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Bank Lending: Europe: Difference between revisions
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!Total Loans | !Total Loans | ||
! colspan="2" |Balance (Trillions) | ! colspan="2" |Balance (Trillions) | ||
! colspan="2" |Growth Rates | ! colspan="2" |Growth Rates Y/Y | ||
! colspan="2" |Flows (Billions)<ref>https://www.euro-area-statistics.org/banks-balance-sheet-loans?cr=eur&lg=en&page=1&template=1</ref> | ! colspan="2" |Flows (Billions)<ref>https://www.euro-area-statistics.org/banks-balance-sheet-loans?cr=eur&lg=en&page=1&template=1</ref> | ||
|- | |- | ||
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!Corporate | !Corporate | ||
|- | |- | ||
|2023 | |10/31/2023 | ||
|6 | |6,870 | ||
|5 | |5,126 | ||
| | |0.60 | ||
| | | -0.30 | ||
| | |404 | ||
| | |8,452 | ||
|- | |- | ||
|2023 | |9/30/2023 | ||
|6 | |6,871 | ||
|5 | |5,121 | ||
| | |0.80 | ||
| | |0.20 | ||
| | |5,732 | ||
| - | | -2,763 | ||
|- | |- | ||
| | |8/31/2023 | ||
|6 | |6,867 | ||
|5 | |5,124 | ||
| | |1.00 | ||
| | |0.70 | ||
| - | | -4,129 | ||
| - | | -37,410 | ||
|- | |- | ||
| | |7/31/2023 | ||
|6 | |6,871 | ||
|5 | |5,163 | ||
| | |1.30 | ||
| | |2.20 | ||
| | | -4,955 | ||
| | |12,906 | ||
|- | |- | ||
| | |6/30/2023 | ||
|6 | |6,877 | ||
|5 | |5,152 | ||
| | |1.70 | ||
| | |3.00 | ||
| | |20,053 | ||
| | |772 | ||
|- | |- | ||
| | |5/31/2023 | ||
|6 | |6,859 | ||
|5 | |5,153 | ||
| | |2.00 | ||
| | |4.00 | ||
| | |2,502 | ||
| | | -1,998 | ||
|- | |- | ||
| | |4/30/2023 | ||
|6 | |6,854 | ||
|5 | |5,152 | ||
| | |2.50 | ||
| | |4.70 | ||
| | |1,103 | ||
| | |7,100 | ||
|- | |- | ||
| | |3/31/2023 | ||
|6 | |6,855 | ||
|5 | |5,148 | ||
| | |2.90 | ||
| | |5.30 | ||
| | |10,919 | ||
| | |15,714 | ||
|- | |- | ||
| | |2/28/2023 | ||
|6 | |6,847 | ||
|5 | |5,143 | ||
| | |3.20 | ||
|5. | |5.70 | ||
| | | -2,825 | ||
| | | 85 | ||
|- | |- | ||
| | |1/31/2023 | ||
|6 | |6,851 | ||
| | |5,143 | ||
| | |3.60 | ||
| | |6.10 | ||
| | | -9,369 | ||
| | | -1,967 | ||
|- | |- | ||
|2022 | |12/31/2022 | ||
|6 | |6,839 | ||
| | |5,128 | ||
| | |3.80 | ||
| | |6.40 | ||
| | | -1,297 | ||
| | | -25,901 | ||
|- | |- | ||
|2022 | |11/30/2022 | ||
|6 | |6,845 | ||
| | |5,166 | ||
|4. | |4.10 | ||
| | |8.30 | ||
| | |24,431 | ||
| | |9,640 | ||
|- | |- | ||
|2022 | |10/31/2022 | ||
|6 | |6,825 | ||
| | |5,159 | ||
|4. | |4.20 | ||
| | |8.90 | ||
| | |13,055 | ||
| | |33,715 | ||
|- | |- | ||
|2022- | |9/30/2022 | ||
|6. | |6,813 | ||
|4. | |5,132 | ||
|4.43 | |4.40 | ||
|3. | |8.90 | ||
| | |20,587 | ||
| | |21,997 | ||
|- | |||
|8/31/2022 | |||
|6,793 | |||
|5,108 | |||
|4.50 | |||
|8.80 | |||
|13,253 | |||
|40,756 | |||
|- | |||
|7/31/2022 | |||
|6,781 | |||
|5,069 | |||
|4.50 | |||
|7.60 | |||
|21,655 | |||
|52,666 | |||
|- | |||
|6/30/2022 | |||
|6,757 | |||
|5,014 | |||
|4.60 | |||
|6.90 | |||
|43,581 | |||
|47,744 | |||
|- | |||
|5/31/2022 | |||
|6,716 | |||
|4,971 | |||
|4.60 | |||
|6.00 | |||
|32,258 | |||
|28,986 | |||
|- | |||
|4/30/2022 | |||
|6,686 | |||
|4,940 | |||
|4.60 | |||
|5.40 | |||
|24,164 | |||
|34,248 | |||
|- | |||
|3/31/2022 | |||
|6,661 | |||
|4,902 | |||
|4.50 | |||
|4.30 | |||
|33,067 | |||
|36,903 | |||
|- | |||
|2/28/2022 | |||
|6,629 | |||
|4,865 | |||
|4.40 | |||
|4.60 | |||
|19,535 | |||
|17,432 | |||
|- | |||
|1/31/2022 | |||
|6,611 | |||
|4,855 | |||
|4.30 | |||
|4.50 | |||
|5,438 | |||
|9,859 | |||
|} | |} | ||
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* The banks cut their lending to eurozone businesses by 3 billion euros in February, equivalent to $3.23 billion, while the increase in lending compared with a year earlier slowed to 4.9% from 5.3% in January. | * The banks cut their lending to eurozone businesses by 3 billion euros in February, equivalent to $3.23 billion, while the increase in lending compared with a year earlier slowed to 4.9% from 5.3% in January. | ||
* There was also a slowdown in lending to households.<ref>https://www.wsj.com/articles/eurozone-banks-cut-lending-even-before-latest-financial-turmoil-75aacc15</ref> | * There was also a slowdown in lending to households.<ref>https://www.wsj.com/articles/eurozone-banks-cut-lending-even-before-latest-financial-turmoil-75aacc15</ref> | ||
=== September 2023 === | |||
* In September 2023 the growth rate of loans to households in the euro area for house purchase was 0.83%. The average interest rate on these loans was 3.93%. Ten years before, September 2013, the average interest rate was 3.06%.<ref>https://www.euro-area-statistics.org/digital-publication/statistics-insights-money-credit-and-central-bank-interest-rates/bloc-2a.html</ref> | |||
* In September 2023 the annual growth rate of all loans to companies in the euro area was 0.2% and the total volume of loans granted to companies was € 5 118 billions. The average interest rate was 5.09% in September 2023.<ref>https://www.euro-area-statistics.org/digital-publication/statistics-insights-money-credit-and-central-bank-interest-rates/bloc-2b.html?lang=en</ref> | |||
== Bank lending survey == | == Bank lending survey == | ||