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Looking beyond the pandemic: Strong comeback of European banks

November 1, 2021

Looking beyond the pandemic: Strong comeback of European banks

Region:
Europe
Talking Point
Topic:
Banking and financial markets
Analyst:
Jan Schildbach
Online PDF 137k
On face value, the European banking industry has recovered well from the coronavirus shock. Revenues, loan loss provisions and profits are largely back at their pre-crisis level, as is corporate loan growth. Below the surface, some shifts remain – interest income continues to suffer, but fees and commissions and trading income outperform. Funding from the ECB and even more so liquidity held at the central bank move from one record to the next, similarly to capital and liquidity ratios. The gap to US banks has widened further. EU implementation of the final Basel III rules has now reached decision stage, already causing concern about future European competitiveness. [more]

More documents from Jan Schildbach

92 (85-92)
    

Global banking trends after the crisis

June 15, 2009
Region:
International
Topic:
Banking and financial markets, Economic and european policy
Analyst:
Jan Schildbach
EU Monitor
87
The ongoing global financial crisis, with its historic dimensions, will have a lasting impact on the banking sector. It will become a less "fashionable" and even more heavily regulated industry with greater state involvement, increased investor scrutiny and substantially higher capital levels. This will lead to lower growth, lower profits and lower volatility for banks than during the past few decades – a trend that is exacerbated by the expected lack of major growth drivers, at least for some time. [more]

European banks' foreign revenues: Europe gaining ground

June 25, 2008
Region:
Europe
Topic:
Banking and financial markets
Analyst:
Jan Schildbach
Talking Point
90
European banks have become considerably more international over the past few years, in terms of both the structure of their revenues and of their shareholders. In this context particular emphasis has been placed on strengthening the European business outside the home market, with the home market share in total revenues falling as a result – at the 20 largest European banks e.g. by 4 percentage points since 2001 to less than half. By contrast, as much as one-quarter of total revenues came from the rest of Europe in 2007 (2001: 18%). [more]

European banks: The silent (r)evolution

April 22, 2008
Region:
Europe
Topic:
Banking and financial markets, Economic and european policy, Macroeconomics
Analyst:
Jan Schildbach
EU Monitor
91
Recent market turmoil and its consequences will negatively impact the earnings of European banks for a considerable time. This reverses a long period of improvements in profitability and efficiency. But: the current environment should not distract from the trends that have favourably shaped the structure of the industry for the last 10 years and will continue to do so: consolidation, internationalisation, convergence and increasing specialisation. In this study, we consider to what extent these trends are going to further shape the banking sector in the foreseeable future. [more]
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