Prince Henri Auditoire 02 BW

Evolution of credit institutions’ balance sheet


The Banque centrale du Luxembourg informs that, based on preliminary data, the aggregated balance sheet of credit institutions reached 1 013 909 million euros on 30 April 2022, compared to 986 568 million euros on 31 March 2022, an increase of 2.77%. This increase is due to the monthly progression of claims towards the banking sectors. On an annual basis, the aggregated balance sheet increased by 14.6%. 


Net interbank lending, i.e. the difference between interbank loans and deposits, decreased by 884 million euros (0.4%) to reach 228 128 million euros at the end of April 2022. 

Loans to resident non-bank customers increased by 1 586 million euros, or 1.4%, between March 2022 and April 2022. Over twelve months, these loans increased by 13 495 million euros (12.9%). 


On a yearly basis, loans to non-financial corporations (NFCs) decreased by 458 million euros (1.6%), loans for house purchases increased by 3 203 million euros (8.6%) and loans to other financial intermediaries (OFIs) increased by 10 769 million euros (33.9%). 

With regard to the liability side, deposits from the resident non-bank sector increased by 342 million euros or 0.11% between March 2022 and April 2022. Over twelve months, these deposits increased by 33 387 million euros, or 11.5%.


Between April 2021 and April 2022, Other financial intermediaries (OFI) deposits (which had a share of 70.6% as at 30 April 2022 and comprised deposits made up by monetary and non-monetary investment funds) increased by 23 258 million euros (11.3%) and household deposits by 1 726 million euros (3.9%). NFC deposits increased by 7 070 million euros (38.4%) and deposits from the other sectors[1] also increased by 1 333 million euros (5.9%). 

The tables pertaining to the balance sheet of credit institutions can be consulted on the BCL’s website on the following page:

[1] General government, insurance corporations and pension funds.