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 September 2026

    • Annual household deposits flows remained positive at €8.6 billion in the year to end-September 2026, slightly higher than in the previous month, when these recorded their lowest annual increase since early 2025.
    • Deposits with an agreed maturity up to 2 years increased by €1.2 billion in the year to end-September 2026, remaining positive and just slightly higher than in the previous month, which is an exception to declining but positive annual growth rates observed since February 2025.
    • Annual overnight deposits flows were positive at €6.8 billion in the year to end-September 2026, higher than in the previous month. After surpassing deposits with an agreed maturity up to 2 years in September 2025, overnight deposit flows have remained higher for a year.

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

    Net lending to households was €766 million in September 2026, higher than in the previous month. This movement was entirely driven by loans for house purchase, with a €767 million flow in the month. Loans for consumption had a negligible positive contribution, offset by negative flows from loans for other purposes of a similar magnitude.

    In annual terms, lending to households increased by €5.9 billion, or 5.3 per cent, in the year to end-September 2026. This also stands at 5.3 per cent after accounting for the impact of repayments on securitised loans. Similar 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 €802 million, while loans for other purposes decreased by €165 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-September 2026 (see Table A.6).

     

    Section 2: Deposits from Irish Resident Households by Maturity

     

    Households’ deposits stock stood at €176.9 billion at the end of September 2026. Household deposits increased by €871 million in the month, after recording a negative flow in the previous month. This is in line with the high variability of the series. Overnight deposits stood as the predominant driver, reporting a positive flow of €632 million in the month, while deposits with an agreed maturity up to 2 years had a marginal contribution of €186 million.

     

    On an annual basis, household deposits increased by €8.6 billion, or 5.1 per cent, in the year to end-September 2026. All maturities had a positive contribution except deposits with an agreed maturity over 2 years, which remained muted but in negative territory. Overnight deposits, and to a lower extent, deposits with an agreed maturity up to 2 years, stood as the main drivers in the period, recording flows worth €6.8 billion and €1.2 billion, respectively. Annual flows of deposits redeemable at notice remained positive at €536 million in September 2026, driven by accumulated minor monthly flows.

     

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

    Net lending to non-financial corporations (NFCs) was positive in September 2026, recording flows worth €751 million in the month, the highest monthly flow in the year so far. Short-term loans had the highest contribution, with a positive flow of €304 million in the month. However, medium-term and long-term loans recorded large contributions as well, with flows in the month worth €207 million and €240 million, respectively.

    In annual terms, loans to NFCs increased by €3.1 billion, or 11.2 per cent, in the year to end-September 2026, the largest annual flow since May 2009. This was driven by medium-term loans, which recorded a positive annual flow of €1.5 billion in the period. Long-term and short-term loans were also positive in the period, with annual flows worth €944 million and €675 million, respectively.

     

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

    NFC deposits stood at €87.6 billion at the end of September 2026. Monthly flows were positive at €665 million, slightly higher than in previous months but at consistently lower levels compared to past years. This was driven by deposits with an agreed maturity up to 2 years, which had a positive contribution of €899 million, although this was partially offset by negative flows of overnight deposits worth €259 million. The other categories remained positive but had a marginal impact on the overall movement.

    In annual terms, NFC deposits increased by €4.4 billion in the year to end-September 2026, higher than in previous month, when it recorded the lowest level seen since October 2025. This was primarily driven by positive overnight deposits flows worth €3.5 billion. Annual flows of deposits with a maturity up to 2 years were positive as well, contributing €626 million in the year to end-September 2026 and partially reversing the negative annual flow recorded in the previous month.

     

    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 September 2026 | pdf 442 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