Banking in Europe: EBF Facts & Figures 2019 The data contained in this publication has been compiled from publicly available information released by the European Central Bank, European Commission, Eurostat, the European Banking Authority, national competent authorities and members of the European Banking Federation. Unless otherwise noted, all graphs and tables have been produced to illustrate the figures mentioned in the relevant chapters. Due to rounding, figures presented in the charts throughout this document may not sum. The projections presented in chapter one have been compiled from the EBF Spring 2019 Economic Outlook, a bi- annual report prepared by the European Banking Federation’s Chief Economists’ Group. European Commission data for previous years Figures provided in the country-by-country overview may not match those presented in the statistical annex due to the sources used i.e. National Central Banks and European Central Bank. Contents Banking in Europe: EBF Facts & Figures 2019 ............................................................................................... 1 Chapter 1 ...................................................................................................................................................... 5 The wider economy ...................................................................................................................................... 5 Chapter 2 .................................................................................................................................................... 10 Structure and economic contribution of the banking sector ..................................................................... 10 Number of credit institutions ..................................................................................................................... 10 Branches and subsidiaries ........................................................................................................................... 11 Bank staff .................................................................................................................................................... 13 Economic contribution ................................................................................................................................ 16 Chapter 3 .................................................................................................................................................... 18 Supporting customers ................................................................................................................................. 18 General trends ............................................................................................................................................ 18 Deposits ...................................................................................................................................................... 18 Loans ........................................................................................................................................................... 19 Bank Lending Survey ................................................................................................................................... 22 The Role of Banks: lending and payments .................................................................................................. 22 Chapter 4 .................................................................................................................................................... 25 Banking sector performance ....................................................................................................................... 25 Bank capital ................................................................................................................................................. 25 Bank funding ............................................................................................................................................... 26 Assets .......................................................................................................................................................... 26 Bank profitability ......................................................................................................................................... 27 Chapter 5 .................................................................................................................................................... 29 Country-by-country overview ..................................................................................................................... 29 Austria ......................................................................................................................................................... 29 Belgium ....................................................................................................................................................... 31 Bulgaria ....................................................................................................................................................... 33 Croatia ......................................................................................................................................................... 35 Cyprus ......................................................................................................................................................... 37 Czech Republic ............................................................................................................................................ 39 Denmark ...................................................................................................................................................... 41 2 | P a g e Estonia ......................................................................................................................................................... 43 Finland ......................................................................................................................................................... 45 France.......................................................................................................................................................... 47 Germany ...................................................................................................................................................... 49 Greece ......................................................................................................................................................... 51 Hungary ....................................................................................................................................................... 52 Iceland ......................................................................................................................................................... 54 Ireland ......................................................................................................................................................... 56 Italy ............................................................................................................................................................. 58 Latvia ........................................................................................................................................................... 60 Liechtenstein ............................................................................................................................................... 62 Lithuania ..................................................................................................................................................... 64 Luxembourg ................................................................................................................................................ 65 Malta ........................................................................................................................................................... 67 The Netherlands .......................................................................................................................................... 69 Norway ........................................................................................................................................................ 71 Poland ......................................................................................................................................................... 73 Portugal ....................................................................................................................................................... 75 Romania ...................................................................................................................................................... 77 Slovakia ....................................................................................................................................................... 79 Slovenia ....................................................................................................................................................... 81 Spain ............................................................................................................................................................ 83 Sweden .......................................................................................................................................................