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 May 2026

    • Annual household deposits flows remained positive at €9.6 billion in the year to end-May 2026.
    • Deposits with an agreed maturity up to 2 years increased by €1.9 billion in the year to end-May 2026, remaining positive and only slightly lower than in the previous month. This is in line with a positive and, since February 2025, steadily declining annual growth.
    • Annual overnight deposits flows, on the other hand, have been positive since January 2025 and increased by €7.1 billion in the year to end-May 2026. This is lower than in the previous month and in line with a slightly higher variability observed in the series in past months. After surpassing deposits with an agreed maturity up to 2 years in September 2025, overnight deposits flows remained higher in May 2026 for the ninth month in a row.

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

    Net lending to households recovered in May 2026 and was positive at €340 million, driven by a combination of higher flows of lending for house purchase and positive lending for other purposes, with contributions in the month worth €252 million and €51 million, respectively. Loans for consumption remained positive at €37 million in the month, which is approximately one third of the positive flow recorded in the previous month.

     

     

    In annual terms, lending to households increased by €5.7 billion, or 5.3 per cent, in the year to end-May 2026. This falls to 5.2 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 €5.2 billion in the period, which is in line with flows in the past three months. Loans for consumption contributed €825 million, while loans for other purposes decreased by €291 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-May 2026 (see Table A.6).

    Section 2: Deposits from Irish Resident Households by Maturity

    Household deposits stock stood at €175 billion at the end of May 2026. Monthly flows increased by €654 million in May 2026, significantly lower than in the previous month, when they reached their peak in 6 years. Overnight deposits were the main driver, contributing €479 million in the month, while the rest of categories remained muted.

    On an annual basis, household deposits increased by €9.6 billion, or 5.8 per cent, in the year to end-May 2026. 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 €7.1 billion and €1.9 billion, respectively. Annual flows of deposits redeemable at notice remained positive at €658 million in May 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 May 2026, recording flows of €111 million in the month. This was mostly driven by long-term loans, which recorded a positive flow of €195 million in the month, while medium-term loans contributed €77 million in the month. Short-term loans, on the other hand, dropped by €162 million.

    In annual terms, loans to NFCs increased by €1.7 billion, or 5.9 per cent, in the year to end-May 2026. This was driven by medium-term loans, which recorded a positive annual flow of €1.3 billion in the period, lower than in the previous month, and by long-term loans, positive at €397 million. Short-term loans were muted in May 2026.

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

    NFC deposits stood at €83.5 billion at the end of May 2026 and dropped further, with a negative flow of €886 million in the month. This is a relatively small movement compared to larger fluctuations in previous months and the second month in negative territory. This was entirely driven by overnight deposits, which had a negative contribution of €1.4 billion in the period, only partially offset by deposits with a maturity up to 2 years, which increased by €523 million. The other categories remained muted.

    In annual terms, NFC deposits increased by €5.2 billion in the year to end-May 2026, slightly higher than in previous month. This was primarily driven by positive movements of overnight deposits, which contributed €4.2 billion, and to lower extent, by deposits with a maturity up to 2 years, which recorded an annual flow of €884 million 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 May 2026 | pdf 437 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