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European Banking Industry: Difference between revisions
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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> | 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 | 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 from 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> | ||
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=== Loan to Deposit Ratio === | === 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> | Loan-to-deposit ratios in percentage 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> | ||
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|'''Country''' | |'''Country''' | ||