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edits
European Banking Industry: Difference between revisions
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=== Unrealized Loses === | |||
In Europe, banks have a smaller proportion of debt securities where the marked to market is not reflected in capital ratios. | |||
* These securities are accounted for in their Amortised Cost (AC) portfolio and according to EBA data, range on average from 18% of total assets (mostly Italian banks) to close to 0% (banks in Finland, Sweden and the Netherlands) at end-June 2022 | |||
EU Banks’ Deposits are Less Concentrated in Corporate Deposits | |||
* EU banks have larger loan books (55% of assets vs. 35% in the case of SVB) and these are already repricing (given a large proportion are variable rate loans). | |||
* Excluding central bank funding, corporate deposits as a share of total funding in Europe averages between 8% to 30% by country in the selected sample. For SVB, corporate deposits represented around 90% of total funding. | |||
== References == | == References == | ||