Summary statistics
| Size | Variable | Mean | Std. Dev. | Median | Min. | Max. |
|---|---|---|---|---|---|---|
| 5 larger groups | Net NPLs ratio | 6.53% | 5.09% | 5.99% | 0.00% | 25.33% |
| Gross NPLs ratio | 11.06% | 8.26% | 9.59% | 0.00% | 35.29% | |
| Bank overdrafts | 13.45% | 9.30% | 12.00% | 0.39% | 76.02% | |
| Mortgage loans | 45.71% | 20.67% | 50.97% | 0.00% | 71.43% | |
| Consumer loans | 4.30% | 10.36% | 1.45% | 0.00% | 56.57% | |
| Average rate on loans | 3.28% | 1.42% | 3.04% | 0.51% | 9.58% | |
| Large banks | Net NPLs ratio | 5.52% | 5.00% | 3.95% | 0.08% | 21.67% |
| Gross NPLs ratio | 8.94% | 7.69% | 6.39% | 0.19% | 33.33% | |
| Bank overdrafts | 19.99% | 11.84% | 17.83% | 2.02% | 60.45% | |
| Mortgage loans | 41.12% | 19.30% | 44.27% | 1.60% | 84.98% | |
| Consumer loans | 1.87% | 1.43% | 1.34% | 0.00% | 5.83% | |
| Average rate on loans | 3.22% | 1.44% | 3.13% | 0.43% | 9.70% | |
| Small banks | Net NPLs ratio | 8.03% | 5.82% | 6.59% | 0.15% | 52.91% |
| Gross NPLs ratio | 12.27% | 8.66% | 10.36% | 0.37% | 77.13% | |
| Bank overdrafts | 19.04% | 10.06% | 17.36% | 0.00% | 71.92% | |
| Mortgage loans | 52.34% | 16.29% | 54.86% | 0.00% | 87.42% | |
| Consumer loans | 4.10% | 8.74% | 1.96% | 0.00% | 98.74% | |
| Average rate on loans | 3.95% | 1.26% | 3.73% | 0.01% | 7.94% | |
| Mutual banks | Net NPLs ratio | 8.37% | 4.84% | 7.35% | 0.00% | 26.54% |
| Gross NPLs ratio | 12.13% | 7.14% | 10.44% | 0.00% | 37.36% | |
| Bank overdrafts | 21.14% | 8.81% | 19.81% | 0.02% | 59.48% | |
| Mortgage loans | 61.52% | 10.14% | 62.59% | 0.02% | 85.30% | |
| Consumer loans | 2.06% | 3.01% | 1.38% | 0.00% | 62.58% | |
| Average rate on loans | 4.44% | 1.20% | 4.32% | 1.41% | 8.73% | |
| Total | Net NPLs ratio | 8.16% | 5.06% | 7.15% | 0.00% | 52.91% |
| Gross NPLs ratio | 12.03% | 7.50% | 10.33% | 0.00% | 77.13% | |
| Bank overdrafts | 20.44% | 9.29% | 19.23% | 0.00% | 76.02% | |
| Mortgage loans | 58.80% | 13.34% | 60.91% | 0.00% | 87.42% | |
| Consumer loans | 2.49% | 4.98% | 1.45% | 0.00% | 98.74% | |
| Average rate on loans | 4.28% | 1.27% | 4.12% | 0.01% | 9.70% |
| Size | Variable | Mean | Std. Dev. | Median | Min. | Max. |
|---|---|---|---|---|---|---|
| 5 larger groups | Net NPLs ratio | 6.53% | 5.09% | 5.99% | 0.00% | 25.33% |
| Gross NPLs ratio | 11.06% | 8.26% | 9.59% | 0.00% | 35.29% | |
| Bank overdrafts | 13.45% | 9.30% | 12.00% | 0.39% | 76.02% | |
| Mortgage loans | 45.71% | 20.67% | 50.97% | 0.00% | 71.43% | |
| Consumer loans | 4.30% | 10.36% | 1.45% | 0.00% | 56.57% | |
| Average rate on loans | 3.28% | 1.42% | 3.04% | 0.51% | 9.58% | |
| Large banks | Net NPLs ratio | 5.52% | 5.00% | 3.95% | 0.08% | 21.67% |
| Gross NPLs ratio | 8.94% | 7.69% | 6.39% | 0.19% | 33.33% | |
| Bank overdrafts | 19.99% | 11.84% | 17.83% | 2.02% | 60.45% | |
| Mortgage loans | 41.12% | 19.30% | 44.27% | 1.60% | 84.98% | |
| Consumer loans | 1.87% | 1.43% | 1.34% | 0.00% | 5.83% | |
| Average rate on loans | 3.22% | 1.44% | 3.13% | 0.43% | 9.70% | |
| Small banks | Net NPLs ratio | 8.03% | 5.82% | 6.59% | 0.15% | 52.91% |
| Gross NPLs ratio | 12.27% | 8.66% | 10.36% | 0.37% | 77.13% | |
| Bank overdrafts | 19.04% | 10.06% | 17.36% | 0.00% | 71.92% | |
| Mortgage loans | 52.34% | 16.29% | 54.86% | 0.00% | 87.42% | |
| Consumer loans | 4.10% | 8.74% | 1.96% | 0.00% | 98.74% | |
| Average rate on loans | 3.95% | 1.26% | 3.73% | 0.01% | 7.94% | |
| Mutual banks | Net NPLs ratio | 8.37% | 4.84% | 7.35% | 0.00% | 26.54% |
| Gross NPLs ratio | 12.13% | 7.14% | 10.44% | 0.00% | 37.36% | |
| Bank overdrafts | 21.14% | 8.81% | 19.81% | 0.02% | 59.48% | |
| Mortgage loans | 61.52% | 10.14% | 62.59% | 0.02% | 85.30% | |
| Consumer loans | 2.06% | 3.01% | 1.38% | 0.00% | 62.58% | |
| Average rate on loans | 4.44% | 1.20% | 4.32% | 1.41% | 8.73% | |
| Total | Net NPLs ratio | 8.16% | 5.06% | 7.15% | 0.00% | 52.91% |
| Gross NPLs ratio | 12.03% | 7.50% | 10.33% | 0.00% | 77.13% | |
| Bank overdrafts | 20.44% | 9.29% | 19.23% | 0.00% | 76.02% | |
| Mortgage loans | 58.80% | 13.34% | 60.91% | 0.00% | 87.42% | |
| Consumer loans | 2.49% | 4.98% | 1.45% | 0.00% | 98.74% | |
| Average rate on loans | 4.28% | 1.27% | 4.12% | 0.01% | 9.70% |
Note(s): Banks' size classification: (1) 5 larger groups are banks belonging to the five larger groups; (2) large banks with intermediated funds greater than 21.5 billion euros; (3) small banks with intermediated funds between 3.6 and 21.5 billion euros; (4) mutual banks (BCC) with intermediated funds less than 3.6 billion euros. NPLs is the ratio of gross and net NPLs to total gross and net loans, respectively. ; ; are the loan level variables; Average rate on loans is the ratio between interest revenues to total gross loans
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