Regional Banking Monitor
TGB Regional Banking Monitor: Asia Pacific — Q1 2026
Australia raised its cash rate to 4.10% in two steps and Thailand cut to 1.00%; most Asia-Pacific central banks held. Chinese commercial banks ended 2025 with a 1.50% NPL ratio and 1.42% margin, as the Middle East war from late February weighed on the global outlook.
TGB Regional Banking Monitor: Europe — Q4 2025
Euro area banks ended 2025 with a 16.18% CET1 ratio and a series-low 2.18% NPL ratio, while return on equity slipped to 9.53%. Credit standards for firms tightened, and the ECB said the Middle East war had made the outlook significantly more uncertain.
TGB Regional Banking Monitor: Sub-Saharan Africa — Q4 2025
Ghana cut its policy rate to 15.50% and Kenya to 8.75% by February 2026, while non-performing loan ratios eased to 18.9% in Ghana and 15.5% in Kenya and South African banks ended 2025 with a CET1 ratio of 13.89%.
TGB Regional Banking Monitor: Americas — Q4 2025
Americas banks ended 2025 profitable and well capitalised as policy rates diverged: US bank margins reached 3.39%, Brazil held the Selic at 15.00% while delinquency rose to 4.2%, and Mexico paused its easing cycle at 7.00%.
TGB Regional Banking Monitor: Asia Pacific — Q4 2025
Australia raised its cash rate to 3.85% and Japan moved to 0.75%, while India and Thailand cut rates. Chinese bank margins held at 1.42%, while Korean and Thai banks and Singapore's DBS reported narrower margins.
TGB Regional Banking Monitor: MENA — Q4 2025
Saudi bank credit grew 14.3% a year against 7.9% for deposits in Q3 2025, while SAMA, the CBUAE and the QCB cut rates twice with the Fed and Egypt's central bank cut by 100bp in October and again in December.
TGB Regional Banking Monitor: Americas — Q3 2025
US banks earned $79.3 billion in the third quarter of 2025 while unrealised securities losses fell to $337.1 billion; Brazil's 90-day arrears stood at 3.8%, 0.7 percentage point higher than a year earlier, under a 15.00% Selic, and Mexico and Canada kept easing.
TGB Regional Banking Monitor: MENA — Q3 2025
Saudi bank credit grew 15.8% against deposit growth of 7.7% in the second quarter, UAE gross credit rose 14.7% in a year and Egypt cut rates by 625bp in 2025, as large Gulf banks absorbed lower margins and higher tax charges in the first nine months of 2025.
TGB Regional Banking Monitor: Europe — Q3 2025
Euro area significant institutions reported a 16.10% CET1 ratio and a 9.88% return on equity in Q3 2025, while UK banks earned a 14.7% underlying RoTE and the Bank of England lowered Bank Rate to 3.75% as the ECB held at 2.00%.
TGB Regional Banking Monitor: Sub-Saharan Africa — Q3 2025
Ghana cut its policy rate by 700bp in September and November 2025 to 18.0%, Kenya cut to 9.00% and South Africa to 6.75%, while non-performing loans fell to 19.5% of loans in Ghana and 16.5% in Kenya.
TGB Regional Banking Monitor: Asia Pacific — Q3 2025
Chinese commercial banks' NPL ratio rose to 1.52% in the third quarter of 2025 while margins held at 1.42%; Indonesian lending rates fell only 20bp against 125bp of BI-Rate cuts, and Australia's banking system had a 12.4% CET1 ratio.
TGB Regional Banking Monitor: MENA — Q2 2025
Saudi bank credit rose 15.8% year on year in Q2 2025 against 7.7% deposit growth, UAE banks held a 17.3% capital adequacy ratio, and Egypt cut its overnight deposit rate to 21.00%, with urban inflation at 11.7% in September.