Regional Banking Monitor
TGB Regional Banking Monitor: Sub-Saharan Africa — Q2 2025
Kenya, Ghana, South Africa and the WAEMU eased policy between April and September 2025, and Nigeria cut its rate to 27.00%. Ghanaian bank capital without reliefs rose to 17.3%, but bad-loan ratios were still 17.6% in Kenya and 20.8% in Ghana.
TGB Regional Banking Monitor: Americas — Q2 2025
Policy diverged across the Americas: Banxico cut four times to 7.50%, the Fed and the Bank of Canada eased in September and Brazil held the Selic at 15.00%, while US banks earned a 1.13% return on assets in the second quarter of 2025.
TGB Regional Banking Monitor: Europe — Q2 2025
Euro area significant banks lifted their CET1 ratio to 16.12% and kept return on equity at 10.11% in the second quarter of 2025, as the ECB cut its deposit rate to 2.00% and stress tests projected aggregate CET1 near 12% after a severe hypothetical downturn.
TGB Regional Banking Monitor: Asia Pacific — Q2 2025
China's commercial banks ended the second quarter of 2025 with a 1.49% NPL ratio and 15.58% capital adequacy, as India, Korea, Australia, Thailand and Malaysia cut policy rates while the Bank of Japan held its rate at around 0.5%.
TGB Regional Banking Monitor: Sub-Saharan Africa — Q1 2025
Kenya cut its policy rate three times to 9.75% by June 2025 as bad loans rose to 17.6%; Ghana lifted its rate to 28.0% with NPLs at 23.6%; Nigeria held at 27.50%; South African banks reported CET1 of 13.23% in the year to March 2025.
TGB Regional Banking Monitor: Sub-Saharan Africa — Q4 2024
Kenya cut its policy rate to 9.75% by June 2025 as bad loans rose to 17.6%, Ghana's banks ended 2024 with a 21.8% NPL ratio, and South African lenders averaged a 13.29% CET1 ratio and 15.17% return on equity.
TGB Regional Banking Monitor: MENA — Q1 2025
Egypt cut rates by 325bp after inflation fell to 13.6% in March 2025 and Morocco eased to 2.25%, while bank credit grew 16.3% a year in Saudi Arabia and 9.4% in the UAE, where the Base Rate held at 4.40%.
TGB Regional Banking Monitor: Americas — Q1 2025
US banks earned $70.6 billion in the first quarter of 2025 as Brazil's Selic rose to 14.75% and Mexico cut to 8.50%. Capital stayed high from Canada to Mexico, but Brazilian delinquency rose to 3.5% in April and Chilean lending shrank.
TGB Regional Banking Monitor: Asia Pacific — Q1 2025
Policy rates fell in India, Korea, Australia, Indonesia and Thailand in Q1 2025 as Japan tightened. Banks entered the tariff shock with strong capital, but Thai NPLs reached 2.90% and Chinese bank returns on equity were 8.82%.
TGB Regional Banking Monitor: Europe — Q1 2025
Euro area banks closed 2024 with a 15.86% CET1 ratio and a 9.54% return on equity as the ECB cut its deposit rate to 2.25% by April 2025. Large banks reported strong first-quarter profits, but lenders tightened standards for business loans.
TGB Regional Banking Monitor: MENA — Q4 2024
Saudi and UAE policy rates fell 100bp with the Fed in late 2024, UAE bank deposits grew 12.9% against 9.5% credit growth, Al Rajhi's financing outran its deposits, Egypt held at 27.25% and Morocco cut to 2.25% after 2.6% credit growth in 2024.
TGB Regional Banking Monitor: Europe — Q4 2024
Euro area significant institutions closed 2024 with a 15.86% CET1 ratio and a 2.28% NPL ratio; the ECB cut its deposit rate to 2.50%, the Bank of England, SNB and Riksbank also eased, Norges Bank held and the CBRT raised its overnight lending rate.