3,882
edits
European Banking Industry: Difference between revisions
→2023 Banking Health
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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 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. | 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.U2.2250.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" | {| class="wikitable" | ||
| | | | ||
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|10.11 | |10.11 | ||
| -83.59 | | -83.59 | ||
|} | |||
Overnight deposits correspond to 60% of total household deposits, and 83% for total corporate. Flows as expected have been more negative, especially in corporate accounts.This could be a combinations of deposits leaving the system, and changing to timed deposit,s since deposits with shorter maturities have had huge growth for both households and corporate in recent months. | |||
{| class="wikitable" | |||
|'''Overnight Deposits''' | |||
| colspan="2" |'''Balance (Trillions)''' | |||
| colspan="2" |'''Growth Rates''' | |||
| colspan="2" |'''Flows (Billions)''' | |||
|- | |||
|'''Date''' | |||
|'''Households''' | |||
|'''Corporate''' | |||
|'''Households''' | |||
|'''Corporate''' | |||
|'''Households''' | |||
|'''Corporate ''' | |||
|- | |||
|2023-02 | |||
| 5.44 | |||
| 2.60 | |||
|0.27 | |||
| -7.00 | |||
| (46.16) | |||
| (45.80) | |||
|- | |||
|2023-01 | |||
| 5.48 | |||
| 2.65 | |||
|1.81 | |||
| -4.84 | |||
| (80.54) | |||
| (152.66) | |||
|- | |||
|2022-12 | |||
| 5.53 | |||
| 2.79 | |||
|3.41 | |||
| -2.32 | |||
| 33.99 | |||
| 5.54 | |||
|- | |||
|2022-11 | |||
| 5.50 | |||
| 2.78 | |||
|4.10 | |||
| -0.64 | |||
| (27.99) | |||
| (19.40) | |||
|- | |||
|2022-10 | |||
| 5.53 | |||
| 2.81 | |||
|4.66 | |||
|1.17 | |||
| (24.31) | |||
| (29.46) | |||
|- | |||
|2022-09 | |||
| 5.55 | |||
| 2.84 | |||
|5.74 | |||
|3.46 | |||
| 7.42 | |||
| (67.05) | |||
|- | |||
|2022-08 | |||
| 5.54 | |||
| 2.91 | |||
|5.94 | |||
|6.82 | |||
| (24.79) | |||
| 41.13 | |||
|- | |||
|2022-07 | |||
| 5.57 | |||
| 2.86 | |||
|6.29 | |||
|5.83 | |||
| 55.36 | |||
| 17.52 | |||
|- | |||
|2022-06 | |||
| 5.51 | |||
| 2.84 | |||
|6.23 | |||
|6.55 | |||
| 28.76 | |||
| 1.47 | |||
|- | |||
|2022-05 | |||
| 5.48 | |||
| 2.84 | |||
|6.68 | |||
|8.09 | |||
| 10.79 | |||
| 15.60 | |||
|- | |||
|2022-04 | |||
| 5.47 | |||
| 2.82 | |||
|7.25 | |||
|8.90 | |||
| 60.58 | |||
| (6.23) | |||
|- | |||
|2022-03 | |||
| 5.41 | |||
| 2.82 | |||
|7.20 | |||
|8.66 | |||
| 20.90 | |||
| 43.97 | |||
|- | |||
|2022-02 | |||
| 5.39 | |||
| 2.77 | |||
|7.28 | |||
|9.52 | |||
| 36.63 | |||
| 15.14 | |||
|- | |||
|2022-01 | |||
| 5.35 | |||
| 2.76 | |||
|7.62 | |||
|9.16 | |||
| 5.07 | |||
| (84.52) | |||
|} | |} | ||