A comparative analysis of the US and EU retail banking markets - Wsbi

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Annex 2: Statistical appendix Table A: Evolution of the number of depository institutions per 1,000,000 inhabitants in the US 1985 1990 1995 1996 1997 1998 1999 2000 2001 2002 2003 Commercial banks 61 50 37 35 33 32 31 29 28 27 27 Savings institutions 15 11 8 7 7 6 6 6 5 5 5 Credit unions (CU) 63 52 44 42 41 40 38 37 35 34 32 Total excl. CU 76 61 45 42 40 38 37 35 34 32 32 Grand Total 139 113 89 85 81 78 75 72 69 66 64 Sources: ESBG calculation on the basis of information from FDIC, NCUA and the Census Bureau. Table B: Evolution of the number of depository institutions' branches per 1,000,000 inhabitants in the US 1985 1990 1995 1996 1997 1998 1999 2000 2001 2002 2003 Commercial banks 181 201 210 213 219 223 226 225 228 228 230 Savings institutions 88 75 50 51 48 47 46 44 44 43 43 Credit unions (CU) n.a. n.a. 75 78 79 75 73 72 71 71 71 Total excl. CU 269 276 261 264 267 269 272 269 272 270 272 Grand Total n.a. n.a. 336 342 346 344 345 342 343 341 343 Sources: ESBG calculation on the basis of information from FDIC, NCUA and the Census Bureau. Table C: Evolution of the number of credit institutions in the EU, per Member State 1985 1990 1995 1996 1997 1998 1999 2000 2001 2002 2003 Belgium 165 157 145 141 131 123 117 118 112 111 108 Denmark 166 124 122 125 213 212 210 210 203 178 203 Germany 4,740 4,720 3,785 3,675 3,420 3,238 2,992 2,742 2,526 2363 2,225 Greece 38 41 53 55 55 59 57 57 61 61 59 Spain 695 696 484 434 416 404 387 368 366 359 348 France 2,109 2,027 1,445 1,382 1,258 1,226 1,158 1,099 1,050 989 939 Ireland 58 48 56 62 71 78 81 81 88 85 80 Italy 1,192 1,156 970 937 909 934 890 861 843 821 801 Luxembourg 118 177 220 221 215 212 211 202 194 184 172 Netherlands 81 111 102 101 648 634 616 586 561 539 481 Austria 1,241 1,210 1,041 1,019 928 898 875 848 836 823 814 Portugal 224 260 233 228 238 227 224 218 212 202 200 Finland 654 529 381 373 348 348 346 341 369 369 366 Sweden 543 498 119 124 237 223 212 211 211 216 222 United Kingdom 655 624 578 555 537 521 496 491 452 451 426 EU 12,679 12,378 9,734 9,432 9,624 9,337 8,872 8,433 8,084 7,751 7,444 Notes: For Denmark and Netherlands, there is a change in definition in 1998 (different accounting of cooperative banks). For Sweden, finance companies are also included in the definition of Cis. For Finland, Cis other than banks are included (including finance companies). Source: ECB; From 1985 until 1996: "Mergers and acquisitions involving the EU banking industry", December 2000; From 1997 until 2003: "Report on EU Banking Structure", November 2004. 152
Table D: Evolution of the number of branches per 1,000,000 inhabitants in the EU, per Member State 1985 1990 1995 1996 1997 1998 1999 2000 2001 2002 2003 Belgium 870 900 760 740 722 698 682 645 598 536 480 Denmark 720 580 440 440 431 431 430 442 443 395 392 Germany 610 630 590 580 770 731 713 692 654 616 574 Greece 170 190 230 230 232 256 261 275 286 296 298 Spain 760 830 930 950 961 983 985 974 955 939 942 France 470 450 440 440 437 435 434 435 439 439 431 Ireland 240 270 290 300 255 275 259 230 249 234 229 Italy 230 310 410 430 450 470 477 495 514 522 527 Luxembourg 880 780 1,030 1,000 753 758 796 763 617 605 596 Netherlands 590 540 440 440 434 431 394 374 323 285 226 Austria 540 580 580 580 588 575 573 570 566 551 540 Portugal 150 200 350 380 469 487 530 552 536 518 519 Finland 730 580 390 340 250 243 231 232 242 243 240 Sweden 430 380 300 280 285 248 241 232 229 228 230 United Kingdom 370 350 290 270 277 267 258 246 241 238 234 EU 482 497 495 494 540 534 529 523 512 499 485 Source: ESBG calculations onf the basis of data from the ECB (see Table 4 in the text) and Eurostat (for the population). Table E: Change in the number of FDIC-insured institutions, 1985 - 2002 Additions Deletions Total Institutions Year De Novos Other additions Unassisted mergers Failures Other changes at year end 1985 442 158 -429 -122 80 18,043 1986 327 113 -444 -145 -7 17,887 1987 273 51 -682 -207 23 17,345 1988 301 16 -872 -216 3 16,575 1989 208 11 -471 -524 3 15,802 1990 193 24 -475 -376 -6 15,162 1991 116 35 -560 -257 -8 14,488 1992 80 13 -543 -162 -20 13,856 1993 71 12 -594 -89 -32 13,222 1994 68 21 -661 -29 -15 12,604 1995 111 43 -727 -24 -35 11,972 1996 157 55 -663 -17 -48 11,456 1997 200 67 -728 -45 -25 10,923 1998 222 40 -678 -23 -20 10,464 1999 270 32 -503 -23 -17 10,223 2000 225 34 -538 -18 -20 9,904 2001 147 24 -424 -20 -16 9,615 2002 94 14 -335 -24 -10 9,354 Source: FDIC. 153
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September 2006 RESEARCH A COMPARATI
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IE UK FR BE NL LU DK DE SE CZ AT SL
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The following WSBI/ESBG committees
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4 Regulation and supervision compar
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6.5 Issues of competition in retail
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To finish, if we had to pick from a
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In the US, credit institutions have
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Following the same logic, the EU co
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In that context, it is tempting to
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3. INSTITUTIONAL COMPARISON 3.1 Sec
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The market share of the US banking
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FDIC-insured commercial banks are i
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The subsidiary stock institution is
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Regulatory reform over the past thi
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State credit unions were first exem
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There has however been much effort
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3.2.2.2.2.2 Ownership and corporate
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Hermann Schulze-Delitzsch and Fried
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In contrast, building societies in
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The commitment of savings banks is
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4. REGULATION AND SUPERVISION COMPA
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In addition, for regulations define
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The European Parliament has to be k
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In fact, it should be mentioned her
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As far as coordination at the feder
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Despite the trend towards the estab
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Another important factor in the cho
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In the European Union, contrary to
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Although younger than CESR, both CE
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4.2.5.1.1.1.1 Limitation of the geo
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4.2.5.1.1.3 Recent trend: regulatio
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Another important common feature be
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The best execution rule was first m
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4.3.2.2.4 National Market System ru
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The ISD set a basis for the develop
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Best execution rules exist in both
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The decline of savings institutions
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Relative to population, the Europea
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5.2.2 Size of credit institutions 5
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5.2.2.2 European Union In Europe, t
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5.2.3 Concentration and consolidati
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5.2.3.2 European Union Average CR5
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In terms of the nature of consolida
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100% Graph 9: Structure of the asse
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In terms of growth of the volume of
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5.3.2 Efficiency of credit institut
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Table 16: Evolution of the Return o
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Finally, looking at cost-income rat
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9. The last couple of decades have
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Page 104 and 105: Furthermore, the average outstandin
Page 106 and 107: Under an open-end credit, the credi
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Page 110 and 111: 6.2.1.2.2 Regulatory framework over
Page 112 and 113: 6.2.1.3 Comparison 6.2.1.3.1 Size o
Page 114 and 115: In terms of market competition, the
Page 116 and 117: The residential mortgage market in
Page 118 and 119: Funding by retail deposits represen
Page 120 and 121: In sharp contrast, the US mortgage
Page 122 and 123: 6.2.3.1.2 Lenders to small business
Page 124 and 125: The securitisation process requires
Page 126 and 127: Factoring is also continuously gain
Page 128 and 129: 6.2.3.2.4 Securitisation of small b
Page 130 and 131: The above fears can hardly be allay
Page 132 and 133: - ACH credits and debits: the stati
Page 134 and 135: 6.3.2.1.2 Financial intermediaries
Page 136 and 137: It should be noted that two of the
Page 138 and 139: Assuming that technology, globalisa
Page 140 and 141: The report adds: “although it bou
Page 142 and 143: Graph 19: Use of different distribu
Page 144 and 145: In terms of funding of the business
Page 146 and 147: Since then, established banks have
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Page 150 and 151: MoU Memorandum of Understanding OTC
Page 154 and 155: Table F: Share of US banking indust
Page 156 and 157: Table L: Structure of the liabiliti
Page 158 and 159: Table R: Number of ATMS in the EU a
Page 160 and 161: F - Federal Deposit Insurance Corpo
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