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

Table I: Structure of the liabilities of the US FDIC-insured institutions, 1992 - 2003
1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003
Non-bank deposits 80.7% 77.7% 73.9% 72.5% 72.3% 70.8% 69.9% 68.6% 68.4% 69.4% 69.4% 69.1%
Interbank deposits 3.3% 3.7% 4.1% 4.3% 4.0% 3.7% 3.6% 3.3% 3.6% 3.0% 3.3% 3.2%
Federal funds purchased &
repurchase agreements 6.6% 7.1% 7.9% 7.8% 7.2% 8.4% 8.4% 8.4% 8.1% 8.2% 8.4% 7.5%
Trading liabilities n.a. n.a. 2.6% 2.9% 2.9% 3.7% 3.5% 3.0% 3.1% 2.6% 3.2% 3.3%
Other borrowed funds 5.8% 7.5% 8.1% 8.8% 10.0% 9.5% 10.4% 12.7% 12.5% 11.8% 11.1% 12.4%
Subordinated debt 0.9% 0.9% 0.9% 0.9% 1.0% 1.2% 1.3% 1.3% 1.3% 1.4% 1.3% 1.3%
All other liabilities 2.7% 3.0% 2.4% 2.7% 2.7% 2.7% 3.0% 2.8% 3.0% 3.5% 3.4% 3.2%
Source: ESBG calculations based on FDIC data
Table J: Structure of the assets of the US FDIC-insured institutions, 1992 - 2003
1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003
Cash and due from
depository institutions 7.34% 6.46% 6.55% 6.24% 6.41% 6.28% 5.92% 5.74% 5.33% 5.41% 5.03% 4.70%
Securities 22.94% 23.63% 22.17% 20.59% 18.94% 18.54% 19.13% 19.44% 18.24% 18.62% 19.36% 19.51%
Federal funds sold & reverse
repurchase agreements 3.76% 3.41% 3.09% 3.60% 3.10% 4.48% 4.49% 3.44% 3.95% 4.39% 4.02% 3.89%
Net loans and leases 57.89% 57.86% 58.61% 59.92% 61.36% 59.74% 59.62% 60.79% 61.26% 59.50% 58.89% 58.94%
Bank premises and
fixed assets 1.42% 1.42% 1.39% 1.35% 1.35% 1.29% 1.26% 1.24% 1.18% 1.13% 1.10% 1.07%
Other assets 6.65% 7.21% 8.18% 8.30% 8.84% 9.67% 9.58% 9.35% 10.04% 10.95% 11.59% 11.89%
Source: ESBG calculations based on FDIC data.
Table K: Composition of loans to the private sector in the euro area and the US, 2002 - 2004
2002 2003 2004
Households Business Households Business Households Business
Consumer Housing Other Consumer Housing Other Consumer Housing Other
Austria 12% 18% 3% 67% 11% 20% 4% 4% 12% 23% 10% 55%
Belgium 5% 35% 10% 50% 5% 39% 9% 9% 4% 42% 9% 45%
Germany 10% 41% 12% 37% 8% 42% 14% 14% 8% 43% 14% 35%
Spain 8% 34% 9% 49% 7% 35% 10% 10% 7% 36% 9% 49%
Greece 12% 25% 0% 63% 13% 27% 1% 1% 15% 29% 1% 55%
France 11% 32% 7% 50% 11% 34% 6% 6% 11% 36% 6% 47%
Finland 8% 39% 11% 41% 8% 41% 11% 11% 8% 42% 11% 39%
Italy 3% 16% 15% 66% 4% 17% 14% 14% 4% 19% 13% 64%
Ireland 13% 38% 1% 48% 9% 40% 3% 3% 8% 41% 3% 48%
Luxembourg 2% 11% 23% 64% 2% 14% 23% 23% 2% 16% 22% 59%
Netherlands 4% 53% 4% 39% 4% 54% 4% 4% 4% 55% 4% 37%
Portugal 5% 40% 6% 48% 5% 41% 6% 6% 5% 41% 6% 48%
Euro area 8% 35% 10% 47% 7% 36% 10% 10% 7% 37% 10% 45%
US 9% 68% 3% 20% 8% 74% 2% 17% 6% 62% 2% 30%
Source: ESBG calculations based on data from the "Aggregated balance sheet of euro area monetary financial institutions, excluding the Eurosystem"
(National Bank of Belgium) and "Flow of Funds Accounts of the Unites States", Board of Governors of the Federal Reserve System.
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