The U.S. commercial banking industry's return on assets (ROA) has experienced dramatic shifts over two decades. Peaking at **** percent in the first quarter of 2004, it plummeted to a historic low of ***** percent during the fourth quarter of 2008's global financial crisis. After a gradual recovery, the ROA stabilized around ******* 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 **** and **** percent. Early 2025 saw an increase in the sector's ROA, reaching **** percent, the highest since the first quarter of 2023. In contrast, the European banking industry maintained a lower performance, with ROA averaging ******* 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 ** billion U.S. dollars. The average quarterly income of all FDIC-insured institutions grew steadily after the global financial crisis. It experienced a sharp decrease due to the COVID-19 pandemic in the first half of 2008. 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 2024, 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, culminating in an ROA of **** percent in the first quarter of 2025. As of the second quarter of 2025, the ROA has decreased to **** percent.

Graph and download economic data for Bank's Return on Assets for United States (DDEI05USA156NWDB) from 2000 to 2021 about ROA, banks, depository institutions, and USA.

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

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.

India Scheduled Commercial Banks: Return on Assets data was reported at 1.390 % in 2025. This records an increase from the previous number of 1.350 % for 2024. India Scheduled Commercial Banks: Return on Assets data is updated yearly, averaging 1.080 % from Mar 2000 (Median) to 2025, with 26 observations. The data reached an all-time high of 1.390 % in 2025 and a record low of -0.150 % in 2018. India Scheduled Commercial Banks: Return on Assets data remains active status in CEIC and is reported by Reserve Bank of India. The data is categorized under Global Database’s India – Table IN.KBB: Scheduled Commercial Banks: Selected Financial Ratios.

Graph and download economic data for Bank's Return on Assets for France (DDEI05FRA156NWDB) from 2000 to 2021 about ROA, France, banks, and depository institutions.

In 2024, the return on assets (ROA) of the banking industry in Luxembourg reached its peak at 0.78 percent, up from 0.71 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.

The profitability of Belgian banks remained stable between 2014 and 2024, reaching a level that was on par with profits from before the financial crisis. As of 2024, the return on assets (ROA) of the Belgian banking industry was 0.74 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.

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 February of 2026.

Indonesia Bank Industries: Return On Assets (ROA) data was reported at 2.341 % in Jan 2025. This records a decrease from the previous number of 2.690 % for Dec 2024. Indonesia Bank Industries: Return On Assets (ROA) data is updated monthly, averaging 2.475 % from Jan 2014 (Median) to Jan 2025, with 133 observations. The data reached an all-time high of 3.023 % in Jan 2023 and a record low of 1.594 % in Dec 2020. Indonesia Bank Industries: Return On Assets (ROA) data remains active status in CEIC and is reported by Bank Indonesia. The data is categorized under Indonesia Premium Database’s Monetary – Table ID.KAI001: Financial System Statistics: Summary.

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.

Bank of America's return on assets (ROA) has experienced significant fluctuations over the past two decades, reflecting the bank's performance through various economic cycles. In 2024, the ROA stood at **** percent, slightly down from **** percent in the previous year. This metric, which measures how efficiently a bank uses its assets to generate profits, peaked at **** percent in 2018 and hit its lowest point of **** percent in 2011, demonstrating the bank's resilience and recovery from the 2008 financial crisis.

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

Graph and download economic data for Bank's Return on Assets for Serbia (DDEI05RSA156NWDB) from 2000 to 2021 about Serbia, ROA, banks, and depository institutions.

Bank return on assets (%, before tax) in India was reported at 1.162 % in 2021, according to the World Bank collection of development indicators, compiled from officially recognized sources. India - Bank return on assets (%, before tax) - actual values, historical data, forecasts and projections were sourced from the World Bank on March of 2026.

The return on assets (ROA) of the Italian banking industry fluctuated significantly between 2014 and 2025, with an upward trend in recent quarters. The lowest value was recorded in the last quarter of 2016, when the ROA stood at negative *** percent. There was another sharp drop in the ROA in the first quarter of 2020 due to the COVID-19 pandemic. In 2025, the ROA of the Italian banking sector increased significantly and reached *** percent in the first quarter.

Nigeria Banking Sector: Return on Assets data was reported at 3.200 % in Jun 2025. This records a decrease from the previous number of 3.490 % for Dec 2024. Nigeria Banking Sector: Return on Assets data is updated semiannually, averaging 1.290 % from Jun 2008 (Median) to Jun 2025, with 35 observations. The data reached an all-time high of 3.900 % in Dec 2010 and a record low of -8.900 % in Dec 2009. Nigeria Banking Sector: Return on Assets data remains active status in CEIC and is reported by Central Bank of Nigeria. The data is categorized under Global Database’s Nigeria – Table NG.KB: Financial Soundness Indicators: Banking Sector.

Bank return on assets (%, after tax) in United Kingdom was reported at 0.64576 % in 2021, according to the World Bank collection of development indicators, compiled from officially recognized sources. United Kingdom - Bank return on assets (%, after tax) - actual values, historical data, forecasts and projections were sourced from the World Bank on March of 2026.

Graph and download economic data for Bank's Return on Assets for Slovenia (DDEI05SIA156NWDB) from 2000 to 2021 about ROA, Slovenia, banks, and depository institutions.

Bank return on assets (%, before tax) in Qatar was reported at 1.3199 % in 2021, according to the World Bank collection of development indicators, compiled from officially recognized sources. Qatar - Bank return on assets (%, before tax) - actual values, historical data, forecasts and projections were sourced from the World Bank on March of 2026.