.44 | |
| Noninterest expenses to gross income | 73.08 | 72.26 | 72.51 | 73.87 | 72.66 | 72.07 | 70.13 | 70.11 | 72.46 | 69.69 | 69.38 | 69.45 | 71.66 | |
| Trading income to total income | 9.87 | 10.32 | 11.28 | 12.47 | 9.34 | 9.32 | 10.22 | 11.94 | 9.84 | 10.38 | 11.03 | 12.56 | 11.15 | |
| Personnel expenses to noninterest expenses | 39.23 | 38.68 | 38.92 | 38.66 | 39.23 | 39.21 | 42.64 | 41.83 | 42.25 | 42.25 | 42.01 | 40.59 | 43.15 | |
| Liquidity and market risk of deposit takers7 | ||||||||||||||
| Liquidity coverage ratio | 143.47 | 146.2 | 145.81 | 144.32 | 144.98 | 146.5 | 148.04 | 151.17 | 151.61 | 149.6 | 149.95 | 155.68 | 148.79 | |
| Net stable funding ratio | 115.2 | 115.42 | 115.55 | 115.35 | 115.63 | 115.85 | 116.96 | 116.69 | 116.19 | 115.76 | 115.94 | 116.2 | 115.83 | |
| Liquid assets to total assets | 16.16 | 16.21 | 15.87 | 15.99 | 16.11 | 16.07 | 16.53 | 16.44 | 16.93 | 16.12 | 16.28 | 17.05 | 17.38 | |
| Liquid assets to short-term liabilities | 23.53 | 23.39 | 23.02 | 22.98 | 23.42 | 22.94 | 23.91 | 23.76 | 24.33 | 23.23 | 22.37 | 23.03 | 23.75 | |
| Customer deposits to total (noninterbank) loans | 71.33 | 70.28 | 69.49 | 69.95 | 72.08 | 70.66 | 71 | 70.21 | 70.92 | 69.5 | 75.01 | 73.17 | 75.15 | |
| Gross asset position in financial derivatives to capital | 119.21 | 117.83 | 124.92 | 115.26 | 131.99 | 121.53 | 123.16 | 121.83 | 125.49 | 146.04 | 136.26 | 129.29 | 151 | |
| Gross liability position in financial derivatives to capital | 114.82 | 116.75 | 123.94 | 113.91 | 132.19 | 123.67 | 123.05 | 122.86 | 129.65 | 145.08 | 137.64 | 130.21 | 151.78 | |
| Non-financial corporations4 | ||||||||||||||
| Total debt to equity | 223.29 | 228.28 | 231.22 | 220.32 | 218.23 | 200.9 | 202.58 | 181.69 | 191.43 | 192.92 | 180.01 | 179.66 | 206.56 | |
| Earnings to interest expenses | 313.81 | 333.51 | 382.25 | 539.51 | ||||||||||
| Earnings to interest and principal expenses | 105.42 | 109.96 | 116.78 | 112.33 | ||||||||||
| Return on equity | 13.02 | 12.84 | 13.1 | 13.39 | ||||||||||
| Households2 | ||||||||||||||
| Household debt to gross disposable income | 91.37 | 91.72 | 96.05 | 102.51 | ||||||||||
| Household debt service and principal payments to income | 12.99 | 12.12 | 12.63 | 15.81 | ||||||||||
| Real estate and other financial corporations2 | ||||||||||||||
| Residential real estate prices, change over 12 months | 1.03 | 0.71 | 0.64 | 0.4 | -1.86 | -3.48 | -4.56 | -4.76 | -3.6 | -1.56 | 0.69 | 2.88 | 4.71 | |
| Other financial corporations' assets to total financial system assets | 44.23 | 43.69 | 43.4 | 43.2 | 42.63 | 42.46 | 41.84 | 41.8 | 40.75 | 39.61 | 40.12 | 39.91 | 39.61 |
Latest reading
The latest reading is 16.06%, for Q4 2025. That is unchanged from Q3 2025 and −0.1 pp from a year earlier. The series on this page is quarterly and runs from Q4 2014 to Q4 2025. Source: IMF – Financial Soundness Indicators (FSIC), data reported by Banque de France.
- Latest
- 16.06%
- Q4 2025
- vs previous period
- 0.0 pp
- Q3 2025
- vs a year earlier
- −0.1 pp
About this data
France financial soundness indicators from the IMF, tracking banking sector stability and capital. This quarterly dataset includes key metrics on capital adequacy, asset quality, earnings, and liquidity of deposit takers. Specific indicators cover regulatory capital, Tier 1 and CET1 ratios, nonperforming loans, and return on equity. Compiled from Banque de France data, the historical series go back to 1995.
Frequently asked questions
- What are the France financial soundness indicators?
- These are quarterly metrics compiled under the IMF framework to assess the strengths and vulnerabilities of the French financial sector, focusing on capital adequacy, asset quality, profitability, and liquidity.
- Which bank capital ratios are included for France?
- The dataset includes key capital adequacy measures for French deposit takers, such as the regulatory capital to risk-weighted assets, Tier 1 capital, and Common Equity Tier 1 (CET1) ratios.
- How is asset quality measured in the French banking sector?
- Asset quality in France is monitored through indicators such as the ratio of nonperforming loans to total gross loans and the ratio of provisions to nonperforming loans.
- What is the source and coverage of the France IMF FSI data?
- The quarterly indicators are published by the IMF using supervisory data reported by the Banque de France, with historical series starting in 1995.
