Key figures – French Banking Sector (2016)

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)
• 37,567 bank branchesin 2015(2015 ECB Statistics)
• 57 bank branches for 100,000 inhabitants (2015 ECB Statistics)
• 60,490 ATMs (2015 ECB Statistics)
• 20% of French people visit the branch at least once a month (BVA survey Image of Banks May 2016)

LOANS (BANK OF FRANCE)

• 1,080 billion euros in loans to households (August 2016)
• 888 billion in outstanding home loans (August 2016)
• 1.41%, mortgage interest rate (Observatoire CSA – Crédit Logement, 04/10/2016)
• 897 billion in business loans (September 2016)
• +2.9% in loans to very small companies/SMEs over 12 months (August 2016)

SAVINGS

• The household savings rate is 14.4% (Q1 2016) (Quarterly survey by the Bank of France on household savings)
• Regulated savings

Funds collected in the Livret A savings passbook stood at 258.2 billion euros in September 2016 (-0.5% year-on-year). Its rate is 0.75% as of February 1, 2016.

Funds in the sustainable development passbook came to 100.7 billion euros in September 2016 (Caisse des dépôts – 21/10/2016)

Outstandings for the home ownership savings scheme stood at 251.2 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 €1,620 billion at the end of September 2016 (FFSA 25/10/2016)

PAYMENTS (2015 ECB STATISTICS)

• 19 billion payment transactions
• 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 inFrance use their bank card to pay online (BVA survey Image of Banks September 2016)

BANK EMPLOYMENT FIGURES IN 2015 (FBF SCOPE)

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