What does the France banking sector structure table measure?

This table measures the structural indicators of the French financial sector, including the number of credit institutions, their employees, offices, and total assets. It also tracks regulated savings accounts, payment services, and insurance operations in France.

What is the source and frequency of this French banking data?

The data is published annually by the ECB Data Portal under the Banking Structural Statistical Indicators for France. The series provide annual updates on the evolution of the French financial system.

How far back do the French banking and savings series go?

The structural indicators for the French banking sector and regulated savings accounts are available starting from the first year of coverage in 1997.

Which breakdowns are available for French regulated savings accounts?

The regulated savings accounts data in France can be broken down by age groups, such as 18 to 24 years and 65 years and over, as well as by legal entities versus individuals.

France banking sector structure

Name: France banking sector structure
Creator: ECB Data Portal – Banking structural statistical indicators (SSI), France
License: https://creativecommons.org/licenses/by/4.0/

France banking sector structure and regulated savings accounts from the ECB.

Source: ECB Data Portal – Banking structural statistical indicators (SSI), FranceLast updated: Sep 17, 2026, 11:15Curated by Bui Thanh PhucAbout this data ↓

Indicator	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997
Employees of credit institutions	378,127	395,920	403,502	394,739	392,963	390,860	403,726	404,555	409,925	410,925	406,701	408,726	416,262	421,037	426,336	412,933	416,772	424,536	424,732	411,172	387,118	379,517	380,390	383,176	383,257	366,610	390,251
Offices of credit institutions	32,674	33,024	33,526	34,298	35,691	35,469	35,837	36,519	37,209	37,261	37,567	37,623	37,862	38,359	38,433	38,784	38,311	39,467	39,175	39,492	26,686	26,157	25,439	25,421	25,095	25,285	26,159
Branches and subsidiaries of foreign credit institutions6
Branches from other EU member states	59	56	56	53	60	65	64	62	65	67	69	66	68	65	69	71	74	74	69	64	61	62	58	59	61	63	59	56	55
Branches from other euro area member states	58	55	54	52	7	11	14	18	21	22	24	24	26	26	27	26	25	27	23	19	17	19	18	19	19	19	19
Branches from non-EU countries	26	27	25	26	19	19	20	21	20	22	22	24	23	22	23	24	24	25	26	27	28	29	30	30	29	32	33	36	41
Subsidiaries from other EU member states	7	8	10	11	35	39	42	43	46	48	51	51	51	56	60	64	76	94	106	107	114	117	136	157	173	169	143	138	117
Subsidiaries from other euro area member states	7	8	10	11	11	12	13	13	14	14	14	16	16	16	17	19	24	26	33	35	33	35
Subsidiaries from non-EU countries	32	32	33	34	34	35	37	38	40	44	46	47	56	61	61	63	60	59	59	59	57	63	64	69	74	87	93	110	97
Total assets of branches and subsidiaries of foreign credit institutions6
Branches from other EU member states	161,116	144,681	146,934	107,030	162,317	160,501	147,601	172,035	144,829	130,338	128,903	119,368	104,367	124,804	124,320	119,290	129,961	138,772	132,949	118,653								81,744	84,046
Branches from other euro area member states	160,548	144,212	145,901	106,496	74,565	84,739	75,136	103,826	82,552	66,159	69,741	66,717	57,026	71,024	70,086	59,315	67,044	83,982	79,765	73,591
Branches from non-EU countries	137,205	174,820	149,860	196,805	72,450	87,089	72,160	63,149	52,440	53,157	36,564	28,241	24,511	30,635	24,287	16,979	15,675	21,342	15,277	12,523								42,921	57,409
Subsidiaries from other EU member states	48,031	53,393	118,732	122,836	389,992	422,800	442,532	418,734	361,533	374,166	372,804	484,780	471,821	622,173	596,388	567,240	569,838	644,303	575,786	439,467								118,664	97,147
Subsidiaries from other euro area member states	48,031	53,393	118,732	122,836	245,870	269,476	287,958	263,925	204,234	204,008	207,556	310,855	299,651	348,234	331,391	286,057	290,555	353,520	350,558	271,562
Subsidiaries from non-EU countries	288,307	272,608	263,576	286,328	63,814	57,219	55,041	53,682	48,927	54,162	61,819	59,563	57,177	58,288	59,035	55,126	54,483	65,484	59,355	57,035								63,372	75,797
Concentration of the banking sector3
Share of the five largest credit institutions in total assets (CR5)	48.66	50.36	47.36	45.86	49.28	49.17	48.66	47.73	45.38	45.95	47.23	47.64	46.74	44.62	48.27	47.4	47.21	51.16	51.84	52.33	51.87	49.19	46.69	44.63	46.99	46.84	42.6
Herfindahl index for total assets	0.06	0.07	0.06	0.06	0.07	0.07	0.07	0.07	0.06	0.06	0.06	0.06	0.06	0.05	0.06	0.06	0.06	0.07	0.07	0.07	0.07	0.06	0.06	0.06	0.06	0.06	0.05
Herfindahl index for domestic credit	0.07	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.05	0.05	0.05
Institutions offering payment services4
Payment institutions	70	70	61	62	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	2	2	2
Electronic money institutions	29	26	28	24	16	15	14	11	9	8	7	5	4	5	4	2	2	2	2	2	2	2	2	1	1	1
Offices of resident credit institutions	17,736	18,900	19,390	19,267	34,574	31,664	34,562	35,301	36,063	36,575	37,084	37,523	37,767	37,930	38,075	38,727	38,238	39,017	39,298	39,759	40,389	39,825	39,351	26,162	26,049	25,657
Offices of the central bank	14	95	95	95	107	95	95	98	98	98	98	98	96	96	96	96	96	104	104	104	140	178	211	211	211	211
Payment and e-money accounts2
E-money accounts at electronic money institutions	8,444,449	9,696,396	8,116,271	10,223,125
Overnight deposit accounts held by non-MFIs at the central bank	2,516	2,538	2,536	2,804		25,721	26,499	26,989	27,514	27,802	28	29	29,000	29,000	29,000	30,000	30,000	31,000	31,000	32,000	32,000	30,000	66,000	68,000	72,000	73,000
Insurance and pension operations4
Premiums written1
Head office and branches2	410,824	398,246	345,510	331,795	326,577	280,794	313,349	302,963	291,981
Underwritten by the head office	388,328	375,665	324,881	310,662	307,368	265,298	294,489	287,276	276,640
Underwritten by branches	22,495	22,582	20,627	21,130	19,207	15,497	18,859	15,683	15,342
Claims incurred1
Head office and branches2	289,733	298,422	297,558	268,427	255,450	236,428	234,054	225,980	238,838
Underwritten by the head office	277,555	284,405	285,517	256,108	243,869	226,941	225,045	218,303	230,977
Underwritten by branches	12,176	14,020	12,042	12,317	11,580	9,490	9,009	7,674	7,859
Acquisition expenses	35,526	34,529	32,310	30,529	29,098	27,740	27,319	25,762	25,211
Members of pension funds1
All members3	11,155,278	10,921,786	10,821,223	10,729,656	1,830,099	1,417,987	466,306
Active members	5,855,104	5,681,792	5,763,110	5,715,587	721,583	494,841	213,793
Deferred members	3,852,964	3,754,439	3,803,796	3,719,977	644,040	515,574	180,994
Retired members	1,447,210	1,485,555	1,254,317	1,294,092	464,476	407,572	71,519
Regulated savings accounts4
Livret A10
Outstanding amount held by individuals	433,168	426,152	397,877	350,155	319,305	303,772	278,170	263,454	252,809	244,192	244,540	252,186	255,726	236,928	206,556	185,613	176,522	158,046
Number of accounts held by individuals	57,341,610	56,956,784	56,222,663	55,136,472	54,852,792	54,776,378	54,854,796	54,985,453	55,165,605	55,809,752	61,092,898	61,641,709	62,993,142	63,076,754	61,642,900	59,629,399	59,295,899	50,806,177
Deposits during the year	190,283	189,324	203,129	181,216	168,385	167,091	153,829	138,247	136,938	130,929	123,790	129,789	149,393	142,446	117,959	103,547	106,084
Withdrawals during the year	191,713	173,896	166,773	152,400	148,852	141,014	142,696	126,587	125,444	126,191	128,821	134,176	135,072	116,758	101,728	99,171	100,874
Net inflows	-1,430	15,428	36,357	28,816	19,533	26,077	11,132	11,660	11,493	4,737	-5,031	-4,387	14,321	25,688	16,232	4,376	5,210
Accounts opened	2,674,908	2,987,991	3,667,374	3,136,175	2,860,204	2,572,220	2,550,143	2,543,699	2,586,011	2,436,994	2,577,747	2,657,573	2,913,552	5,153,326	5,060,712	4,818,458	11,774,528
Accounts closed	2,414,580	2,359,512	2,696,504	2,819,033	2,729,885	2,510,623	2,773,802	2,784,560	3,476,309	7,807,769	3,244,958	4,020,101	3,433,581	3,292,545	3,178,257	3,321,261	3,868,550
Outstanding amount held by legal entities	15,720	15,440	16,033	24,828	23,785	22,536	20,257	20,267	18,789	15,274	11,259	10,687	10,189	9,558	9,766	5,334	7,997	5,110
Number of accounts held by legal entities	880,002	862,532	840,464	831,674	814,654	824,814	836,712	852,733	817,212	753,382	747,360	744,029	729,865	700,384	661,726	631,323	611,677	521,908
Outstanding amount by age of holder6
Under 12	16,233	16,256	15,284	13,040	11,952	11,488	10,078	10,566	10,061	10,036	10,069	10,428	10,351	10,340	8,224	7,359	5,983	4,832
12 to 17 years	14,414	13,994	12,861	10,909	9,702	8,978	8,240	7,605	7,117	6,783	6,713	6,700	7,122	6,645	7,223	6,648	5,047	3,531
18 to 24 years	23,447	22,586	20,334	17,859	16,176	14,904	12,371	11,637	10,688	10,356	10,186	10,166	10,178	9,822	8,639	7,753	5,824	4,664
25 to 44 years	91,877	90,814	85,596	77,121	71,510	68,063	57,251	56,471	53,546	52,128	51,842	52,889	53,357	50,739	42,705	38,039	35,899	30,057
45 to 64 years	133,182	132,907	125,655	111,423	101,352	97,181	89,702	85,991	82,266	79,843	79,975	83,472	87,211	81,958	69,703	62,964	60,859	54,628
65 years and over	153,793	149,385	137,953	119,626	108,298	102,954	97,381	91,071	88,574	84,500	85,111	88,004	86,400	77,403	70,962	63,781	63,815	61,097
Sustainable and solidarity development savings account (LDDS)8
Outstanding amount held by individuals	165,247	160,101	148,798	134,040	126,155	121,489	112,265	107,583	104,121	101,271	101,168	102,033	100,837	90,835	69,659	68,123	69,032	77,672
Number of accounts held by individuals	26,766,434	26,304,108	25,604,867	24,788,374	24,531,748	24,342,264	24,189,308	24,075,628	24,047,150	24,178,240	24,662,919	24,900,078	24,966,902	24,463,600	24,594,182	24,641,572	25,235,349	24,840,983
Deposits during the year	66,415	63,960	65,903	58,046	56,883	52,545	49,559	46,926	45,836	44,829	45,792	47,653	53,112	55,651	32,864	32,436	30,869
Withdrawals during the year	64,984	59,130	57,248	52,744	52,820	43,126	45,714	44,206	43,649	44,884	46,841	46,920	46,100	34,658	33,394	33,363	35,214
Net inflows	1,431	4,830	8,655	5,302	4,063	9,419	3,845	2,721	2,187	-56	-1,050	733	7,012	20,993	-531	-928	-4,345
Accounts opened	1,667,453	1,782,929	2,054,286	1,663,240	1,578,888	1,677,418	1,605,489	1,490,847	1,509,163	1,368,222	1,418,094	1,554,596	1,683,588	1,821,017	1,509,888	1,235,510	1,473,710
Accounts closed	1,205,993	1,162,609	1,240,192	1,342,338	1,434,710	1,502,849	1,549,661	1,562,856	1,741,177	1,963,344	1,639,470	1,674,406	1,618,123	1,638,266	1,613,711	1,873,536	1,745,316
Outstanding amount by age of holder4
18 to 24 years	2,805	2,643	2,235	1,773	1,537	1,364	1,133	1,003	879	817	842	890	911	870	673	750	888	1,123
25 to 44 years	30,769	30,019	27,880	25,171	24,130	23,405	21,193	20,355	19,996	19,957	20,540	21,200	21,298	19,784	15,766	16,121	16,779	18,586
45 to 64 years	59,960	58,957	56,015	51,202	48,473	47,068	43,367	41,629	40,342	39,256	39,273	40,147	39,410	36,548	27,698	27,269	27,225	27,334
65 years and over	71,712	68,481	62,666	55,893	52,015	49,617	46,571	44,595	42,902	41,237	40,508	39,788	38,187	33,620	25,516	23,956	24,107	22,561
Popular savings account (LEP)8
Outstanding amount held by individuals	83,733	82,058	71,757	47,853	38,325	39,345	39,405	43,392	44,099	44,853	45,641	46,478	48,289	50,917	52,436	54,406	58,054	65,064
Number of accounts held by individuals	12,131,420	11,871,335	10,907,532	8,334,943	6,869,707	7,040,081	7,293,939	8,519,018	8,731,428	8,862,090	8,921,730	8,893,977	9,198,711	10,011,870	10,409,709	10,938,387	11,771,557	13,183,586
Deposits during the year	27,156	27,391	31,971	17,995	10,740	11,874	11,854	10,796	10,819	10,906	10,800	11,667	13,558	15,313	15,960	16,898	18,427
Withdrawals during the year	28,092	21,829	15,357	11,890	11,545	10,979	14,292	11,428	11,700	12,004	11,794	14,027	16,936	16,887	18,321	20,805	22,430
Net inflows	-937	5,563	16,614	5,812	-805	895	-2,438	-632	-881	-1,097	-994	-2,360	-3,378	-1,573	-2,361	-3,906	-4,002
Accounts opened	1,213,705	1,618,442	3,199,502	2,098,606	651,880	706,931	850,693	525,476	586,710	590,321	579,974	872,934	1,022,217	1,136,082	1,307,499	1,218,630	1,297,813
Accounts closed	976,988	655,278	606,554	609,316	893,538	960,672	2,094,530	785,582	757,485	673,495	514,687	1,198,869	1,832,841	1,492,485	1,993,291	2,053,562	3,071,491
Outstanding amount by age of holder4
18 to 24 years	2,432	2,740	2,537	1,065	405	410	381	305	309	332	348	396	482	539	487	589	745	1,016
25 to 44 years	19,840	19,467	16,535	9,451	6,575	6,719	6,571	7,317	7,620	7,980	8,119	8,288	8,991	9,937	10,628	11,560	12,914	15,793
45 to 64 years	22,813	22,916	20,613	14,031	11,208	11,550	11,643	13,009	13,006	13,022	13,007	13,073	13,627	14,525	15,201	15,640	16,351	17,854
65 years and over	38,648	36,934	32,072	23,306	20,137	20,665	20,808	22,761	23,164	23,519	24,168	24,720	25,189	25,910	26,311	26,607	27,638	27,413
Home savings plan (PEL)8
Outstanding amount held by individuals	204,762	226,289	257,116	287,854	296,127	294,483
Number of accounts held by individuals	8,163,905	9,045,314	9,935,340	11,252,306	12,235,060	12,846,850
Deposits during the year	16,700	19,055	20,784	25,462	24,714	27,601
Withdrawals during the year	43,061	56,748	58,154	41,946	29,354	26,612
Net inflows	-26,361	-37,693	-37,370	-16,484	-4,640	989
Accounts opened	776,852	1,342,191	1,059,519	709,730	777,265	810,377
Accounts closed	1,656,078	2,418,665	2,379,873	1,535,588	1,445,028	1,397,594
Outstanding amount by age of holder4
18 to 24 years	8,781	9,474	10,559	11,875	12,212	10,665
25 to 44 years	36,367	41,232	47,329	53,742	55,895	49,384
45 to 64 years	66,872	75,042	87,182	99,181	102,058	93,630
65 years and over	88,067	94,931	105,916	116,118	118,115	97,505

Latest reading

Employees of credit institutions stood at 378,127 Persons in 2025. That is −4.5% from 2024. The series on this page is annual and runs from 1999 to 2025. Source: ECB Data Portal – Banking structural statistical indicators (SSI), France.

Latest: 378,127 Persons; 2025
vs previous period: −4.5%; 2024

About this data

France banking sector structure and regulated savings accounts from the ECB. This annual dataset tracks the number of credit institutions, employees, offices, and total assets since 1997. It also covers payment services, e-money accounts, insurance operations, and regulated savings accounts. Measures include outstanding amounts held by individuals, net inflows, and the Herfindahl concentration index.

Frequently asked questions

What does the France banking sector structure table measure?: This table measures the structural indicators of the French financial sector, including the number of credit institutions, their employees, offices, and total assets. It also tracks regulated savings accounts, payment services, and insurance operations in France.
What is the source and frequency of this French banking data?: The data is published annually by the ECB Data Portal under the Banking Structural Statistical Indicators for France. The series provide annual updates on the evolution of the French financial system.
How far back do the French banking and savings series go?: The structural indicators for the French banking sector and regulated savings accounts are available starting from the first year of coverage in 1997.
Which breakdowns are available for French regulated savings accounts?: The regulated savings accounts data in France can be broken down by age groups, such as 18 to 24 years and 65 years and over, as well as by legal entities versus individuals.