歐盟銀行貸款行業(yè)市場前景及投資研究報告-培訓(xùn)課件外文版2024.4

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MARKETSBankloansintheEuropeanUnionCHAPTER

01OverviewValueofloansandadvancestohouseholdsandnon-financialcorporationsbybanksintheEuropeanEconomicAreafrom2020to2022,bytype(inbillioneuros)ValueofhouseholdandbusinessloansbyEuropeanbanks2020-2022,bytype2020202120224,5004,0003,5003,0002,5002,0001,5001,0005004,2194,0763,8593,6683,3483,2242,4712,4162,3522,3052,2552,2160MortgagesLoanstohouseholdsexceptmortgages*LoanstoSMEsLoanstonon-financialcorporationsexceptSMEs*3Description:TheaggregatedvalueofmortgagesintheEuropeanUnion,NorwayandIcelandwashigherthananyothertypeofhouseholdorbusinessloansin2021.AsofDecemberofthatyear,mortgagesbyEuropeanbanksamountedtooverfourtrillioneuros.Meanwhile,allotherloanstohouseholdsamountedto2.3trillioneuros.Meanwhile,thevalueofloanstosmallandmediumenterpriseswaslowerthanloanstoothertypesofnon-financialcorporations.

ReadmoreNote(s):Europe,EU;2020to2022;ThesourceincludesdatafromtheEU-27,Iceland,andNorway.Source(s):EBA;Growthrateforecastofthevalueofadvancesandloanstohouseholdsandnon-financialcorporationsgrantedbybanksintheEuropeanUnionfrom2023to2025,bytypeGrowthrateforecastoftotalloansandadvancesintheEU2023-2025,bytype2023202420254.5%4.0%3.5%3.0%2.5%2.0%1.5%1.0%0.5%0.0%4%3.7%3.6%3.3%3.1%2.6%LoansandadvancestohouseholdsLoansandadvancestonon-financialcorporations4Description:ThetotalvalueofloansandadvancestohouseholdsgrantedbybanksintheEuropeanUnionisexpectedtohaveahighergrowthratethanbusinessloansin2023.Loansandadvancestonon-financialcorporationsareestimatedtohavereachedagrowthrateof3.6percentin2023,whiletheprojectedgrowthofhouseholdlendingthatyearwas2.6percent.By2024,loanstohouseholdsintheEUareexpectedtoreachnearly6.8trillioneuros.

ReadmoreNote(s):2021Source(s):EBATotalvalueofloansandadvancesintheEuropeanEconomicAreaasofDecember2022(inbillioneuros)ValueofloansandadvancesinEurope2022,bycountryValueinbillioneuros3,00001,0002,0004,0005,0006,0007,000FranceGermanySpain6,0082,8712,725NetherlandsItaly1,9271,873BelgiumSwedenAustriaDenmarkFinland965808625587571IrelandNorwayPortugal2922712205Description:AsofDecember2022,FrancewastheEuropeanUnioncountrywiththehighestvolumeofloansandadvancesgrantedatoversixtrillioneuros.ThevalueofloansandadvancesinGermanyandSpainamountedtonearly2.9trillioneuroseach.Meanwhile,theloansgrantedinSpain,Italy,andtheNetherlandsamountedtooveratrillioneuros.ReadmoreNote(s):Europe,EU;December2022;Valueatamortizedcost.Source(s):EBAValuepercapitaofloansandadvancestohouseholdsandnon-financialcorporationsgrantedbybanksintheEuropeanEconomicAreaasofDecember2022,bycountry(in1,000euros)ValuepercapitaofloansandadvancesinEurope2022,bycountryValueinthousandeuros050100150200250300LuxembourgNetherlandsFinlandDenmarkFranceBelgiumSwedenIcelandAustriaIrelandSpainNorway6Description:LuxembourgwastheEuropeanUnionmembercountrywiththehighestvolumeofloanspercapitain2022,amountingtoroughly248,400euros.Ontheothersideofthespectrum,Romaniawasatthebottomofthisranking,asloansinthecountrywerevaluedatapproximately2,200eurosperperson.Onabsoluteterms,FranceisoneoftheEuropeancountrieswiththehighestvolumeofloanstohouseholds.

ReadmoreNote(s):Austria,Belgium,Bulgaria,Croatia,Cyprus,Czechia,Denmark,Estonia,Finland,France,Germany,Greece,Hungary,Iceland,Ireland,Italy,Latvia,Lithuania,Luxembourg,Malta,Netherlands,Poland,Portugal,Romania,Slovakia,Slovenia,Spain,Sweden,EU;December2022;ValueatamortizedcostSource(s):EBA;Eurostat;Totalvalueloansandadvancesasashareofthegrossdomesticproduct(GDP)intheEuropeanUnionin2022,bycountryValueofloansasashareofGDPintheEU2022,bycountryShareofGDP0%50%100%150%200%250%FranceFinlandSpain227.4%214.3%205.3%LuxembourgNetherlandsBelgiumDenmarkSwedenAustria205.2%204.7%174.7%156.1%145%139.7%129.9%120.5%111.4%106.5%CyprusLatviaEstoniaIceland7Description:In2022,FrancestoodoutastheEuropeanUnioncountrywiththehighestvolumeofloanstohouseholdsandnon-financialorganizationsasashareofitsgrossdomesticproduct(GDP).Meanwhile,thevolumeofloansinGermanyamountedtoapproximately74percentofitsGDP.Ontheothersideofthespectrum,PolandandRomaniawerethecountrieswiththelowestlevelsofindebtedness.DenmarkwasalsotheEUcountrywiththehighesthouseholddebttogrossdisposable[...]

ReadmoreNote(s):Austria,Belgium,Bulgaria,Croatia,Cyprus,Czechia,Denmark,Estonia,Finland,France,Germany,Greece,Hungary,Ireland,Italy,Latvia,Lithuania,Luxembourg,Malta,Netherlands,Poland,Portugal,Romania,Slovakia,Slovenia,Spain,Sweden,EU;2022;Includinghouseholdandbusinessloans.Source(s):EBA;Eurostat;ValueofloansandadvancesasashareoftotalbankassetsintheEuropeanEconomicAreaasofDecember2022,bycountryValueofloansandadvancesasashareofbankassetsinEurope2022,bycountryShareofbankassets0%10%20%30%40%50%60%70%80%90%IcelandCzechiaNetherlandsSwedenEstonia80.3%74.2%73.8%73.8%73.5%SlovakiaDenmarkNorwayFinland72.6%71.6%70.3%66.9%65%SpainBelgiumAustria64.9%64.1%Latvia62.3%8Description:In2022,over73percentoftheassetsownedbyIcelandic,Czech,Dutch,Swedish,andEstonianbankswereloansandadvances.Meanwhile,Lithuaniawasthecountrywhereitsbankshadthesmallestloanportfolios,inrelativeterms,asitjustconstitutedroughly35percentoftheirassets.Meanwhile,GreecewastheEuropeancountrywiththehighestratioofnon-performingloans.ReadmoreNote(s):Austria,Belgium,Bulgaria,Croatia,Cyprus,Czechia,Denmark,Estonia,Finland,France,Germany,Greece,Hungary,Iceland,Ireland,Italy,Latvia,Lithuania,Luxembourg,Malta,Netherlands,Poland,Portugal,Romania,Slovakia,Slovenia,Spain,Sweden,EU;2022Source(s):EBACHAPTER

02InterestratesAverageloaninterestrateintheeuroareaasofFebruary2023,bycountryandmaturityLoaninterestratesintheeuroarea2023,bycountryandmaturityShort-term

maturity5.73%Long-term

maturity5.97%EstoniaGreeceLatvia5.32%4.49%5.03%11.18%4.03%LithuaniaIreland5.02%4.71%3.02%Cyprus4.32%4.35%PortugalSlovakiaGermanySloveniaMalta4.29%4.14%4.12%3.46%4.01%3.86%3.96%3.98%3.95%1.58%BelgiumEuroarea3.94%3.43%3.83%3.45%10Description:AsofFebruary2023,Latviawastheeuroareacountrywiththehighestinterestrateforloans.Thelong-termmaturitiesinthatBalticcountrywereonaverageover11percent.Meanwhile,thecompositecostforshort-termloansintheNetherlandsamountedto3.16percent,whichwasthelowestrateintheEurozone.ReadmoreNote(s):Europe,EU;February2023Source(s):ECBAverageinterestrateonconsumerloansintheeuroareainDecember2021andDecember2022,bymaturityConsumerloaninterestratesintheeuroarea2021-2022,bymaturityDec2021Dec20226.7%8%6.94%6.65%7%6%5%4%3%2%1%0%5.88%5.44%5.33%5.11%4.93%4.86%4.78%4.57%3.69%3.44%2.52%Floatingrateandup

FromonetofiveyearstooneyearOverfiveyearsRenegotiatedloans

Floatingrateandup

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Overfiveyearswithtooneyearwithcollateralorwithcollateralorguaranteescollateralorguaranteesguarantees11Description:AsofDecember2022,consumerloanswithamaturitydateofoverfiveyearshadthehighestinterestrateat6.94percent.Incontrast,theconsumerloanswiththelowestinterestratewerethosewithwithcollateralorguaranteesandaamaturitydatefromonetofiveyears,amountingto4.78percent.Meanwhile,Germanyhadoneofthehighestvolumesofconsumerloansintheeuroareain2022.

ReadmoreNote(s):EU;December2021andDecember2022;Excludingrevolvingloansandoverdrafts,convenienceandextendedcreditcardcredit.Source(s):ECBAverageinterestrateonconsumerloansandotherhouseholdlendingintheeuroareaasofJanuary2023,bycountryConsumerloaninterestratesintheeuroarea2023,bycountryAverageinterestrate0%20%40%60%80%100%120%140%MaltaLatviaEstoniaGreece127.43%10.94%10.88%9%LithuaniaPortugalIrelandSlovakiaSpain7.34%7.2%6.88%6.47%6.44%6.36%5.5%SloveniaCroatiaLuxembourgItaly5.46%5.17%12Description:AsofJanuary2023,Maltawasthecountryintheeuroareawiththehighestannualisedinterestrateforconsumerloansandothercreditamountingtoover127percent.Theaverageinterestrateforaconsumerloanintheeuroareawasapproximately4.7percent.France,theNetherlands,andBelgiumweresomeofthecountrieswiththelowestinterestratesforconsumerloansatlessthanthreepercent.Meanwhile,consumerloanswithafloatingrateanduptooneyearhadthe[...]

ReadmoreNote(s):Europe;January2023;Annualisedagreedrate(AAR)/narrowlydefinedeffectiverate(NDER)Source(s):ECBAveragemortgageinterestrateinEuropein1stquarter2022and1stquarter2023,bycountryAveragemortgageinterestrateinEurope2022-2023,bycountryMortgageinterestrateQ120223%Q120230%1%2%4%5%6%7%FranceBelgiumSpainIrelandGreeceGermanyNetherlandsSwedenPortugalFinlandDenmarkItaly13Description:MortgageinterestratessoaredinEuropein2022,resultinginmanycountriesseeingratesdoubleinjustayear.DuringtheCOVID-19crisis,mortgageratesinEuropewereattheirlowest,ascountriestackledtheeconomiceffectsofthepandemic.Withinflationrising,centralbanksgraduallyincreasedtheinterestrates,resultinginhighermortgageborrowingcosts.InHungary,theaveragemortgageinterestratereachedcloseto10percentinthefirstquarterof2023,upfromabout3.5[...]

ReadmoreNote(s):Europe;Q12022andQ12023Source(s):EuropeanMortgageFederationAverageinterestrateonloanstonon-financialcorporationsintheeuroareafromJanuary2019toMay2023Businessloaninterestrateintheeuroarea2019-20235.5%5.0%4.5%4.0%3.5%3.0%2.5%2.0%1.5%1.0%0.5%Jan

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202314Description:Theaverageinterestrateofloansfrommonetaryfinancialinstitutionstonon-financialcorporationsintheeuroareaoverallhasincreasedagainin2023,reaching5.09percentinSeptemberofthatyear.Thesefiguresareacompositecost-of-borrowingindicatorthatshowstheaverageinterestrateofbusinessloans(non-financial),takingintoaccountthosewithdifferentloantermsorfordifferentamounts.ReadmoreNote(s):Europe,EU;January2019toMay2023;Compositecost-of-borrowingindicatorforneweuro-denominatedloanstoeuroareanon-financialcorporations.Source(s):ECBAverageinterestrateonloanstonon-financialcorporationsintheeuroareaasofMay2023,bycountryBusinessloaninterestratesintheeuroarea2022,bycountryAverageinterestrate3%0%1%2%4%5%6%7%LithuaniaGreeceCyprusIrelandEstoniaLatvia6.11%6.04%5.97%5.89%5.83%5.81%PortugalSlovakiaSloveniaItalyGermanyFinlandMalta5.42%5.11%5.03%4.87%4.81%4.79%4.65%15Description:LuxembourgandtheNetherlandswereamongtheEurozonecountrieswiththelowestaverageinterestratesonnon-financialcorporationsasofMay2023.Meanwhile,theaveragebusinessloaninterestratefortheeuroareawas4.57percent.Ontheothersideofthespectrum,LithuaniaandGreeceweretwoofthecountrieswiththehighestbusinessloaninterestrates.TheinterestratesonconsumerloansinEurozonecountriesareveryvaried.

ReadmoreNote(s):Europe;May2023Source(s):ECBCHAPTER

03LoanstohouseholdsTotalvalueofloansandadvancestohouseholdsownedbybanksintheEuropeanUnionfrom2020to2022,withaforecastuntil2025(intrillioneuros)LoansandadvancestohouseholdsintheEU2020-2022withforecastuntil202587.146.88765432106.666.486.396.1320202021202220232024202517Description:BanksareexpectedtokeepincreasingthesupplyofloansandadvancestohouseholdsintheEuropeanUnion.By2024,thevalueofoutstandinglendingtohouseholdsisforecasttoreachover6.9trillioneuros.In2022,thetotalvalueofhouseholdcreditownedbybankswas6.48trillioneuros.Meanwhile,GreeceandDenmarkweresomeoftheEuropeancountrieswiththelowestexpectedgrowthratesinhouseholdlendingin2022.

ReadmoreNote(s):Europe,EU;2020to2022Source(s):EBAOutstandingvalueofloanstohouseholdsintheeuroareaasofSeptember2023,bytype(inbillioneuros)Outstandinghouseholdloansintheeuroarea2023,bytype6,0005,213.65,0004,0003,0002,0001,0000734.1364.8326.9MortgagesConsumercreditSoleproprietorloanOtherloans18Description:AsofSeptember2023,mortgagesmadeupthelargestshareofloanstohouseholdsintheEurozone,withanoutstandingamountofoverfivetrillioneuros.Incontrast,thevalueoftheconsumercreditgrantedtoEuropeanhouseholdsamountedtoapproximately734billioneuros.Soleproprietorloansrefertolendinggrantedtoabusinessthatisownedandoperatedbyasingleperson,thistypeofinstrumentisclassifiedbythesourceashouseholdloans.

ReadmoreNote(s):Europe,EU;September2023;Notseasonallyadjusted;loanstohouseholdsandnon-profitinstitutionsservinghouseholdsSource(s):ECB;ValueofloansandadvancestohouseholdsintheEuropeanEconomicAreaasofDecember2022,bycountryandtype(inbillioneuros)LoansandadvancestohouseholdsinEurope2022,bycountryandtypeValueinbillioneurosMortgages1,000Otherloanstohouseholds*1,50005002,0002,500FranceSpainNetherlandsItalyGermanyBelgiumSwedenFinlandAustriaNorwayPortugalIreland19Description:Outofthe30selectedEuropeancountriesinthelist,FrancewastheonewiththelargestvolumeofloansandadvancestohouseholdsasofDecember2022,amountingtoroughlytwotrillioneuros.Inthesecondplace,householdloansinSpainreached1.2trillioneurosthatsameyear.TheNetherlandsisthethirdcountrywiththehighestvolumeofloans,whichwereworth780billioneurosthatsameyear.ReadmoreNote(s):Europe,EU;2022;Valueatamortisedcost.;*OtherloanstohouseholdscalculatedbasedonfiguresprovidedbytheEBA.ReadmoreSource(s):EBA;GrowthrateforecastofthetotalvalueofadvancesandloanstohouseholdsinselectedEuropeancountriesfrom2022to2024GrowthrateforecastofhouseholdloansandadvancesinEurope2022-2024,bycountry202213.52%7.79%11.38%5.55%7.02%-9.02%-3.22%6.91%6.52%12.1%6.31%3.2%202310.93%11.15%10.47%6.29%7.88%7.87%7.41%8.01%7.63%6.92%5.81%5.38%6.57%202410.54%9.97%9.6%HungaryBulgariaLuxembourgCyprus8.44%7.95%7.69%7.48%7.45%7.18%6.93%6.34%6.2%EstoniaMaltaRomaniaCzechiaSloveniaLithuaniaCroatiaPolandSlovakia6.53%6.17%20Description:Hungarywasatthetopofthisrankingof29Europeancountriessortedbythegrowthrateoftheirvolumeoflendingtohouseholdsin2022.LoanstohouseholdsintheEuropeanUnionareexpectedtogrowonaveragebynearlyfivepercentin2024.Meanwhile,theloansandadvancesmarketinGermanyisexpectedtoincreaseby6.8percentin2023.Overall,thetotalvalueofthehouseholdloansmarketintheEUasawholeisexpectedtokeepgrowingduringthattimeline.

ReadmoreNote(s):Austria,Belgium,Bulgaria,Croatia,Cyprus,Czechia,Estonia,Finland,France,Germany,Greece,Hungary,Iceland,Ireland,Italy,Latvia,Lithuania,Luxembourg,Netherlands,Poland,Portugal,Romania,Slovakia,Spain,Sweden,EU;2022Source(s):EBALoanstohouseholdsasashareofgrossdisposableincomeintheEuropeanUnionin2020,byselectedcountriesLoanstohouseholdsasashareofdisposableincomeintheEU2020,bycountryShareofloans0%50%100%150%200%DenmarkSweden210.5%180.5%LuxembourgNetherlandsFinland159%124.5%97.5%93.5%CyprusFranceSpain91.5%90.5%GermanyPortugalBelgiumAustria79.5%79%79%74%68.5%Slovakia21Description:Amongthisselectedgroupof25EuropeanUnioncountries,Denmarkhadthehighestvolumeofloanstohouseholdsrelativetoitsgrossdisposableincomein2020.Thistypeofloanrepresentedover210percentoftheDanishgrossdisposableincome.Ontheothersideofthespectrum,loanstohouseholdsinLatviaandRomaniarepresentedlessthan25percentoftheirrespectivedisposableincomes.ThevolumeofhouseholdloansasaGDPshareinEUcountriesfollowedasimilar[...]

ReadmoreNote(s):Austria,Belgium,Bulgaria,Cyprus,Czechia,Denmark,Estonia,Finland,France,Germany,Greece,Hungary,Ireland,Italy,Latvia,Lithuania,Luxembourg,Netherlands,Poland,Portugal,Romania,Slovakia,Slovenia,Spain,Sweden,EU;2020Source(s):CenterforEuropeanPolicyStudies;ECRI;estimatesVolumeofconsumerloansinselectedcountriesoftheeuroareain2022,bytype(inmillioneuros)ConsumerloansinselectedEurozonecountries2022,bytypeCreditvolumeinmillioneurosNewloans60,000Renegotiatedloans80,000020,00040,000100,000120,000140,000GermanyFranceItalySpainFinlandPortugalAustriaBelgiumSlovakiaIrelandGreeceSlovenia22Description:In2022,withinthisrankingof18Eurozonemembers,Germanywasbyfarthecountrywiththehighestvolumeofconsumerloans.Thecountry'snewandrenegotiatedloansamountedtoapproximately123billioneuros.Meanwhile,therewerealsohighvolumesofconsumercreditgrantedinFrance,Italy,andSpain.However,whenconsideringthevolumeofconsumerloanspercapita,FinlandandLuxembourgwerealsoquitehighonthelist.ReadmoreNote(s):Europe;2022;Excludingrevolvingloansandoverdrafts,convenienceandextendedcreditcarddebtSource(s):ECBCHAPTER

04BusinessloansTotalvalueofloansandadvancestobusinessesownedbybanksintheEuropeanUnionfrom2020to2022,withaforecastuntil2025,bytype(intrillioneuros)LoansandadvancestobusinessesintheEU2020-2022withforecastuntil2025Non-financialcorporationsFinancialcorporations98765432101.681.651.621.511.481.416.596.346.155.935.585.372020202120222023*2024*2025*24Description:In2025,theloanstofinancialandnon-financialbusinessesgrantedbybanksintheEuropeanUnionareexpectedtobevaluedatovereighttrillioneuros.Mostofthatamountcorrespondstoloansandadvancestonon-financialcorporations.Loanstofinancialcorporatesareforecastedtobeworth1.68trillioneurosin2025upfromthe1.51trillioneurosof2022.Meanwhile,thevalueoftheoutstandingloanstonon-financialcorporationsintheEurozoneamountedtoroughlyhalfatrillion[...]

ReadmoreNote(s):Europe,EU;2020to2022Source(s):EBAOutstandingvalueofloanstonon-financialcorporationsintheeuroareafromMarch2020toSeptember2023(inbillioneuros)Outstandingloanstonon-financialcorporationsintheeuroarea2020-202359057055053051049047045025Description:Thevalueofoutstandingloansfrommonetaryfinancialinstitutionstonon-financialcorporationsintheeuroareawaslowerinFebruary2023thanayearearlier.Meanwhile,thevalueofbusinessloansoutstandinginDecember2020wasroughly465billioneuros.TheinterestratesonbusinessloansintheEurozoneincreasedalotin2022and2023.ReadmoreNote(s):Europe,EU;March2020toSeptember2023;Revolvingloansandoverdrafts,convenienceandextendedcreditcardcreditSource(s):ECBOutstandingvalueofloanstonon-financialcorporationsintheeuroareaasofSeptember2023,bytype(inbillioneuros)Outstandingloanstonon-financialcorporationsintheeuroarea2023,bytype3,5003,0002,5002,0003,115.21,5001,086.4903.11,0005000UptooneyearFromonetofiveyearsOverfiveyears26Description:Mostoftheoutstandingamountofloanstonon-financialloansintheEurozoneasofSeptember2023hadamaturityofoverfiveyears.Thistypeofloanamountedtooverthreetrillioneuros.Meanwhile,therewereapproximatelyonetrillioneurosworthofloansfromonetofiveyearstobusinessesintheeuroarea.ReadmoreNote(s):Europe,EU;September2023;NotseasonallyadjustedSource(s):ECBOutstandingamountofloanstonon-financialcorporationsintheeuroareaasofSeptember2023,bycountryandtype(inbillioneuros)Valueofloanstonon-financialcorporationsintheeuroarea2023,bycountryValueinbillioneurosUptooneyear600Fromonetofiveyears800Overfiveyears1,00002004001,2001,4001,600FranceGermanyItalySpainNetherlandsAustriaBelgiumFinlandPortugalLuxembourgGreeceIreland27Description:InFrance,theoutstandingamountofloanstonon-financialcorporationswithamaturityofoverfiveyearswasvaluedat956billioneurosasofSeptember2023.Meanwhile,outstandingbusinessloanswiththesamematurityinGermanyamountedto899billioneurosduringthatperiod.ThetotalvalueofloansandadvancesintheEuropeanUnionwasforecastedtokeepgrowingin2024.ReadmoreNote(s):Europe,EU;September2023;NotseasonallyadjustedSource(s):ECBOutstandingamountofloanstofinancialcorporationsintheeuroareaasofSeptember2023,bycountry(inbillioneuros)Valueofloanstofinancialcorporationsintheeuroarea2023,bycountryValueinbillioneuros050100150200250300350FranceGermanyNetherlandsItaly329.92281.93193.35177.23BelgiumLuxembourgSpain64.2855.2444.31IrelandAustria36.8834.21FinlandLithuaniaGreece10.739.168Portugal5.5228Description:FrancewasthecountryintheEurozonewiththehighestvolumeofoutstandingloanstofinancialcorporations.Thataccountsforloanstoallfinancialcorporationsexceptmonetaryfinancialinstitutions,insurancecorporations,andpensionfunds.France,Germany,theNetherlands,andItalywerethecountrieswithavolumeofoutstandingofthattypeofloanthatexceededthe150billioneurosmark.Thevalueofloanstonon-financialcorporationsintheEurozonehasasimilardistribution,[...]

ReadmoreNote(s):Europe,EU;September2023;*Exceptmonetaryfinancialinstitutionsandinsurancecorporationsandpensionfunds.Source(s):ECBBankrejectionsofsmallbusinessloansinselectedcountriesintheEuropeanUnionfrom2016to2022,bycountryRejectionofbankloanstoSMEsinselectedEUcountries2016-2022201620%16%20%2%201717%11%%201821%7%201922%25%28%16%2%202017%18%%202129%16%%202232%21%19%16%15%15%14%12%11%11%11%11%9%LithuaniaDenmarkLatvia%RomaniaCyprus18%33%6%16%%21%%15%%%Poland9%7%16%10%5%20%6%10%12%16%13%13%10%26%21%HungarySloveniaNetherlandsBulgariaFinland5%13%12%14%5%12%7%9%4%17%5%3%18%5%27%10%9%12%5%4%6%9%SlovakiaGreece5%13%16%10%15%12%14%8%20%20%29Description:Smallandmedium-sizedcompaniesfromLithuaniahadthehighestrejectionrateintheEuropeanUnionin2022.TherejectionrateinLithuaniareached32percentduring,anditwasfollowedbyDenmark,witharejectionrateof21percent.Figurescanchangequitedramaticallyperyearwhenbanksapplystricterrules.ReadmoreNote(s):Europe;2016to2022;15,625respondents;18yearsandolder;Micro,small,medium-sizedandlargefirms;ActiveinIndustry(NACEB,C,D,E),Construction(NACEF),Trade(NACEG)andServices(NACEH,I,J,L,M,N,R,S).Source(s):GDCCCHAPTER

05Non-performingloansNon-performingloansandadvances(NPL)asashareofgrossloansintheeuroareafrom2ndquarter2015to2ndquarter2023Non-performingloansratiointheeuroarea2015-20238.0%7.0%6.0%5.0%4.0%3.0%2.0%1.0%31Description:Afterfallingseveralyearsinarow,thenon-performingloans(NPL)ratiointheeuroareaandotherEUcountriesunderthesinglesupervisorymechanismremainedrelativelystablein2023.Inthewakeofthefinancialcrisis,non-performingloans(NPLs)becameamajorconcernpolicymakers,financialsupervisorsaswellasmarketparticipantsacrosstheEuropeanUnion.Non-performingloansarethosethatareindefault,orareclosetobeingindefault.Manystandardcontractterms[...]

ReadmoreNote(s):EU;2ndquarter2015to2ndquarter2023;FiguresrefertotheEUcountriesparticipatingintheSingleSupervisoryMechanism(SSM),achangingcompositionthatincludesallcountriesintheeuroarea,andafewotherEUcountriessuchasBulgaria.Source(s):ECBValueofnon-performingloans(NPL)andadvancestohouseholdsandbusinessesbybanksintheEuropeanEconomicAreafrom2020to2023,bytype(inbillioneuros)Valueofnon-performingloansandadvancesbyEuropeanbanks2020-2023,bytype2020202120222023*160140120100806040200Loanstohouseholdsexceptmortgages*MortgagesLoanstonon-financialcorporationsexceptSMEs*LoanstoSMEs32Description:AsofJune2023,non-performingloans(NPLs)andadvancestosmallandmediumnon-financialcorporationsownedbyEuropeanbanksamountedtoalmost106billioneuros.ThiswasthesegmentwiththehighestvolumeofNPLs.Incontrast,thevalueofnon-performingmortgageswaslowerthanforanyothertypeofloanconsideredhere.Thisissignificant,especiallyaftertakingintoaccountthatEuropeanbanksownedmoremortgagesthananyothertypeofloanbyvalue.

ReadmoreNote(s):Europe,EU;2020to2023;ThesourceincludesdatafromtheEU-27,Iceland,andNorway.Source(s):EBA;Ratioofnon-performingloansandadvances(NPLs)togrossloansintheEuropeanEconomicAreaasof1stquarter2023,bycountryNon-performingloansratiointheEuropeanE