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 April 2026

    • Annual household deposits flows remained positive at €10.4 billion in the year to end-April 2026, recording the largest annual increase in the year so far.
    • Deposits with an agreed maturity up to 2 years increased by €2.2 billion in the year to end-April 2026, slightly lower than in the previous month.  This is €4.7 billion lower when compared to the same period last year.
    • Annual overnight deposits flows increased by €7.5 billion in the year to end-April 2026, the largest annual increase seen since May 2023. After surpassing deposits with an agreed maturity up to 2 years in September last year, overnight deposits flows remained higher in April 2026.

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

    Net lending to households was €231 million in April 2026. This movement was predominantly driven by loans for house purchase, with a €216 million flow in the month, albeit flows of loans for house purchase were halved when compared to March 2026. Loans for consumption contributed with a €99 million increase, while loans for other purposes recorded a negative flow worth €85 million in the month.

     

    In annual terms, lending to households increased by €5.7 billion, or 5.2 per cent, in the year to end-April 2026. 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, recording a €5.2 billion flow in the period. Loans for consumption contributed €822 million, while loans for other purposes decreased by €353 million in the same 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-April 2026 (see Table A.6).

    Section 2: Deposits from Irish Resident Households by Maturity

    Household deposits stock stood at €174.2 billion at the end of April 2026. Monthly flows peaked at €2.4 billion, the largest monthly increase in six years. Overnight deposits accounted for most of the overall flow, reporting a positive movement of €2.2 billion in the month. Deposits with an agreed maturity up to 2 years contributed €187 million in the same period, while flows of deposits with an agreed maturity of over 2 years were negligible, slightly in negative territory.

    On an annual basis, household deposits increased by €10.4 billion, or 6.3 per cent, in the year to end-April 2026. Although 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 €7.5 billion and €2.2 billion, respectively. Annual flows of deposits redeemable at notice remained positive at €641 million in April 2026.

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

    Net lending to non-financial corporations (NFCs) was positive in April 2026, recording flows of €103 million in the month. This was driven by medium-term loans, which recorded a positive flow of €287 million. Short-term and long-term loans were negative, recording outflows of €131 million and €53 million, respectively.

    In annual terms, loans to NFCs increased by €1.6 billion, or 5.8 per cent, in the year to end-April 2026. This was driven by medium-term loans, which recorded a positive annual flow of €1.3 billion in the period. Short-term and long-term loans were also positive but had a marginal contribution, recording flows worth €210 million and €132 million, respectively.

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

    NFC deposits stood at €84.4 billion at the end of April 2026 and showed a decline of €275 million in the month. This is a relatively small movement compared to larger fluctuations in previous months and was mostly driven by deposits with a maturity up to 2 years, which had a negative contribution of €414 million, partially offset by positive flows of overnight deposits worth €235 million in the month.

    In annual terms, NFC deposits increased by €5 billion in the year to end-April 2026. This was mostly driven by overnight deposits, with a positive annual flow of €4.6 billion in the period. Deposits with a maturity up to 2 years and deposits redeemable at notice remained positive with flows worth of €341 million and €40million, respectively.

    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 April 2026 | pdf 509 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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