The U.S. commercial banking industry's return on assets (ROA) has experienced dramatic shifts over two decades. Peaking at 1.37 percent in the first quarter of 2004, it plummeted to a historic low of -1.86 percent during the fourth quarter of 2008's global financial crisis. After a gradual recovery, the ROA stabilized around 1.2-1.3 percent in 2023, despite a decline to one percent in the final quarter. Throughout 2024, U.S. banks demonstrated relative consistency, with ROA fluctuating between 0.95 and 1.04 percent. In contrast, the European banking industry maintained a lower performance, with ROA averaging 0.5-0.7 percent during the same period. Steady growth amidst fluctuations in net operating income Despite the lowest quarterly net operating income of the U.S. banking industry being measured in the fourth quarter of 2008, at a negative 35 billion U.S. dollars, the average quarterly income of all FDIC-insured institutions grew steadily after the global financial crisis, experiencing a sharp decrease due to the COVID-19 pandemic in the first half of 2020. After 2021, the industry saw another steady decrease in its quarterly income until it started to increase again towards the end of 2022. In 2023, the bank with the highest reported revenue was JPMorgan Chase. Stability and resilience in capital adequacy The common equity tier 1 (CET1) ratio of the U.S. commercial banking industry has shown resilience, with an upward trajectory throughout 2024. Despite sharp decreases due to global financial crises and the COVID-19 pandemic, the industry has demonstrated stability and gradual recovery in its capital adequacy.

Graph and download economic data for Bank's Return on Assets for India (DDEI05INA156NWDB) from 2000 to 2021 about ROA, India, banks, and depository institutions.

In the first half of 2024, JPMorgan Chase topped the list of the ** largest U.S. banks in terms of return on assets (ROA), achieving a robust *** percent. Fifth Third Bank secured the second position with a ROA of **** percent. At the other end of the spectrum, Truist Bank reported the lowest ROA among this group, with a negative **** percent. This range demonstrates the significant performance gap within the top tier of U.S. banking institutions, with JPMorgan Chase's ROA exceeding that of Fifth Third Bank by nearly ** basis points and outperforming Truist Bank by over *** basis points.

There was a significant drop in the average return on assets (ROA) of the EU banking industry in 2020, which was caused by the poor economic conditions due to COVID-19. The ROA of the banking sector in 2020, however, remained well above the value measured during the global financial crisis in 2007 and 2008, and the euro area recession in 2012. As the economy stabilized after the pandemic, so did the ROA of the banking industry, which stood at 0.7 percent at the end of 2024, the highest value during the observed period.

Graph and download economic data for Bank's Return on Assets for Angola (DDEI05AOA156NWDB) from 2002 to 2021 about Angola, ROA, banks, and depository institutions.

Return on assets (ROA) is a ratio used to measure how well a company is using its assets to generate income. The ratio is calculated by dividing the Net Income by the average total assets over a given period. As of the end of 2021, Sberbank had the highest return on assets among the leading European banks, ranked by market capitalization. Sberbank was followed by the Spanish BBVA, the Swiss UBS, and the UK-based Lloyds Banking Group. Return on capital Sberbank was also a leading bank in terms of return on capital (ROC). Return on capital is used by financial companies such as banks as not only a measurement of profitability, but as an indication of the banks' ability to create value on the amount invested by the shareholders. European banking sector To discover much more on Europe's leading banks and the European banking sector, you can read our report "European Banking Sector". The report takes an in-depth look at the health of Europe’s banks, the fall in high street banking as well as the rise in online only banks, and how incumbent banks are meeting the demands of a digital future.

Graph and download economic data for Bank's Return on Assets for Chad (DDEI05TDA156NWDB) from 2001 to 2016 about Chad, ROA, banks, and depository institutions.

Bank return on assets (%, after tax) in Vietnam was reported at 1.4609 % in 2021, according to the World Bank collection of development indicators, compiled from officially recognized sources. Vietnam - Bank return on assets (%, after tax) - actual values, historical data, forecasts and projections were sourced from the World Bank on June of 2025.

Bank return on assets (%, before tax) in Sweden was reported at 0.9452 % in 2021, according to the World Bank collection of development indicators, compiled from officially recognized sources. Sweden - Bank return on assets (%, before tax) - actual values, historical data, forecasts and projections were sourced from the World Bank on July of 2025.

Bank return on assets (%, after tax) in Germany was reported at 0.04534 % in 2021, according to the World Bank collection of development indicators, compiled from officially recognized sources. Germany - Bank return on assets (%, after tax) - actual values, historical data, forecasts and projections were sourced from the World Bank on July of 2025.

In 2021, Egypt's banking industry registered a return on assets (ROA) of 2.36 percent. The country had the highest average ROA in the North African region. Tunisia ranked second, with the banking sector recording a ROA of 1.62 percent. In contrast, Libyan and Moroccan banks had the lowest ROA in the region.

In 2022, Kenya's banking industry registered an increase in return on assets (ROA), measured at 3.7 percent. That meant Kenyan banks generated more earnings from their assets in comparison to 2021, when ROA was at 3.3 percent. Likewise, return on equity in the Kenyan banking sector also improved in 2022.

The profitability of Belgian banks remained stable between 2014 and 2023, reaching a level that was on par with profits from before the financial crisis. As of 2023, the return on assets (ROA) of the Belgian banking industry was 0.88 percent, which was a significant increase compared to 2020. The ROA shows the average per-euro profit banks earned on their assets. It is calculated by dividing a company's net after-tax income by total assets. Financial analysts frequently apply this as a key financial indicator, as banks rely on loans and money flow as their business model. As such, it is said that even a profit of one percent could be a significant number for a bank.

Georgia Commercial Banks: Return on Assets (ROA) data was reported at 4.172 % in Jun 2023. This records an increase from the previous number of 3.904 % for Mar 2023. Georgia Commercial Banks: Return on Assets (ROA) data is updated quarterly, averaging 2.766 % from Mar 2001 (Median) to Jun 2023, with 90 observations. The data reached an all-time high of 5.172 % in Sep 2003 and a record low of -6.879 % in Mar 2020. Georgia Commercial Banks: Return on Assets (ROA) data remains active status in CEIC and is reported by National Bank of Georgia. The data is categorized under Global Database’s Georgia – Table GE.KB015: Financial Soundness Indicators: Commercial Banks.

In 2023, the return on assets (ROA) of the banking industry in Luxembourg reached its peak at 0.71 percent, up from 0.45 percent in the previous year. The ROA is calculated by dividing a company's net income by its total assets. Financial analysts frequently apply this as a key financial indicator, as banks rely on loans and money flow as their business model. As such, it is said that even a profit of one percent could be a significant number for a bank.

In 2022, Morocco's banking industry registered a return on assets (ROA) of 0.7 percent. The average ROA in the country decreased compared to 0.8 percent in the previous year. This meant that Moroccan banks generated less earnings from their assets.

Bank return on assets (%, after tax) in Nigeria was reported at 1.3211 % in 2021, according to the World Bank collection of development indicators, compiled from officially recognized sources. Nigeria - Bank return on assets (%, after tax) - actual values, historical data, forecasts and projections were sourced from the World Bank on June of 2025.

As of December 2024, Hungarian banks led all European countries with the highest return on assets (ROA), followed by Latvia and Bulgaria. In contrast, France and Germany reported the lowest banking sector ROA, both at just *** percent.

Graph and download economic data for Bank's Return on Assets for Turkey (DDEI05TRA156NWDB) from 2000 to 2021 about ROA, Turkey, banks, and depository institutions.

This statistic presents the return on average assets ratio (ROAA) of banks in the United States from 1996 to 2019. ROAA is calculated by dividing net income by average total assets. In 2019, the ROAA for U.S. banks was 1.34 percent.