Bank Balance Sheets

Money and Banking Statistics

The Money and Banking Statistics contain data on the liabilities and assets of within-the-State offices of credit institutions. These data are further broken down by institutional sector, residency of counterparties, and by the type and maturity of the main asset (loans, holdings of securities) and liability instruments (deposits, securities issued) of interest. Detailed statistics are available on developments in Irish mortgage, consumer and deposit markets.

Highlights in August 2026

    • Annual household deposit flows remained positive at €7.9 billion in the year to end-August 2026, however, this was the lowest annual increase seen since early 2025.
    • Deposits with an agreed maturity up to 2 years increased by €1.2 billion in the year to end-August 2026, remaining positive and slightly lower than in the previous month. This is in line with a positive but steadily declining annual growth rate observed since February 2025.
    • Annual overnight deposit flows remained positive, increasing by €6.2 billion in the year to end-August 2026, although this showed a 16 per cent decline when compared to the same period in July 2026. After surpassing deposits with an agreed maturity up to 2 years in September 2025, overnight deposit flows remained higher in August 2026.

    Section 1: Loans to Households by Lending Purpose (excluding securitised loans)

    Net lending to households was €438 million in August 2026. Monthly flows were lower than in the previous month. This movement was mostly driven by loans for house purchase, with a €371 million flow in the month. Loans for consumption contributed with a €99 million increase, while loans for other purposes recorded a negative flow of €31 million in the month

     

     

     

    In annual terms, lending to households increased by €6 billion, or 5.4 per cent, in the year to end-August 2026, marking the largest annual increase since early 2009. This also stands at 5.4 per cent after accounting for the impact of repayments on securitised loans. Similarly to monthly developments, loans for house purchase were the main driver, recording a €5.3 billion annual flow in the period. Loans for consumption contributed €841 million, while loans for other purposes decreased by €150 million in the period. The annual change in loans for house purchase, including both on-balance sheet and securitised loans, was 5.7per cent in the year to end-August 2026 (see Table A.6).


     

     

    Section 2: Deposits from Irish Resident Households by Maturity

     

    Households’ deposit stock stood at €176 billion at the end of August 2026. Household deposits decreased by €393 million in the month, marking the largest monthly decline since November 2025. Most categories had negative contributions, with overnight deposits as the predominant driver, reporting a negative flow of €435 million in the month.

     

     

     

     

     

    On an annual basis, household deposits increased by €7.9 billion, or 4.7 per cent, in the year to end August 2026. This was the lowest annual increase since the end of 2024. Even though all maturities recorded positive flows in the period, overnight deposits, and to a lower extent, deposits with an agreed maturity up to 2 years, stood as the main drivers, recording flows of €6.2 billion and €1.2 billion, respectively. Annual flows of deposits redeemable at notice remained positive at €469 million in August 2026, driven by a one-off significantly elevated monthly flow in July 2025, but monthly flows have been muted since then.

     


     

     

    Section 3: Loans to Non-Financial Corporations (NFC) by Original Maturity

    Net lending to non-financial corporations (NFCs) was positive in August 2026, recording flows worth €136 million in the month. This was mainly driven by short-term loans, which recorded a positive flow of €139 million. Medium-term loans were also positive, recording flows of €24 million, whereas long-term loans recorded negative flows worth €27 million.

     

     

    In annual terms, loans to NFCs increased by €2.5 billion, or 8.9 per cent, in the year to end-August 2026. This was driven by medium-term loans, which recorded a positive annual flow of €1.2 billion in the period, and to a lower extent, by long-term and short-term loans, with positive flows worth €757 million and €518 million, respectively.  

     

     

    Section 4: Deposits from Non-Financial Corporations (NFC) by Maturity

     

    NFC deposits stood at €86.7 billion at the end of August 2026. Monthly flows were positive at €477 million, slightly lower than the previous month but in line with the high variability observed in the series. This was driven by overnight deposits, which had a positive contribution of €1.4 billion, although this was partly offset by negative flows within short-term deposits worth €1 billion. The other categories remained positive but had a marginal impact on the overall movement.

     

     

     

     

    In annual terms, NFC deposits increased by €2.8 billion in the year to end-August 2026, lower than in previous months, recording the lowest level seen since October 2025. This was primarily driven by positive overnight deposits flows in the period worth €3.4 billion, partially offset by deposits with an agreed maturity of up to 2 years, which recorded a negative flow of €792 million.

     

     

    Note 1:

    Money and Banking statistics cover all credit institutions resident in Ireland. This includes licensed banks, building societies and, since January 2009, credit unions. A resident office means an office or branch of the reporting institution which is located in the Republic of Ireland. Data are reported in respect of resident office business only. Recent data are often provisional and may be subject to revision. For further detail, please see the Money and Banking webpage for:

    Irish-headquartered banks refers to institutions whose ultimate parent entity is resident in Ireland.

    Note 2:

    A number of lenders have agreed payment breaks with their customers since the onset of the COVID-19 crisis. These breaks are likely to significantly affect the Money and Banking lending data in this period, predominantly by keeping outstanding loan balances higher than they would be, had repayments followed their initial schedule. As well as this, end-quarter months’ data is affected by quarterly interest capitalisation, which increases balances in on-quarter months.

    Note 3:

    Convenience credit debt is defined as the credit granted at an interest rate of 0 per cent in the period between payment transaction(s) undertaken with the card during one billing cycle and the date at which debit balances from the specific billing cycle becomes due. Extended credit debt is defined as the credit granted after the due date(s) of the previous billing cycle(s) has/have passed, for which an interest rate is charged.

    Note 4:

    Treatment of securitised loans

    As a result of an update to the ECB Regulation ‘on the statistical reporting of balance sheet items of credit institutions and of the monetary financial institutions sector (recast) (ECB/2021/2)’, there have been changes to how certain securitised loans are required to be classified for the purposes of statistical reporting. The below treatment, allowed under the previous Regulation, is no longer permitted under the updated Regulation:

    ‘MFIs (….) may be allowed by their NCB to exclude from the stocks (…) any loans disposed of by means of a securitisation in accordance with national practice (…)’

    The removal of this clause means that banks are now required to report all previously excluded securitised balances within their on-balance sheet stocks of outstanding loans.

    This has resulted in an increase in the on-balance sheet stock of house purchase loans in tables such as Table A.1 and Table A.4.

    These securitised loans were already captured in Table A.6, which combined on-balance sheet and securitised loans since the series began in January 2003. This change does not impact on published transactions and growth rates for January 2022. As a result of this change, we will be discontinuing publication of confidential series within table A.6 in the future.

    Note 5:

    In March 2023 the outstanding amounts and transactions of domestic household deposits increased following the entry of a credit institution into the Irish market. Without this addition the household deposit growth in the year would have been lower still.

    Statistical classification of sole proprietors

    In line with their treatment in ESA 2010, the Central Bank is harmonising the treatment of sole proprietors by reporting agents across various datasets. This has resulted in a reclassification of loans and deposits from the NFC to the Household sector. These amendments have been made with respect to January 2022 reference data, with revisions to historical data to follow. Specifically, these changes mean an increase in loan and deposit balances reported against the household sector, and a decline in balances reported against the NFC sector. This change does not impact on published transactions and growth rates for January 2022.

    Related Data Sets

    View all related data sets.

    Additional Information

    Money and Banking Statistics August 2026 | pdf 508 KB Money and Banking Statistics Explanatory Notes | pdf 1007 KB Credit Institutions Resident in the Republic of Ireland | pdf 124 KB

    Contact Us: creditinst@centralbank.ie