DEUTSCHE BANK AG Deutsche Bank Jan Schildbach
Research 1 December 2016
Deutsche Bank Research
European banks: Non-performing loans, negative rates & regulation
Nicosia, 1 December 2016
Jan Schildbach
Agenda
1Non-performing loans & negative rates
2
Regulation
High - and often rising - private-sector debt levels in Europe
Credit to households% of GDP
Credit to non-financial corporations% of GDP
100
80
60
40
20
200
160
120
80
40
267
0
FR DE UK US Euro
area
IT ES PT GR IE SE
0
FR DE UK US Euro
area
IT ES PT GR IE SE
2005 2015
2005 2015
Source: BIS
Source: BIS
Strong policy response as a result of deep crises: Record-low interest rates
Corporate lending rates in the euro area, by loan size%, new business
5.0
4.5
Retail lending rates in the euro area%, new business
4.5 9
4.0 8
4.0
3.5
3.0
2.5
2.0
1.5
1.0
11 12 13 14 15 16
3.5
3.0
2.5
2.0
1.5
7
6
5
4
3
11 12 13 14 15 16
Mortgages (left)
Loans to non-financial corporations, EUR ≤ 1 m Loans to non-financial corporations, EUR > 1 m Loans to self-employed & non-corporate businesses
Source: ECB
Loans to self-employed & non-corporate businesses (left) Consumer credit (right)
Source: ECB
Deutsche Bank AG published this content on 01 December 2016 and is solely responsible for the information contained herein.
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