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 1 000 949 million euros on 28 February 2026, compared to 1 007 183 million euros on 31 January 2026, a decrease of 0.62%.

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 also due to deposits from other banks and deposit-taking corporations. On an annual basis, the aggregated balance sheet increased by 2.07%.

Net interbank lending, i.e. the difference between interbank loans and deposits, decreased by 3 265 million euros, or 1.45%, to reach 221 660 million euros at the end of February 2026.

Loans to resident non-bank customers increased by 816 million euros, or 0.68%, between January 2026 and February 2026. Over twelve months, these loans have increased by 5 417 million euros, or 4.71%.

On a yearly basis, loans to non-financial corporations (NFCs) decreased by 605 million euros (or 2.58%), loans for house purchases increased by 1 202 million euros 2.90% and loans to other financial intermediaries (OFIs) increased by 4 521 million euros (or 10.46%).

With regard to the liability side, deposits from the resident non-bank sector have progressed by 659 million euros, or 0.21%, between January 2026 and February 2026. Over twelve months, these deposits increased by 12 846 million euros, or 4.25%.

Between February 2025 and February 2026, Other financial intermediaries (OFI) deposits (which had a share of 68.5% as at 28 February 2026 and comprised deposits made up by monetary and non-monetary investment funds) increased by 13 252 million euros (or 6.55%) and household deposits progressed by 2 702 million euros (or 5.67%). NFC deposits decreased by 2 449 million euros (or 9.39%) and deposits from the other sectors[1] decreased by 659 million euros (or 2.54%).

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

 

Evolution of reserve requirement

The Banque centrale du Luxembourg (BCL) informs that the reserve requirement, for the maintenance period from 25 March 2026 to 5 May 2026, amounts to 6 649 million euros.

The minimum reserves for credit institutions to hold with the BCL have increased by 201 million euros compared to the previous maintenance period.

Statistical series relating to the minimum reserve requirements of credit institutions are accessible on the BCL's website using the following link:

http://www.bcl.lu/en/statistics/series_statistiques_luxembourg/01_Mon_Pol_Stat/index.html

For further information about this press release, please contact us by phone: 4774-4265/-4599

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

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