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INDUSTRIESMARKETSBankloansintheEuropeanUnion

CHAPTER01Overview

Valueofloansandadvancestohouseholdsandnon-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):EBA

Totalvalueof