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 June2026

    • Annual household deposits flows remained positive at €9 billion in the year to end-June 2026, lower than in the previous month.
    • Deposits with an agreed maturity up to 2 years increased by €1.6 billion in the year to end-June 2026, remaining positive and only slightly lower than in the previous month. This is in line with a positive and steadily declining annual growth observed since February 2025.
    • Annual overnight deposits flows, on the other hand, have been positive since January 2025 and increased by €6.7 billion in the year to end-June 2026. For the second month in a row, this is a lower value than in the previous month, but the series appears to have stabilized and shows less signs of variability. After surpassing deposits with an agreed maturity up to 2 years in September 2025, overnight deposits flows remained higher in June 2026 and for the tenth month in a row.

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

    Net lending to households was €794 million in June 2026, which is more than twice the flow recorded in the previous month. This movement was mostly driven by loans for house purchase, with a €676 million flow in the month, while loans for consumption and loans for other purposes contributed €65 million and €54 million, respectively.

     

    In annual terms, lending to households increased by €5.9 billion, or 5.4 per cent, in the year to end-June 2026. This annual growth remains the same after accounting for the impact of repayments on securitised loans. Loans for house purchase were the main driver, recording €5.2 billion in the period. Loans for consumption, on the other hand, contributed €820 million in the period. The annual change in loans for house purchase, including both on-balance sheet and securitised loans, was 5.7 per cent in the year to end-June 2026 (see Table A.6).

     

    Section 2: Deposits from Irish Resident Households by Maturity

    Household deposits were muted in June 2026, with a minor reduction of €90 million. Household deposits stock stood at €174.9 billion at the end of the month. As with the overall flow, all categories recorded minimal movements: deposits redeemable at notice recorded a positive €71 million flow in the month, while overnight deposits dropped by €134 million in the same period.

     

    On an annual basis, household deposits increased by €9 billion, or 5.4 per cent, in the year to end-June 2026. Even though all maturities recorded positive flows in the period, overnight deposits stood as the main driver, with a positive flow worth €6.7 billion, followed by deposits with an agreed maturity up to 2 years with a €1.6 billion flow. Annual flows of deposits redeemable at notice remained positive at €676 million in June 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 June 2026 and higher than in the past three months, recording flows worth €337 million in the month. This was mainly driven by short-term loans, which recorded a positive flow of €264 million in the month. Long-term loans increased by €141 million, while medium-term loans recorded negative flows worth €68 million in the period.

    In annual terms, loans to NFCs increased by €1.7 billion, or 6.2 per cent, in the year to end-June 2026, similar to the previous month. This was mostly driven by medium-term loans, and to a lower extent, by long-term loans, with positive annual flows worth €1.1 billion and €675 million, respectively. Short-term loans, on the other hand, were muted in the year to end-June 2026.

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

    NFC deposits stood at €85.8 billion at the end of June 2026 and flows in the month turned positive at €2 billion. This follows two months of negative flows in a series characterized by high variability. This was entirely driven by overnight deposits, which had a positive contribution of €2.4 billion, only partially offset by deposits with an agreed maturity up to 2 years, which decreased by €407 million in the month.

    While annual NFC deposit flows maintained a positive momentum, they experienced a decrease, consistent with the series variable trend.

     

    In annual terms, NFC deposits increased by €4.7 billion in the year to end-June 2026, lower than in previous months. The increase was primarily driven by positive movements of overnight deposits, with annual flows worth €4.3 billion. The rest of the categories were positive and close to muted, with a minimal or no contribution to the overall flow in the period.

     

    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 June 2026 | pdf 441 KB Money and Banking Statistics Explanatory Notes | pdf 1007 KB Credit Institutions Resident in the Republic of Ireland | pdf 113 KB

    Contact Us: creditinst@centralbank.ie