See also
Film about the BCL's missions and tasks
Evolution of credit institutions’ balance sheet
01.10.2026
The Banque centrale du Luxembourg informs that, based on preliminary data, the aggregated balance sheet of credit institutions reached 1 031 495 million euros on 31 August 2026, compared to 1 034 980 million euros on 31 July 2026, a decrease of 0.34%.
This change is mainly due to the decrease in claims on other banks and deposit-taking institutions on the assets side, and to the decrease in liabilities to other banks and deposit-taking institutions as well as to other sectors on the liabilities side. On an annual basis, the aggregated balance sheet increased by 6.47%.
Net interbank lending, i.e. the difference between interbank loans and deposits, decreased by 6 623 million euros, or 3.10%, to reach 207 167 million euros at the end of August 2026.
Loans to resident non-bank customers increased by 903 million euros, or 0.74%, between July 2026 and August 2026. Over twelve months, these loans have increased by 8 273 million euros, or 7.19%.
On a yearly basis, loans to non-financial corporations (NFCs) decreased by 1 509 million euros (or 6.31%), loans for house purchases increased by 919 million euros 2.18% and loans to other financial intermediaries (OFIs) increased by 8 420 million euros (or 20.07%).
With regard to the liability side, deposits from the resident non-bank sector have retracted by 8 290 million euros, or 2.52%, between July 2026 and August 2026. Over twelve months, these deposits increased by 21 030 million euros, or 7.01%.
Between August 2025 and August 2026, Other financial intermediaries (OFI) deposits (which had a share of 67.8% as at 31 August 2026 and comprised deposits made up by monetary and non-monetary investment funds) increased by 15 424 million euros (or 7.62%) and household deposits progressed by 2 107 million euros (or 4.33%). NFC deposits decreased by 818 million euros (or 3.25%) and deposits from the other sectors[1] progressed by 4 317 million euros (or 18.12%).
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
