EBA releases Q4 2025 property loss data for banks

The European Banking Authority's latest publication details aggregated loss data for exposures secured by residential and commercial immovable property across the EU/EEA for Q4 2025.

For residential property, overall losses amounted to €2,218.9 million, with total exposures reaching €6.43 trillion.

Commercial immovable property saw overall losses of €1,218.7 million, against total exposures of €1.29 trillion.

This data is crucial for institutions applying specific treatments under Articles 125(1), 125(2), 126(1), 126(2), 199(3) and (4) of the Capital Requirements Regulation (CRR).

The EBA collects this information based on aggregate data reported by institutions in accordance with Commission Implementing Regulation (EU) 2024/3117, template C 15.00, aiming to streamline disclosures and prevent redundancy from national competent authorities under CRR Article 430a(3).

The EBA's publication includes two distinct sets of data: one aggregated by the country where the property exposure is located, and another providing ancillary information by the country of the reporting entity.

While both tables present overall losses and exposures for residential and commercial property, only the data aggregated by national immovable property market should be used to assess loss-rate thresholds for CRR derogations.

The second table, by reporting entity, is for informational purposes only.

Notably, for Belgium, France, Croatia, and Romania, institutions should refer to the loss data published directly by their respective national competent authorities for assessing these thresholds.