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 December 2025

    • Annual household deposits flows maintained an upward trend from 2024 and remained positive at €10.6 billion in the year to end-December 2025. Annual household deposits flows stood at €6.9 billion in 2024, up from €4.4 billion in 2023.
    • Deposits with an agreed maturity up to 2 years increased by €3.5 billion in the year to end-December 2025, remaining positive but on a continued reduced pace. Annual growth for this category turned positive in June 2023 and recorded a steady increase up until September 2024. It has since then remained positive but slowing down steadily. This follows the trend observed in previous months and is consistent with declining interest rates.
    • Annual overnight deposits flows, on the other hand, increased by €6.4 billion in the year to end-December 2025 and were positive the entire year. After surpassing deposits with an agreed maturity up to 2 years in September, annual overnight deposits flows remained higher in December 2025.

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

    Net lending to households was €876 million in December 2025, higher than in the previous month and in line with similar behaviour on the same month in past years. This movement was entirely driven by loans for house purchase, with a €935 million flow in the month, the highest since September 2008, when monthly flows from that category stood at €986 million. Loans for other purposes and loans for consumption had a negative contribution with outflows in the month worth €46 million and €13 million, respectively.

    In annual terms, lending to households increased by €5.5 billion, or 5.2 per cent, in the year to end-December 2025. This falls to 5.1 per cent after accounting for the impact of repayments on securitised loans. Similarly to monthly developments, loans for house purchase were the main driver, with €5 billion of net lending in the period. Loans for consumption contributed with €900 million, while loans for other purposes decreased by €365 million in the same period.


    The annual change in loans for house purchase, including both on-balance sheet and securitised loans, was 5.5 per cent in the year to end-December 2025 (see Table A.6).

    Section 2: Deposits from Irish Resident Households by Maturity

    Household deposits remained muted in December 2025, increasing by just €78 million after recording a negative flow in November. Household deposits stock stood at €169.8 billion at the end of the month. This was mostly driven by deposits redeemable at notice and deposits with an agreed maturity up to 2 years, which contributed €69 million and €61 million, respectively. Overnight deposits, on the other hand, dropped by €48 million in the month.

    On an annual basis, household deposits increased by €10.6 billion, or 6.7 per cent, in the year to end-December 2025. 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 worth €6.4 billion and €3.5 billion, respectively. Annual flows of deposits redeemable at notice remained positive at €653 million in December 2025, driven by a one-off significantly elevated monthly flow in July 2025, but monthly flows have been muted since then. Deposits with an agreed maturity over 2 years remained muted and have showed no activity since April 2024.

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

    Net lending to non-financial corporations (NFCs) was negative in December 2025, recording outflows worth €651 million in the month. Even though all categories reported negative flows, this was mainly driven by medium-term loans, which recorded an outflow of €389 million in the month, and to a lower extent, by short-term loans, with outflows worth €257 million in the period. Flows of long-term loans was negative at €5 million.

    In annual terms, loans to NFCs increased by €1.3 billion, or 4.6 per cent, in the year to end-December 2025. This was driven by medium-term loans, which recorded a positive annual flow of €1 billion in the period. Short-term loans were positive at €607 million, while long-term loans recorded negative flows of €309 million in the period.

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

    NFC deposits flows were positive at €4.6 billion in December 2025, which is significant compared to the negative flow of €1.5 billion recorded in November and stands as the largest monthly flow in the year. This is in line with the high variability observed in the series. NFC deposits stood at €89.2 billion at the end of the month. This was entirely driven by overnight deposits, which had a positive contribution of €4.4 billion.

    In annual terms, NFC deposits increased by €4.1 billion in the year to end-December 2025, lower than the annual flow of €4.4 billion recorded in the previous month and down from the €5.9 billion annual flow recorded in December 2024. This was primarily driven by positive movements of overnight deposits, with annual flows worth €2.6 billion in the period, and to lower extent, by maturity up to 2 years, which recorded an annual flow of €1.4 billion.

    Related Data Sets

    View all related data sets.

    Additional Information

    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.

    Money and Banking Statistics December 2025 | pdf 412 KB Money and Banking Statistics Explanatory Notes | pdf 1007 KB Credit Institutions Resident in the Republic of Ireland | pdf 113 KB

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