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11 august 2016

French Banking Sector : key figures

A summary of the main indicators for the French banking sector

 

RELATIONS BETWEEN BANKS AND THEIR CUSTOMERS

  • 99% of French people have a bank account (Microfinance Observatory)
  • 37,623 bank branches in 2014 (2014 ECB Statistics)
  • 570 bank branches for 1 million inhabitants (2014 ECB Statistics)
  • 58,640 ATMs 2014 ECB Statistics)
  • 27% of French people visit the branch at least once a month (BVA survey Image of Banks May 2015)


LOANS (BANK OF FRANCE)

  • 1,067 billion euros in loans to households (May 2016)
  • 877 billion in outstanding home loans (May 2016)
  • 1.60%, mortgage interest rate (Observatoire CSA - Crédit Logement, 04/072016)
  • 898 billion in business loans (May 2016)
  • +2.2 % in loans to very small companies/SMEs over 12 months (April 2016)


SAVINGS

  • The household savings rate is 15.9% (Q4 2015) (Quarterly survey by the Bank of France on household savings)
  • Regulated savings

Funds collected in the Livret A savings passbook stood at 255.6 billion euros in May 2016 (-1.9% year-on-year). Its rate is 0.75% as of February 1, 2016.

Funds in the sustainable development passbook came to 101 billion euros in May 2016 (Caisse des dépôts - 21/06/2016)

Outstandings for the home ownership savings scheme stood at 248.5 billion in May 2016. The interest rate for new schemes is 1.5%.

(Quarterly financial and monetary statistics- Banque de France- term deposits over 2 yrs)

  • Life insurance

Life insurance outstandings amounted to 1,600.2 billion at the end of May 2016 (FFSA 25/06/2016)



PAYMENTS (2015 ECB STATISTICS)

  • 19 billion payment transaction
  • 49.78% of payments are made by bank card
  • 81 million payment cards in France
  • 765.6 million payment cards in Europe
  • 65% of Internet users in France use their bank card to pay online (BVA survey Image of Banks May 2015)

BANK EMPLOYMENT FIGURES IN 2015 (FBF SCOPE)

  • 383 banks
  • 371,600 employees
  • 39,000 people recruited
 
 
 
 
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