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 January 2026

    • Annual household deposits flows remained positive at €10.1 billion in the year to end-January 2026.
    • Deposits with an agreed maturity up to 2 years increased by €2.8 billion in the year to end-January 2026, remaining positive but displaying a more pronounced slowdown in the month. This category’s annual growth has been positive since June 2023 and the trend of annual flows is consistent with observed interest rates developments.
    • Annual overnight deposits flows, on the other hand, increased by €6.6 billion in the year to end-January 2026, which is higher than the €6.4 billion annual flow recorded in December 2025. This movement follows the trend of positive growth in 2025. Overnight deposits flows remained higher in January 2026 after surpassing deposits with an agreed maturity up to 2 years in September 2025.

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

    Net lending to households was €197 million in January 2026, significantly lower than in the previous month but in line with similar behaviour seen in the same month in previous years, with flows in January usually lower relative to December. This movement was entirely driven by loans for house purchase, with a €210 million flow in the month. On the other hand, loans for consumption and loans for other purposes dropped, with negative flows worth €4 million and €9 million, respectively, in the period.

    In annual terms, lending to households increased by €5.7 billion, or 5.4 per cent, in the year to end-January 2026. This falls to 5.3 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 €5.2 billion in the period. Loans for consumption contributed €873 million, while loans for other purposes decreased by €314 million in the year to end-January 2026.

    The annual change in loans for house purchase, including both on-balance sheet and securitised loans, was 5.8 per cent in the year to end-January 2026 (see Table A.6).

    Section 2: Deposits from Irish Resident Households by Maturity

    Compared to muted flows in December 2025, household deposits increased by €1.5 billion in January 2026 and stood at €171.3 billion at the end of the month. All categories had a positive contribution and overnight deposits stood as the main driver, with flows worth €1.4 billion in the month. Deposits redeemable at notice and term deposits had a marginal contribution in the period, increasing by €75 million and €41 million, respectively.

    On an annual basis, household deposits increased by €10.1 billion, or 6.3 per cent, in the year to end-January 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 €6.6 billion and €2.8 billion, respectively. Annual flows of deposits redeemable at notice remained positive at €692 million in January 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 negative for the second month in a row, recording outflows worth €270 million in January 2026. This was mainly driven by short-term loans, which recorded a negative flow of €258 million, and to a lower extent, by long-term loans, which dropped by €78 million in the period. Flows of medium-term loans were positive at €66 million.

    In annual terms, loans to NFCs increased by €1.2 billion, or 4 per cent, in the year to end-January 2026. This was entirely driven by medium-term loans, which recorded a positive annual flow of €1.2 billion in the period. Short-term loans recorded positive flows of €382 million, offset by a negative flow of €435 million from long-term loans.

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

    NFC deposits dropped by €4.7 billion in January 2026 and stood at €84.3 billion at the end of the month. This movement offset the positive flow of €4.6 billion recorded in December 2025 and is in line with the high variability observed in the series. This movement was entirely driven by overnight deposits, which had a negative contribution of €4.9 billion in the month. Deposits with a maturity up to 2 years recorded flows worth €233 million in the month.

    In annual terms, NFC deposits increased by €3.5 billion in the year to end-January 2026, lower than the annual flow of €4.1 billion recorded in December 2025. This was driven by deposits with a maturity up to 2 years and overnight deposits, with positive flows in the period worth €1.7 billion and €1.6 billion, 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 January 2026 | pdf 432 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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