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European Banking Industry: Difference between revisions

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European Banking Industry (view source)

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== 2023 Banking Health ==
 
=== Deposits ===
In Europe, all deposits up to €100 000 are protected through national DGS all over the EU.<ref>https://finance.ec.europa.eu/banking-and-banking-union/banking-union/european-deposit-insurance-scheme_en</ref>
 
As of February 2023, yearly growth rate of deposits  in European banks was still positive. This is diferent from the negative growth the US was already seeing since last year<ref>https://fred.stlouisfed.org/series/DPSACBW027SBOG</ref>. Hovewer flows have gotten negative in recent months. Data ffrom march still not available.<ref>https://www.euro-area-statistics.org/banks-balance-sheet-deposits?cr=eur&lg=en&page=0&charts=M..N.A.L20.A.1.U2.2240.Z01.E+M..N.A.L21.A.1.U2.2250.Z01.E+M..N.A.L22.L.1.U2.2250.Z01.E&template=1</ref>
{| class="wikitable"
|
| colspan="2" |'''Balance (Trillions)'''
| colspan="2" |'''Growth Rates'''
| colspan="2" |'''Flows (Billions)'''
|-
|'''Date'''
|'''Households'''
|'''Corporate'''
|'''Households'''
|'''Corporate'''
|'''Households'''
|'''Corporate  '''
|-
|2023-02
|9.05
|3.43
|2.17
|2.59
| -11.31
| -13.47
|-
|2023-01
|9.06
|3.44
|2.74
|3.27
| -36.81
| -121.24
|-
|2022-12
|9.06
|3.55
|3.27
|4.29
|85.87
|23.76
|-
|2022-11
|8.97
|3.53
|3.22
|5.21
| -7.29
|17.89
|-
|2022-10
|8.98
|3.52
|3.21
|5.57
| -13.51
|31.2
|-
|2022-09
|9.00
|3.49
|3.64
|5.92
|13.43
| -20.47
|-
|2022-08
|8.98
|3.51
|3.59
|7.45
| -16.55
|71.04
|-
|2022-07
|9.00
|3.44
|3.66
|5.8
|60.37
|34.45
|-
|2022-06
|8.93
|3.40
|3.48
|5.69
|26.63
|14.33
|-
|2022-05
|8.91
|3.38
|3.71
|6.31
|14.63
|1.44
|-
|2022-04
|8.89
|3.38
|4.04
|7.17
|57.39
| -6.59
|-
|2022-03
|8.83
|3.38
|4.05
|6.56
|18.2
|54.19
|-
|2022-02
|8.82
|3.31
|4.17
|7.38
|37.83
|8.9
|-
|2022-01
|8.78
|3.31
|4.39
|7.07
|10.11
| -83.59
|}
 
=== Loan to Deposit Ratio ===
Loan to deposit ratios are lower compare to historical records. In 2008, loan to deposit ratios were around 140 for the whole EU. <ref>https://www.euro-area-statistics.org/banks-balance-sheet-deposits?cr=eur&lg=en&page=3&template=1</ref>
{| class="wikitable"
|'''Country'''
|'''2022-Q3'''
|'''2022-Q2'''
|'''2022-Q1'''
|'''2021-Q4'''
|'''2021-Q3'''
|'''2021-Q2'''
|'''2021-Q1'''
|-
|Austria
|111.6
|110.8
|108.5
|107.0
|106.6
|104.8
|105.0
|-
|Belgium
|74.9
|74.4
|73.9
|72.9
|73.5
|72.8
|73.2
|-
|Cyprus
|60.0
|61.7
|61.3
|63.7
|64.2
|65.0
|70.4
|-
|Germany
|98.6
|98.3
|97.4
|97.5
|95.8
|95.4
|95.8
|-
|Estonia
|85.2
|83.9
|82.0
|80.5
|80.3
|85.3
|84.5
|-
|Spain
|91.9
|92.5
|92.6
|93.6
|94.9
|96.0
|97.0
|-
|Finland
|143.2
|146.0
|147.2
|146.4
|142.1
|145.6
|148.5
|-
|France
|102.4
|101.7
|100.6
|100.4
|99.9
|100.7
|101.0
|-
|Greece
|60.8
|61.3
|61.2
|60.8
|68.8
|76.3
|83.7
|-
|Ireland
|97.0
|100.6
|97.8
|89.8
|86.1
|95.4
|92.6
|-
|Italy
|80.7
|80.1
|80.1
|79.2
|80.6
|81.8
|82.8
|-
|Lithuania
|63.5
|71.4
|70.8
|66.9
|67.2
|66.4
|66.7
|-
|Luxembourg
|101.8
|100.9
|100.2
|102.2
|103.6
|105.4
|104.8
|-
|Latvia
|64.2
|62.2
|61.9
|63.0
|65.2
|63.0
|64.8
|-
|Malta
|74.0
|73.4
|73.6
|74.1
|75.1
|76.6
|77.8
|-
|Netherlands
|98.7
|99.3
|99.5
|100.6
|101.7
|102.7
|104.8
|-
|Portugal
|80.3
|80.6
|81.4
|82.2
|84.3
|84.4
|85.7
|-
|Slovenia
|69.1
|68.4
|67.9
|66.1
|65.6
|65.5
|66.2
|-
|Slovakia
|117.0
|115.6
|112.1
|107.0
|108.9
|105.9
|105.1
|-
|Euro area
|95.4
|95.2
|94.7
|94.4
|94.4
|95.0
|95.7
|}
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