Industry Statistics and Trends
Monetary Intermediation in Europe key trends
The higher base rate environment drives up revenue growth.
Central banks adopted aggressive tightening of monetary policy to curb spiralling inflation. Despite numerous cuts over the two years through 2025, rates remain high, supporting interest income.
Challenger banks pose a threat to traditional banks.
Challenger banks are winning customers over thanks to their customer-centric approach and friendly user experience.
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Monetary Intermediation in Europe
Industry Revenue
Total value and annual change from 2012-2030. Includes 5-year outlook.
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Monetary Intermediation in Europe market size (2020-2025)
Industry revenue has grown at a CAGR of 5.7 % over the past five years, to reach an estimated €1.2tr in 2025.
Trends and Insights
European banks enjoy the higher base rate environment
- Retail-focused lenders earn the majority of their revenue from the difference between loan income and deposit costs, known as net interest income.
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Monetary Intermediation in Europe outlook (2025-2030)
Market size is projected to grow over the next five years.
Challenger banks face a complex regulatory landscape over the coming years
- Technology and innovation, intensifying competition, regulatory complexity and evolving customer expectations are placing immense pressure on banks' traditional business models. The front-end revolutions will be a source of competition in the coming years. New entrants and challenger banks emphasise client relationships, pouring money into improving the user experience and offering hyper-personalised services.
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Revenue
€1.2tr
Employees
3m
Wages
€XXX.Xbn
European Leaders & Laggards
Top 5 Countries
Bottom 5 Countries
* CAGR values are for the years 2020-2025.
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Biggest companies in the Monetary Intermediation in Europe
| Company | Market Share (%)
2025 | Revenue (€m)
2025 | Profit (€m)
2025 | Profit Margin (%)
2025 |
|---|---|---|---|---|
HSBC Holdings plc | 28,341.0 | 26,381.0 | 93.1 | |
ING Group | 15,632.0 | 9,631.0 | 61.6 | |
Barclays plc | 15,431.0 | 9,731.0 | 63.1 |
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Monetary Intermediation in Europe
Products & Services Segmentation
Industry revenue broken down by key product and services lines.
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Top Questions Answered in this Report
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What is the market size of the Monetary Intermediation industry in Europe in 2025?
The market size of the Monetary Intermediation industry in Europe is €1.2tr in 2025.
How many businesses are there in the Monetary Intermediation industry in Europe in 2025?
There are 7,319 businesses in the Monetary Intermediation industry in Europe, which has grown at a CAGR of 1.4 % between 2020 and 2025.
Has the Monetary Intermediation industry in Europe grown or declined over the past 5 years?
The market size of the Monetary Intermediation industry in Europe has been growing at a CAGR of 5.7 % between 2020 and 2025.
What is the forecast growth of the Monetary Intermediation industry in Europe over the next 5 years?
Over the next five years, the Monetary Intermediation industry in Europe is expected to grow.
What does the Monetary Intermediation industry in Europe include?
Home loans and Business loans are part of the Monetary Intermediation industry in Europe.
How competitive is the Monetary Intermediation industry in Europe?
The level of competition is high and increasing in the Monetary Intermediation industry in Europe.
Related Industries
This industry is covered in 37 countries
Table of Contents
About this industry
Industry definition
The industry involves obtaining funds in the form of transferable deposits, i.e., funds that are fixed in money terms, obtained on a day-to-day basis and (apart from central banking) obtained from non-financial sources.
Related Terms
Wholesale FundingRing-FencingChallenger BanksWhat's included in this industry?
Home loansBusiness loansCentral bank operationsPersonal loansCompanies
HSBC Holdings plcING GroupBarclays plcIndustry Code
641 - Monetary intermediation in Europe
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Performance
Key Takeaways
European banks enjoy the higher base rate environment
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Revenue Highlights
Trends
- Revenue
- 2025 Revenue Growth
- Revenue Volatility
Employment Highlights
Trends
- Employees
- Employees per Business
- Revenue per Employee
Business Highlights
Trends
- Businesses
- Employees per Business
- Revenue per Business
Profit Highlights
Trends
- Total Profit
- Profit Margin
- Profit per Business
Current Performance
Charts
- Revenue in the Monetary Intermediation in Europe industry (2012 -2030)
- Employees in the Monetary Intermediation in Europe industry (2012 -2030)
- Business in the Monetary Intermediation in Europe industry (2012 -2030)
- Profit in the Monetary Intermediation in Europe industry (2012 -2030)
Analysis
What's driving current industry performance in the Monetary Intermediation in Europe industry?
Outlook
Analysis
What's driving the Monetary Intermediation in Europe industry outlook?
Volatility
Analysis
What influences volatility in the Monetary Intermediation in Europe industry?
Charts
- Industry Volatility vs. Revenue Growth Matrix
Life Cycle
Analysis
What determines the industry life cycle stage in the Monetary Intermediation in Europe industry?
Charts
- Industry Life Cycle Matrix
Products and Markets
Highlights
Trends
- Largest Market
- Product Innovation
Key Takeaways
Rate cuts support mortgage demand. The prospect of further rate cuts is set to drive demand for home loans over 2025, reducing the cost of borrowing.
Products and Services
Charts
- Products and Services Segmentation
Analysis
How are the Monetary Intermediation in Europe industry's products and services performing?
Analysis
What are innovations in the Monetary Intermediation in Europe industry's products and services?
Major Markets
Charts
- Major Market Segmentation
Analysis
What influences demand in the Monetary Intermediation in Europe industry?
International Trade
Highlights
- Total Imports into Europe
- Total Exports into Europe
Heat maps
- Industry Concentration of Imports by Country
- Industry Concentration of Exports by Country
Data Tables
Value and annual change (%) included
- Number of Imports and Exports by European Country (2025)
Geographic Breakdown
Business Locations
Heat maps
- Share of Total Industry Revenue by Region (2025)
- Share of Total Industry Enterprises by Region (2025)
- Share of Total Industry Employment by Region (2025)
- Share of Total Industry Wages by Region (2025)
Industry Geographic Breakdown
Data Tables
Values and annual change provided for 37 European countries:
- Revenue (2025)
- IVA (2025)
- Enterprises (2025)
- Employment (2025)
- Exports (2025)
- Imports (2025)
Competitive Forces
Highlights
Trends
- Concentration
- Competition
- Barriers to Entry
- Substitutes
- Buyer Power
- Supplier Power
Key Takeaways
Concentration is moderate in the Monetary Intermediary industry. The industry in Europe is generally characterised by a mix of large, internationally active banks and smaller, regional or national banks.
Supply Chain
Charts
Buyer and supply industries
Companies
Market Share
Charts
- Industry Market Share by Company (2020-2025)
Companies
Data Tables
Top 10 companies by market share:
- Market share (2025)
- Revenue (2025)
- Profit (2025)
- Profit Margin (2025)
Data Tables
- Countries of operation for HSBC Holdings plc
- Countries of operation for ING Group
- Countries of operation for Barclays plc
- Countries of operation for Lloyds Banking Group plc
- Countries of operation for Banco Santander S.A.
- Countries of operation for UniCredit SpA
- Countries of operation for BNP Paribas SA
- Countries of operation for Nordea Bank Abp
- Countries of operation for Credit Agricole SA
- Countries of operation for Deutsche Bank AG
External Environment
Highlights
Trends
- Regulation & Policy
- Assistance
Key Takeaways
Regulation for monetary intermediaries is vital for financial stability. Regulations and policies are established and enforced by government agencies, central banks and regulatory bodies at both the national and international levels.
External Drivers
Analysis
What demographic and macroeconomic factors impact the Monetary Intermediation in Europe industry?
Financial Benchmarks
Highlights
Trends
- Profit Margin
- Average Wage
- Largest Cost
Key Takeaways
The higher base rate environment ratchets up profitability. Higher interest rates allowed intermediaries to charge more on loans, supporting interest income and widening the average industry profit margin over 2023.
Cost Structure
Charts
- Share of Economy vs. Investment Matrix
-
Industry Cost Structure Benchmarks:
- Marketing
- Depreciation
- Profit
- Purchases
- Wages
- Rent
- Utilities
- Other
Analysis
What trends impact cost in the Monetary Intermediation in Europe industry?
Key Ratios
Data tables
- IVA/Revenue (2015-2030)
- Imports/Demand (2015-2030)
- Exports/Revenue (2015-2030)
- Revenue per Employee (2015-2030)
- Wages/Revenue (2015-2030)
- Employees per Establishment (2015-2030)
- Average Wage (2015-2030)
Country Benchmarks
European Leaders & Laggards
Data Tables
Top and bottom five countries listed for each:
- Revenue Growth (2025)
- Business Growth (2025)
- Job Growth (2025)
European Country Performance
Data Tables
Rankings available for 37 countries. Statistics ranked include:
- IVA/Revenue (2025)
- Imports/Demand (2025)
- Exports/Revenue (2025)
- Revenue per Employee (2025)
- Wages/Revenue (2025)
- Employees per Establishment (2025)
- Average Wage (2025)
Structural Comparison
Data Tables
Trends in 37 countries benchmarked against trends in Europe
- Concentration
- Competition
- Barriers to Entry
- Buyer Power
- Supplier Power
- Volatility
- Capital Intensity
- Innovation
- Life Cycle
Key Statistics
Industry Data
Data Tables
Including values and annual change:
- Revenue (2015-2030)
- IVA (2015-2030)
- Establishments (2015-2030)
- Enterprises (2015-2030)
- Employment (2015-2030)
- Exports (2015-2030)
- Imports (2015-2030)
- Wages (2015-2030)
Methodology
Where does IBISWorld source its data?
IBISWorld is a world-leading provider of business information, with reports on 5,000+ industries in Australia, New Zealand, North America, Europe and China. Our expert industry analysts start with official, verified and publicly available sources of data to build an accurate picture of each industry.
Each industry report incorporates data and research from government databases, industry-specific sources, industry contacts, and IBISWorld's proprietary database of statistics and analysis to provide balanced, independent and accurate insights.
IBISWorld prides itself on being a trusted, independent source of data, with over 50 years of experience building and maintaining rich datasets and forecasting tools.
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