Throughout 2024 and into early 2025, U.S. banks consistently maintained a strong return on equity, surpassing ** percent each quarter. In the first quarter of 2025, ROE reached ***** percent, signaling continued recovery from past economic disruptions. This performance underscores the resilience of the banking sector during challenging periods - ranging from the 2007–2008 financial crisis to the COVID-19 pandemic - and highlights the industry's ability to adapt to economic volatility and evolving regulatory landscapes.

The return on equity (ROE) of European banking sectors showed significant disparities in the first quarter of 2025, with Poland leading at **** percent and Belgium trailing at *** percent. This wide range reflects the diverse financial landscapes across the continent, influenced by factors such as market conditions, regulatory environments, and economic stability. While ROE is a crucial indicator of banking efficiency, it's important to consider it alongside other metrics for a comprehensive view of the industry's health. Digital transformation reshaping European banking The banking sector in Europe is undergoing a digital revolution, with online banking penetration reaching impressive levels. In 2024, Denmark lead with a ***** percent penetration rate, closely followed by Norway at **** percent. This shift towards digital banking is not only changing how traditional banks operate but also paving the way for the rise of digital-only banks. Neobanks like Revolut have seen rapid growth, with the UK-based fintech reaching ** million users by November 2024, highlighting the increasing consumer preference for digital financial services. Consolidation and asset growth in European banking Despite the high number of banks operating in Europe, with ***** institutions in the EU as of December 2024, the industry is dominated by a few large players. In 2023, HSBC Holdings lead European banks with total assets exceeding *** trillion U.S. dollars in 2023, followed closely by BNP Paribas SA with over *** trillion U.S. dollars. This concentration of assets among top banks, coupled with the ongoing digital transformation, suggests a trend towards consolidation in the European banking sector, potentially impacting future ROE figures across the continent.

Bank return on equity (%, after tax) in United States was reported at 12.52 % in 2021, according to the World Bank collection of development indicators, compiled from officially recognized sources. United States - Bank return on equity (%, after tax) - actual values, historical data, forecasts and projections were sourced from the World Bank on September of 2025.

United States FDIC Commercial Banks: Return on Equity data was reported at 11.147 % in Dec 2024. This records an increase from the previous number of 11.044 % for Sep 2024. United States FDIC Commercial Banks: Return on Equity data is updated quarterly, averaging 10.377 % from Dec 2001 (Median) to Dec 2024, with 93 observations. The data reached an all-time high of 15.530 % in Dec 2003 and a record low of -10.150 % in Dec 2008. United States FDIC Commercial Banks: Return on Equity data remains active status in CEIC and is reported by Federal Deposit Insurance Corporation. The data is categorized under Global Database’s United States – Table US.KB: Performance and Condition Ratios.

Graph and download economic data for Bank's Return on Equity for Indonesia (DDEI06IDA156NWDB) from 2000 to 2021 about ROE, Indonesia, banks, and depository institutions.

In the first quarter of 2025, JPMorgan Chase led the largest U.S. banks in terms of return on equity (ROE), reporting an impressive ***** percent. Morgan Stanley secured the second position with a ROE of ***** percent. Goldman Sachs followed in the ranking, with a ROE of ***** percent.

Graph and download economic data for Bank's Return on Equity for Oman (DDEI06OMA156NWDB) from 2000 to 2021 about Oman, ROE, banks, and depository institutions.

Georgia Commercial Banks: Return on Equity (ROE) data was reported at 31.217 % in Jun 2023. This records an increase from the previous number of 29.384 % for Mar 2023. Georgia Commercial Banks: Return on Equity (ROE) data is updated quarterly, averaging 15.967 % from Mar 2001 (Median) to Jun 2023, with 90 observations. The data reached an all-time high of 37.331 % in Sep 2021 and a record low of -64.423 % in Mar 2020. Georgia Commercial Banks: Return on Equity (ROE) 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.

Graph and download economic data for Return on Average Equity for U.S. Banks with average assets under $1B (DISCONTINUED) (US1ROE) from Q1 1984 to Q3 2020 about ROE, assets, banks, depository institutions, and USA.

The European Union's banking industry experienced significant fluctuations in its return on equity (ROE) over the past two decades. After a sharp decline in 2020 due to the COVID-19 pandemic, the sector witnessed a remarkable recovery and growth. The ROE rebounded from a low of 2.31 percent in 2020 to 6.77 percent in 2021, followed by a further increase to 7.3 percent in 2022. By 2024, the ROE reached an impressive 9.34 percent, marking the highest level since 2007.

Bank return on equity (%, before tax) in Nigeria was reported at 12.63 % in 2021, according to the World Bank collection of development indicators, compiled from officially recognized sources. Nigeria - Bank return on equity (%, before tax) - actual values, historical data, forecasts and projections were sourced from the World Bank on September of 2025.

Serbia Banking Sector: Return on Equity (ROE) Ratio data was reported at 20.319 % in Dec 2024. This records a decrease from the previous number of 22.378 % for Sep 2024. Serbia Banking Sector: Return on Equity (ROE) Ratio data is updated quarterly, averaging 7.763 % from Dec 2004 (Median) to Dec 2024, with 81 observations. The data reached an all-time high of 22.689 % in Jun 2024 and a record low of -5.500 % in Jun 2006. Serbia Banking Sector: Return on Equity (ROE) Ratio data remains active status in CEIC and is reported by National Bank of Serbia. The data is categorized under Global Database’s Serbia – Table RS.KB011: Banking Sector Performance Indicators.

Graph and download economic data for Bank's Return on Equity for Kenya (DDEI06KEA156NWDB) from 2000 to 2021 about ROE, Kenya, banks, and depository institutions.

Bank return on equity (%, before tax) in United Kingdom was reported at 8.4247 % in 2021, according to the World Bank collection of development indicators, compiled from officially recognized sources. United Kingdom - Bank return on equity (%, before tax) - actual values, historical data, forecasts and projections were sourced from the World Bank on October of 2025.

Bank return on equity (%, after tax) in Czech Republic was reported at 9.0424 % in 2021, according to the World Bank collection of development indicators, compiled from officially recognized sources. Czech Republic - Bank return on equity (%, after tax) - actual values, historical data, forecasts and projections were sourced from the World Bank on October of 2025.

India Scheduled Commercial Banks: Private Sector Banks: Return on Equity data was reported at 15.830 % in 2024. This records an increase from the previous number of 13.740 % for 2023. India Scheduled Commercial Banks: Private Sector Banks: Return on Equity data is updated yearly, averaging 13.700 % from Mar 2000 (Median) to 2024, with 25 observations. The data reached an all-time high of 17.180 % in 2000 and a record low of 3.300 % in 2020. India Scheduled Commercial Banks: Private Sector Banks: Return on Equity data remains active status in CEIC and is reported by Reserve Bank of India. The data is categorized under India Premium Database’s Banking Sector – Table IN.KBB023: Scheduled Commercial Banks: Selected Financial Ratios: Private Sector Banks.

Graph and download economic data for Bank's Return on Equity for Bangladesh (DDEI06BDA156NWDB) from 2000 to 2021 about ROE, Bangladesh, banks, and depository institutions.

Graph and download economic data for Bank's Return on Equity for France (DDEI06FRA156NWDB) from 2000 to 2021 about ROE, France, banks, and depository institutions.

Among the largest European banks, NatWest Group recorded the highest return on equity (ROE) in 2024 at 17.5 percent, followed by Banco Santander at 16.3 percent. Crédit Agricole ranked third with a ROE of 14 percent. At the country level, the largest European economies like Germany and France continued to exhibit weak profitability in its banking sector, with returns on equity remaining well below the European average.

Bank return on equity (%, after tax) in Sweden was reported at 11.03 % in 2021, according to the World Bank collection of development indicators, compiled from officially recognized sources. Sweden - Bank return on equity (%, after tax) - actual values, historical data, forecasts and projections were sourced from the World Bank on September of 2025.