Facts & Figures 2025

EBF Facts & Figures 2025

Brussels, 19 December 2025 - The European Banking Federation (EBF) has published Facts & Figures 2025, its annual update on the banking sector in Europe. Building on 2024 data from the European Central Bank (ECB), the statistical publication provides users with a unique perspective on the structure, performance, lending, and deposit trends in European banking alongside a country-by-country overview.

While European banks have proven resilient and capable of overcoming unforeseen conditions, the structural transformation of the sector continued in 2024 with the intent of increasing efficiency and enhancing profitability. The total number of credit institutions declined to 4,834 in 2024, representing a 1.9% decrease compared to the previous year and reflecting a significant contraction over the last 16 years. This restructuring also impacted branches with the number of banks' branches falling to about 126,952, a decline of 2.5% compared to a year earlier.

The banking statistics for 2024 show that the total value of loans outstanding from EU Credit Institutions increased by 0.12% in 2024 to about €26.84 trillion. Also, total deposits by counterparts (businesses and households) grew by around 4.55% to €17.05 trillion in the EU27. Deposits from households rose by 3.90% compared to a year earlier, while business deposits increased by 3.28%. Data also confirms the upward trend in the total assets held by EU credit institutions expanding in 2024 for the seventh consecutive year and amounting to €45.1 trillion.

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For more information please contact:

Francisco Saravia
Senior Policy Adviser - Prudential Policy & Supervision, [email protected]