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E U R O P E A N B A N K I N G A U T H O R I T Y

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Figure 49: Encumbrance of assets — medians by country and by size class; banks by size class according to their average total assets 47 Figure 50: Evolution of the ECB’s monetary policy and operations and LTRO volumes 48 Figure 51: Evolution of the CET1 ratio 49 Figure 52: Evolution of CET1 capital and RWAs - numerator and denominator trends 50 Figure 53: CET1 ratio –5th and 95th percentiles, interquartile range and median; and medians by country 50 Figure 54: Tier1 ratio — 5th and 95th percentiles, interquartile range and median 51 Figure 55: Tier1 ratio by size class 51 Figure 56: CET1 capital and main components for KRI banks (billion EUR) 52 Figure 57: Total cumulative issuance of CoCos by EU banks (billion EUR) 52 Figure 58: Planned issuance of AT1 instruments 52 Figure 59: Comparison of RoE and CET1 ratio (weighted average, per mid‑year) 54 Figure 60: Evolution of the different components incomes and expenses com- pared to total operating income (TOI) 55 Figure 61: Return on equity — 5th and 95th percentiles, interquartile range and median, and by size class 55 Figure 62: RoE by bucket and percentage of banks’ total assets 56 Figure 63: RoE and RoA — comparison 56 Figure 64: RoE country dispersion as of June 2015 and impairments on financial assets to TOI: evolution of numerator and denominator 57 Figure 65: RoE — 50th and 75th percentiles and comparison with RAQ for banks 57 Figure 66: CoE and RoE (banks’ RAQ) 58 Figure 67: CoE for EU Member States 58 Figure 68: Net interest income to total operating income — 5th and 95th per- centiles, interquartile range and median; numerator and denominator trends (December 2009 = 100) 59 Figure 69: Evolution of specific allowances for loans (billion EUR); impairments on financial assets to total operating income — country dispersion as of June 2015 60 Figure 70: Evolution of profitability in the next months and main drivers 60 Figure 71: RoE (left) and RoA (right) — comparison between EA Group 1 and Group 2 banks and NEA banks 61 Figure 72: Relevance of the different sources of revenues and expenses compared to total operating income — comparison between EA Group 1 and Group 2 banks and NEA banks 62