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 Return on Average Assets for all U.S. Banks (DISCONTINUED) (USROA) from Q1 1984 to Q3 2020 about ROA, banks, depository institutions, and USA.

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 in 2021, so did the ROA of the banking industry, which stood at 0.46 percent at the end of the year. In 2023, the ROA of the EU banking industry remained relatively high, at 0.68 percent.

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.

Indonesia Commercial Banks: Return On Asset (ROA) data was reported at 2.435 % in Feb 2025. This records an increase from the previous number of 2.361 % for Jan 2025. Indonesia Commercial Banks: Return On Asset (ROA) data is updated monthly, averaging 2.607 % from Jan 2003 (Median) to Feb 2025, with 266 observations. The data reached an all-time high of 3.703 % in Jan 2012 and a record low of 1.270 % in Jan 2006. Indonesia Commercial Banks: Return On Asset (ROA) data remains active status in CEIC and is reported by Indonesia Financial Services Authority. The data is categorized under Global Database’s Indonesia – Table ID.KBE013: Bank Performance: Commercial Bank. [COVID-19-IMPACT]

In the first half of 2024, JPMorgan Chase topped the list of the 15 largest U.S. banks in terms of return on assets (ROA), achieving a robust 1.3 percent. Fifth Third Bank secured the second position with a ROA of 1.01 percent. At the other end of the spectrum, Truist Bank reported the lowest ROA among this group, with a negative 0.41 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 30 basis points and outperforming Truist Bank by over 170 basis points.

Graph and download economic data for Bank's Return on Assets for Pakistan (DDEI05PKA156NWDB) from 2000 to 2021 about ROA, Pakistan, banks, and depository institutions.

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.

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.

As of the 2nd quarter of 2024, the return on assets (ROA) of the banking industry in Malaysia was at 1.3 percent. This was a slight increase compared to the ROA in the previous quarter. The ROA is a measure to indicate profitability in relation to total assets.

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 0.4 percent.

Bank Of America return on assets for the quarter ending March 31, 2025 was 0.8. Bank Of America average return on assets for 2024 was 0.72, a 17.24% increase from 2023. Bank Of America average return on assets for 2023 was 0.87, a 1.16% decline from 2022. Bank Of America average return on assets for 2022 was 0.86, a 4.44% increase from 2021. Roa - return on assets can be defined as an indicator of how profitable a company is relative to its total assets. Calculated by dividing a company's operating earnings by its total assets.

India Scheduled Commercial Banks: Return on Assets data was reported at 1.350 % in 2024. This records an increase from the previous number of 1.140 % for 2023. India Scheduled Commercial Banks: Return on Assets data is updated yearly, averaging 1.010 % from Mar 2000 (Median) to 2024, with 25 observations. The data reached an all-time high of 1.350 % in 2024 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.KBB021: Scheduled Commercial Banks: Selected Financial Ratios.

Graph and download economic data for Bank's Return on Assets for China (DDEI05CNA156NWDB) from 2000 to 2021 about ROA, China, banks, and depository institutions.

Bank's Return on Assets for United States was 1.26% in January of 2021, according to the United States Federal Reserve. Historically, Bank's Return on Assets for United States reached a record high of 1.41 in January of 1999 and a record low of 0.10 in January of 2008. Trading Economics provides the current actual value, an historical data chart and related indicators for Bank's Return on Assets for United States - last updated from the United States Federal Reserve on June of 2025.

The return on assets (ROA) of the banking industry in Germany showed fluctuations over the years between 2014 and 2024 primarily hovering between 0.1 percent and 0.4 percent, with occasional drops and hikes. The largest drop in the ROA took place in the first quarter of 2020, due to the COVID-19 pandemic that resulted in poor financial performance. The ROA stabilized after the first quarter of 2020, reaching 0.3 percent a year later and around 0.4 percent in the fourth quarter of 2024.

Indonesia Bank Industries: Return On Assets (ROA) data was reported at 2.690 % in Dec 2024. This records a decrease from the previous number of 2.694 % for Nov 2024. Indonesia Bank Industries: Return On Assets (ROA) data is updated monthly, averaging 2.475 % from Jan 2014 (Median) to Dec 2024, with 132 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.

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 (%, before tax) in Jordan was reported at 1.154 % in 2021, according to the World Bank collection of development indicators, compiled from officially recognized sources. Jordan - Bank return on assets (%, before 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 June of 2025.