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Evolution of credit institutions’ balance sheet
07.07.2025
The Banque centrale du Luxembourg informs that, based on preliminary data, the aggregated balance sheet of credit institutions reached 967 803 million euros on 31 May 2025, compared to 984 270 million euros on 30 April 2025, a decrease of 1.67%.
On the assets side, this decrease is due mostly to the monthly decrease of loans to other banks and deposit-taking corporations. On the liabilities side, it is due to deposits from the other sectors. On an annual basis, the aggregated balance sheet increased by 0.77%.
Net interbank lending, i.e. the difference between interbank loans and deposits, decreased by 13 363 million euros, or 5.34%, to reach 236 709 million euros at the end of May 2025.
Loans to resident non-bank customers decreased by 779 million euros, or 0.68%, between April 2025 and May 2025. Over twelve months, these loans have increased by 2 330 million euros, or 2.08%.
On a yearly basis, loans to non-financial corporations (NFCs) decreased by 5 020 million euros (or 18.56%), loans for house purchases increased by 883 million euros (2.16%) and loans to other financial intermediaries (OFIs) increased by 6 894 million euros (or 18.99%).
With regard to the liability side, deposits from the resident non-bank sector have retracted by 3 766 million euros, or 1.21%, between April 2025 and May 2025. Over twelve months, these deposits increased by 24 581 million euros, or 8.68%.
Between May 2024 and May 2025, Other financial intermediaries (OFI) deposits (which had a share of 67% as at 31 May 2025 and comprised deposits made up by monetary and non-monetary investment funds) increased by 19 407 million euros (or 10.32%) and household deposits progressed by 2 148 million euros (or 4.64%). NFC deposits increased by 2 380 million euros (or 9.65%) and deposits from the other sectors[1] progressed by 647 million euros (or 2.66%).
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.
