The EBA's Q4 2024 Risk Dashboard shows EU/EEA banks maintaining strong performance. Return on equity rose to 10.5%, and return on assets reached 0.73%. Net interest margin declined slightly, but total income grew due to higher net fee and commission income. Loans to households and businesses increased, while cash balances fell. Non‑performing loans decreased, except for commercial real estate. The CET1 ratio remained at 16.0%, reflecting strong capitalization. Liquidity and funding ratios stayed well above requirements. The loan‑to‑deposit ratio declined as deposits grew faster than loans. Overall, the banking sector remained stable and resilient.