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Evolution of credit institutions’ balance sheet
10.06.2025
The Banque centrale du Luxembourg informs that, based on preliminary data, the aggregated balance sheet of credit institutions reached 984 270 million euros on 30 April 2025, compared to 986 950 million euros on 31 March 2025, a decrease of 0.27%.
On the assets side, this is due mostly to the monthly decrease of loans towards other sectors and loans to other banks and deposit-taking corporations. On the liabilities side, it is due to deposits from the other sectors and other liabilities. On an annual basis, the aggregated balance sheet increased by 1.31%.
Net interbank lending, i.e. the difference between interbank loans and deposits, increased by 2 003 million euros, or 0.81%, to reach 250 072 million euros at the end of April 2025.
Loans to resident non-bank customers decreased by 1 086 million euros, or 0.94%, between March 2025 and April 2025. Over twelve months, these loans have increased by 2 839 million euros, or 2.53%.
On a yearly basis, loans to non-financial corporations (NFCs) decreased by 5 227 million euros (or 19.10%), loans for house purchases increased by 743 million euros (or 1.82%) and loans to other financial intermediaries (OFIs) increased by 7 686 million euros (or 21.24%).
With regard to the liability side, deposits from the resident non-bank sector have progressed by 1 697 million euros, or 0.55%, between March 2025 and April 2025. Over twelve months, these deposits increased by 24 633 million euros, or 8.58%.
Between April 2024 and April 2025, Other financial intermediaries (OFI) deposits (which had a share of 67.7% as at 30 April 2025 and comprised deposits made up by monetary and non-monetary investment funds) increased by 19 698 million euros (or 10.31%) and household deposits progressed by 2 027 million euros (or 4.4%). NFC deposits increased by 2 274 million euros (or 9.30%) and deposits from the other sectors[1] progressed by 636 million euros (or 2.52%).
The tables pertaining to the balance sheet of credit institutions can be consulted on the BCL’s website on the following page:
http://www.bcl.lu/en/statistics/series_statistiques_luxembourg/11_credit_institutions/index.html
[1] General government, insurance corporations and pension funds.
