Asset encumbrance ratio of banks in Europe Q1 2023, by country
As of March 2023, the EU had an average asset encumbrance ratio of 26.5 percent. The highest ratio was recorded in Denmark at 50.2 percent, followed by Germany, France, and Italy. The European Banking Authority (EBA), who have been tracking asset encumbrance since 2015, define asset encumbrance ratio as equal to the encumbered assets of an institution and the collateral received by the institution and reused.
