French banks non-deposit funding share
French banks non-deposit funding share stood at 15.57% in Aug 2026, according to ECB Data Portal – Risk assessment indicators (RAI), France. It is one of the indicators in the Banking risk indicators table (Value · Monthly), with a complete series running from Sep 1997 to Aug 2026. The complete series with an interactive chart, free to download.
This indicator in the Banking risk indicators table
| Indicator | 08-2026 | 07-2026 | 06-2026 | 05-2026 | 04-2026 | 03-2026 | 02-2026 | 01-2026 | 12-2025 | 11-2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Funding and leverage | |||||||||||
| Non-deposit funding of banks | 15.57 | 15.59 | 15.61 | 15.64 | 15.64 | 15.72 | 15.61 | 15.61 | 15.73 | 15.65 | |
| Share of short-term funding in market funding | 77.43 | 77.36 | 77.29 | 77.14 | 77.07 | 76.74 | 77.05 | 77.04 | 76.52 | 76.85 |
Understanding french banks non-deposit funding share
This statistic measures the share of bank liabilities funded through non-deposit instruments relative to total bank funding structures. It captures reliance on wholesale debt markets, debt securities, interbank borrowings, and other market-based funding sources rather than traditional retail customer deposits. Excluded from this metric are resident household and corporate deposits that form the core retail deposit base. Unlike metrics tracking retail deposit stability, this series reflects banking sector exposure to wholesale market sentiment and institutional liquidity conditions.
Monthly variations can reflect strategic liability management, wholesale debt issuance windows, and shifts in retail deposit pricing by competitors. Preliminary data often undergoes revision as institutions finalize monthly balance sheet returns and categorize complex funding instruments. Observers should evaluate trend changes over medium-term horizons, keeping in mind that higher non-deposit funding shares typically increase sensitivity to external financial market volatility.
Frequently asked questions
- What types of liabilities are included in non-deposit funding?
- Issued debt securities, money market paper, interbank borrowings, and subordinated debt instruments are included.
- Why do banks monitor their reliance on non-deposit funding?
- Wholesale market funding is generally more volatile and expensive during periods of financial stress compared to stable retail deposits.
- Are corporate deposits classified as non-deposit funding in this series?
- Customer deposits from both households and non-financial corporations are typically grouped under traditional deposits, excluding them from this specific non-deposit metric.