EU structural financial indicators 1), 2)

Table 1 Credit institutions: Number of local units (branches) and employees of domestic credit institutions
Number of local units (branches)

Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area
EU

Number of employees of domestic credit institutions

2008

2009

2010

2011

2012

2008

2009

2010

4,316
5,961
1,993
2,192
39,531
257
895
4,098
46,065
39,467
34,169
923
658
973
230
3,515
111
3,421
4,243
12,914
6,417
7,375
698
1,258
1,672
2,025
12,270

4,201
5,916
1,998
1,996
38,851
213
1,228
4,078
44,431
38,311
34,030
930
624
972
226
3,560
114
3,137
4,167
13,292
6,532
6,425
706
1,230
1,538
1,950
11,869

3,973
5,849
1,990
1,654
39,494
202
1,162
4,005
43,164
38,784
33,631
911
587
951
226
3,493
113
2,864
4,171
13,518
6,587
6,170
694
1,224
1,475
1,937
11,653

3,881
3,777
2,049
1,557
37,853
193
1,099
3,847
40,103
38,433
33,561
902
549
676
227
3,449
107
2,653
4,431
14,592
6,501
6,046
687
1,034
1,446
1,857
11,713

3,820
3,833
2,098
1,405
36,239
176
1,064
3,629
38,142
38,359
32,528
866
400
689
203
3,330
107
2,466
4,460
15,170
6,258
5,723
695
1,061
1,404
1,878
11,713(e)

65,985
33,258
39,882
52,830
685,550
6,144
40,507
66,163
276,497
424,536
338,035
12,554
13,905
11,080
27,208
43,620
3,872
116,000
78,754
188,969
62,377
71,622
12,284
20,598
25,699
50,115
491,262

63,723
34,290
38,394
50,101
673,500
5,693
38,178
65,673
267,383
416,772
323,407
12,513
12,365
10,902
26,416
42,609
3,836
110,000
77,246
183,064
61,593
67,898
12,188
18,750
24,879
49,256
471,129

61,861
34,133
38,359
47,739
667,900
5,497
36,438
63,408
261,389
382,677
321,081
12,643
11,534
9,993
26,255
41,526
3,914
108,000
78,098
184,858
61,504
66,753
11,995
18,234
23,353
49,799
455,594

61,197
59,765
33,897
33,527
39,461
40,147
47,224
44,900
663,800
659,100
5,516
5,563
35,612
31,776
59,958
57,006
245,956
234,292
421,844
416,412
316,360
309,540
12,825
12,853
11,188
10,535
8,707
8,671
26,696
26,534
41,305
41,103
4,026
4,002
105,408
103,447
78,085
77,424
186,331
181,991
59,911
57,346
65,772
61,769
11,813
11,498
18,452
18,655
23,188
22,510
49,784
52,186
454,087 454,487(e)

2011

2012

186,256
237,647

183,710
232,525

182,478
230,482

176,958
223,223

171,477
217,716

2,236,021
3,259,306

2,196,057
3,161,758

2,138,750
3,084,535

2,150,647 2,107,723
3,088,403 3,037,039

Table 2 Herfindahl index 3) for credit institutions and share of total assets of five largest credit institutions
(index ranging from 0 to 10,000 and share of the five largest credit institutions in percent)

Herfindahl index for credit institutions

Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom

Share of total assets of five largest credit institutions

2008

2009

2010

2011

2012

2008

2009

2010

2011

2012

1,881
834
1,014
1,229
191
3,120
800
1,172
497
681
307
1,019
1,205
1,714
309
819
1,236
2,168
454
562
1,114
922
1,268
1,197
3,160
953
370

1,622
846
1,032
1,042
206
3,090
900
1,184
507
605
298
1,089
1,181
1,693
310
864
1,250
2,032
414
574
1,150
857
1,256
1,273
3,120
899
360

1,439
789
1,045
1,077
298
2,929
900
1,214
528
610
410
1,124
1,005
1,545
343
828
1,181
2,052
383
559
1,207
871
1,160
1,239
3,550
860
424

1,294
766
1,014
1,192
317
2,613
800
1,278
596
600
407
1,027
929
1,871
346
848
1,203
2,061
423
563
1,206
878
1,142
1,268
3,700
863
523

1,061
738
999
1,130
307
2,493
1,000
1,487
654
545
410
996
1,027
1,749
345
872
1,314
2,026
395
568
1,191
852
1,115
1,221
3,010
853
436

80.8
57.3
62.1
66.0
22.7
94.8
55.3
69.5
42.4
51.2
31.2
63.8
70.2
81.3
29.7
54.4
72.8
86.7
39.0
44.2
69.1
54.0
59.1
71.6
82.8
61.9
35.3

77.1
58.3
62.4
64.0
25.0
93.4
58.8
69.2
43.3
47.2
31.0
64.9
69.3
80.5
29.3
55.2
72.8
85.1
37.2
43.9
70.1
52.4
59.7
72.1
82.6
60.7
34.1

74.9
55.2
62.5
64.4
32.6
92.3
56.8
70.6
44.3
47.4
39.8
64.2
60.4
78.8
31.1
54.6
71.3
84.2
35.9
43.4
70.9
52.7
59.3
72.0
83.8
57.8
39.8

70.8
52.6
61.8
66.3
33.5
90.6
53.2
72.0
48.1
48.3
39.5
60.8
59.6
84.7
31.2
54.6
72.0
83.6
38.4
43.7
70.8
54.6
59.3
72.2
80.9
57.8
44.1

66.3
50.4
61.5
65.6
33.0
89.6
56.9
79.5
51.4
44.6
39.7
62.5
64.1
83.6
33.1
54.0
74.5
82.1
36.5
44.4
70.0
54.7
58.4
70.7
79.0
57.4
40.6

Structural Indicators for the EU Banking Sector 2013

EU structural financial indicators

Table 3 Number of branches of credit institutions from EU and non-EU countries
Number of branches of credit institutions
from EU countries

Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area
EU

Number of branches of credit institutions

from non-EU countries

2008

2009

2010

2011

2012

2008

2009

2010

2011

2012

47
4
15
16
83
11
31
24
78
74
73
8
6
7
32
10
1
33
30
18
25
10
3
9
20
22
81

46
4
18
17
85
10
32
24
81
74
72
9
6
7
30
11
1
34
29
18
25
10
3
11
21
20
77

49
4
18
20
89
9
33
21
80
71
68
9
8
9
30
10
1
32
30
21
24
9
3
14
22
21
71

38
4
21
21
91
8
37
19
79
69
70
9
8
8
29
11
1
32
30
19
22
8
3
17
22
25
68

35
4
20
19
88
7
35
18
77
65
69
11
8
8
30
10
1
34
28
20
22
8
3
14
20
23
66

9
2
1
3
20
0
1
6
9
25
11
15
0
0
8
0
2
5
0
0
3
0
0
0
2
4
91

9
2
0
2
19
0
1
5
8
24
10
16
0
0
7
0
2
5
0
0
2
0
0
0
1
2
91

9
2
0
3
19
2
1
5
8
24
9
16
0
0
7
0
2
5
0
0
2
0
0
0
2
4
91

23
3
0
3
19
2
1
4
8
23
9
16
0
1
6
0
2
5
0
0
2
0
0
0
2
4
90

24
3
0
3
20
1
1
4
8
22
9
16
1
0
6
0
2
5
1
0
2
0
0
0
2
7
91

562
771

577
775

576
776

576
769

557
743

116
217

109
206

109
211

122
223

123
228

Table 4 Total assets of branches of credit institutions from EU and non-EU countries 4)
(EUR millions)

Total assets of branches of credit institutions

from EU countries

Total assets of branches of credit institutions

from non-EU countries

2008

2009

2010

2011

2012

2008

2009

2010

Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom

45,378
1,741
22,781
35,053
157,326
5,740
134,506
38,740
230,146
138,772
265,454
4,135
3,804
4,682
128,798
5,199
.
65,328
11,408
16,209
28,122
4,823
474
4,233
18,960
83,855
1,870,854

41,219
1,668
18,781
39,365
153,089
5,557
125,237
37,409
221,158
129,961
229,375
1,122
3,671
4,603
113,738
7,435
.
63,583
10,874
13,050
33,261
5,707
501
3,774
16,889
59,633
1,699,448

43,814
1,615
18,709
33,665
166,559
5,287
120,097
36,155
203,003
119,290
249,626
1,501
3,746
4,637
97,855
8,580
.
73,237
11,108
14,376
38,241
5,626
522
3,739
23,531
74,193
1,439,647

79,153
1,558
20,944
28,976
192,340
5,241
124,088
51,460
204,290
124,320
283,180
1,912
3,635
4,670
89,687
8,804
.
100,030
11,591
7,329
42,996
6,695
660
4,040
38,824
81,521
1,184,083

89,724
2,659
17,337
38,695
260,222
5,896
124,083
38,537
191,213
124,804
283,362
3,867
3,897
4,802
85,863
6,583
.
132,981
11,657
7,043
45,182
7,077
779
4,586
41,776
83,743
1,126,456

62,038
.
.
705
39,888
0
.
697
6,768
21,342
10,072
5,529
0
0
41,976
0
.
1,196
0
0
243
0
0
0
.
7,979
1,653,574

46,520
.
0
.
29,136
0
.
851
6,370
15,675
6,682
5,271
0
0
18,978
0
.
1,346
0
0
.
0
0
0
.
.
1,508,633

49,834
.
0
1,359
37,480
.
.
722
6,359
16,979
6,292
6,311
0
0
15,951
0
.
2,174
0
0
.
0
0
0
.
9,542
1,813,790

74,181
78,156
312
309
0
0
1,816
12,076
47,602
50,719
.
.
.
.
570
587
8,318
7,588
24,287
30,657
8,792
9,154
6,351
7,230
0
.
.
0
36,009
26,771
0
0
.
.
2,770
5,269
0
.
0
0
.
.
0
0
0
0
0
0
.
.
12,061
12,462
2,175,077 1,967,297

Euro area
EU

1,268,592
3,327,413

1,182,407
3,041,326

1,189,160
2,799,498

1,354,576
2,702,791

1,445,122
2,743,415

207,697
1,870,180

148,317
1,665,176

164,227
1,989,196

258,406
274,481
2,447,674 2,266,629

2011

2012

Structural Indicators for the EU Banking Sector 2013

EU structural financial indicators

Table 5 Number of subsidiaries of credit institutions from EU and non-EU countries
Number of subsidiaries of credit institutions
from EU countries

Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area
EU

Number of subsidiaries of credit institutions

from non-EU countries

2008

2009

2010

2011

2012

2008

2009

2010

2011

2012

22
13
16
6
29
4
23
7
35
94
16
8
6
4
71
19
10
10
13
34
11
23
8
14
7
6
16

21
13
16
6
31
4
22
7
33
76
16
8
7
4
75
17
10
9
13
31
11
22
8
13
7
7
16

21
13
16
6
26
4
17
7
33
64
16
6
8
4
71
16
11
10
16
34
8
22
8
13
6
6
16

20
13
17
6
25
3
16
6
33
60
17
5
4
3
68
15
11
10
21
32
7
22
8
12
5
6
16

21
13
16
5
22
2
15
5
33
56
17
5
3
3
66
15
11
9
18
31
7
21
7
12
4
6
16

6
3
1
5
16
0
15
1
10
59
5
1
6
0
33
3
3
15
12
8
3
2
0
1
1
2
82

7
3
2
5
17
0
15
1
10
60
6
1
7
0
30
2
3
15
11
8
4
1
0
0
0
1
78

7
3
2
5
16
.
15
0
9
63
7
2
7
0
32
2
2
15
11
5
4
1
0
0
0
1
81

8
2
2
1
15
.
13
0
10
61
7
3
8
1
33
2
2
15
14
5
4
1
0
0
0
1
81

6
2
2
0
15
3
11
0
10
61
7
3
4
1
34
2
2
14
17
5
4
1
0
0
0
1
84

364
525

360
503

333
478

327
461

310
439

180
293

180
287

183
290

185
289

187
289

Table 6 Total assets of subsidiaries of credit institutions from EU and non-EU countries 4)
(EUR millions)

Total assets of subsidiaries of credit institutions

from EU countries

Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom
Euro area
EU

Total assets of subsidiaries of credit institutions

from non-EU countries

2008

2009

2010

2011

2012

2008

2009

2010

2011

2012

228,933
28,176
128,854
133,602
623,549
15,697
535,135
62,941
111,506
644,303
204,705
35,361
16,303
17,837
640,514
70,730
15,450
15,585
189,559
181,331
76,373
68,522
14,611
56,539
248,033
3,967
352,193

578,136
29,277
125,083
157,806
563,202
14,692
445,123
65,162
112,271
569,838
205,544
45,134
15,237
17,227
542,787
60,771
13,434
13,962
141,601
140,177
82,111
59,990
15,055
48,588
243,191
4,228
598,301

541,467
29,750
134,068
160,805
634,020
13,594
315,758
65,864
114,683
567,240
225,492
33,539
14,557
15,784
545,971
60,944
17,504
233,387
132,301
168,833
80,544
61,346
14,436
50,265
308,455
4,502
562,993

563,831
29,731
146,461
140,817
677,032
11,715
264,909
38,566
122,259
596,388
236,036
26,515
10,385
13,470
541,853
60,292
17,012
174,171
144,469
187,978
76,724
60,490
14,187
51,043
414,150
4,729
553,979

458,761
30,185
148,417
141,154
630,915
.
204,270
33,205
116,448
622,173
256,428
18,037
9,636
12,779
492,948
51,535
16,529
93,919
144,365
191,336
67,157
57,753
14,123
52,618
357,954
5,265
512,275

4,484
794
.
23,271
87,088
0
117,720
.
11,290
65,484
7,917
.
1,924
0
78,764
3,837
1,779
39,613
49,352
25,477
4,922
.
0
.
.
.
626,047

35,784
820
.
22,720
53,062
0
90,368
.
9,706
54,483
13,095
.
1,811
0
46,904
.
1,541
39,516
48,665
22,430
4,844
.
0
0
0
.
507,203

39,406
908
.
21,566
66,668
344
80,720
0
7,600
55,126
19,070
.
2,503
0
63,107
.
.
40,429
47,183
20,784
5,017
.
0
0
0
.
548,562

55,405
.
.
.
50,074
.
102,410
0
7,823
59,035
18,326
11,942
4,764
.
80,689
.
.
41,119
55,509
21,251
3,148
.
0
0
0
.
780,310

68,787
.
.
0
59,212
853
89,544
0
9,201
58,275
18,743
15,173
4,132
.
82,192
.
.
41,105
60,367
20,466
2,479
.
0
0
0
.
794,027

3,646,558
4,718,275

3,685,139
4,907,928

3,880,926
5,107,760

3,970,860
5,179,192

3,591,652
4,751,987

551,263
1,240,500

495,111
1,056,335

433,146
1,034,409

Structural Indicators for the EU Banking Sector 2013

488,589
508,388
1,307,324 1,337,993

EU structural financial indicators

Table 7 Total assets under management by insurance corporations and by pensions funds
(EUR millions)

Total assets under management

by insurance corporations

Total assets under management

by pensions funds

2008

2009

2010

2011

2012

2008

2009

2010

2011

2012

Belgium
Bulgaria
Czech Republic
Denmark
Germany
Estonia
Ireland
Greece
Spain
France
Italy
Cyprus
Latvia
Lithuania
Luxembourg
Hungary
Malta
Netherlands
Austria
Poland
Portugal
Romania
Slovenia
Slovakia
Finland
Sweden
United Kingdom

220,335
1,254
13,473
170,574
1,113,700
709
183,069
15,058
258,470
1,591,198
478,669
10,283
555
1,059
81,282
8,474
1,362
366,676
92,580
35,865
51,699
3,764
4,320
5,661
43,594
240,571
1,426,693

234,444
1,910
13,794
182,938
1,163,714
707
204,188
15,484
272,307
1,760,215
542,426
10,215
497
973
101,171
8,243
1,581
384,843
97,520
29,266
57,765
3,359
5,359
6,141
48,357
250,565
1,633,741

244,963
2,299
15,391
204,517
1,160,318
815
223,237
15,704
277,628
1,892,339
535,549
9,934
497
851
120,942
8,440
1,803
413,500
103,320
32,800
60,785
4,022
5,732
5,901
51,829
302,298
1,710,161

251,838
2,333
16,329
223,429
1,244,931
806
215,933
14,895
281,328
1,875,784
515,069
9,777
490
894
122,146
8,062
1,829
439,194
103,750
31,599
53,236
3,852
5,987
6,163
51,537
318,168
1,759,953

261,168
2,592
17,301
241,335
1,185,764
855
231,275
15,408
293,202
2,072,396
536,172
12,287
523
948
139,469
7,736
1,977
468,386
108,374
34,992
52,919
3,769
6,443
6,848
55,942
355,518
1,820,994

12,245
1,178
7,685
57,377
723
791
61,433
0
79,754
0
21,221
.
117
670
390
11,445
0
709,901
11,936
39,367
20,240
253
1,129
3,176
4,497
26,936
1,001,812

13,637
1,622
8,166
65,107
875
1,025
68,542
0
86,321
0
25,911
.
137
989
844
13,091
0
744,738
13,808
41,585
21,919
610
1,390
3,952
5,110
27,121
1,265,348

15,734
2,043
9,192
69,824
1,043
1,160
76,142
0
87,030
0
30,211
.
161
1,145
896
14,854
0
801,842
14,976
55,776
19,724
1,129
1,593
4,872
4,681
32,294
1,504,342

16,046
2,351
10,066
80,478
1,192
1,214
68,852
0
85,326
0
30,941
.
173
1,209
969
4,119
0
873,112
14,798
54,914
16,074
1,666
1,636
5,789
5,928
35,316
1,725,644

.
2,919
10,868
82,196
1,372
1,576
66,312
0
88,252
0
34,152
.
208
1,380
1,071
4,199
0
1,007,191
16,335
64,876
14,628
2,312
1,597
6,796
6,211
38,603
1,785,495

Euro area
EU

4,512,295
6,420,742

4,905,730
7,031,723

5,123,484
7,405,575

5,194,203
7,559,312

5,448,885
7,934,593

923,469
2,074,159

987,047
2,411,848

1,058,744
2,750,665

1,121,877
3,037,811

1,245,493
3,238,548

NOTES TO TABLES
1) The data in these tables represent amounts recorded at the end of period, with the exception of the number of employees of credit institutions in
Table 1 in which the average number in the period is in question.
2) These data as well as EU and euro area aggregates up to 2009 are available in the Statistical Data Warehouse
(http://sdw.ecb.europa.eu/browse.do?node=9484387).
3) The Herfindahl index (HI) refers to the concentration of banking business. The HI is obtained by summing the squares of the market shares of all the
credit institutions in the banking sector. The exact formula according to which data must be transmitted to the ECB is reported in the ECB Guideline on
monetary financial institutions and markets statistics (recast), (ECB/2007/9).
4) Where the number of institutions is less than three, the underlying data are not disclosed for confidentiality reasons.

Structural Indicators for the EU Banking Sector 2013