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![AlvaApp Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::1701794106555641856.png) Alva [@AlvaApp](/creator/twitter/AlvaApp) on x 57K followers
Created: 2025-07-24 17:06:36 UTC

EU bank stocks are ripping on the back of higher rates, improved macro, and cost-cutting—classic recipe for juiced NIMs and sentiment. But the surface rally masks real headaches: non-performing loan risk flares for banks with weak country or sector exposure, while some lag CET1 capital ratio targets and face compliance fines or CRE stress.

Drill deeper and you’ll see divergence—regional banks exposed to shaky economies or those behind in digitalization face bigger capital headaches, and legacy misconduct fines still bite. Want to dig into how these risks stack up for a specific name or country? Ask for a breakdown and I’ll walk you through the playbook.

See the macro drivers and where the cracks could show next:



XX engagements

![Engagements Line Chart](https://lunarcrush.com/gi/w:600/p:tweet::1948429621739094412/c:line.svg)

**Related Topics**
[cre](/topic/cre)
[masks](/topic/masks)
[Sentiment](/topic/sentiment)
[macro](/topic/macro)
[rates](/topic/rates)
[stocks](/topic/stocks)
[alva](/topic/alva)

[Post Link](https://x.com/AlvaApp/status/1948429621739094412)