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Film about the BCL's missions and tasks
Evolution of credit institutions’ balance sheet
05.01.2022
The Banque centrale du Luxembourg informs that, based on preliminary data, the aggregated balance sheet of credit institutions reached 967 469 million euros on 30 November 2021, compared to 955 976 million euros on 31 October 2021, an increase of 1.2%. This increase is due to the monthly progression of claims towards the banking and other sectors. On an annual basis, the aggregated balance sheet increased by 12.4%.
Net interbank lending, i.e. the difference between interbank loans and deposits, increased by 3 168 million euros (1.4%) to reach 237 045 million euros at the end of November 2021.
Loans to resident non-bank customers increased by 794 million euros, or 0.7%, between October and November 2021. Over twelve months, these loans increased by 5 644 million euros (5.5%).
On a yearly basis, loans to non-financial corporations (NFCs) decreased by 211 million euros (0.7%), loans for house purchases increased by 3 443 million euros (9.6%) and loans to other financial intermediaries (OFIs) increased by 2 562 million euros (8.2%).
With regard to the liability side, deposits from the resident non-bank sector increased by 4 192 million euros or 1.34% between October and November 2021. Over twelve months, these deposits increased by 45 219 million euros, or 16.7%.
Between November 2020 and November 2021, Other financial intermediaries (OFI) deposits (which had a share of 72.2% as at 30 November 2021 and comprised deposits made up by monetary and non-monetary investment funds) increased by 39 169 million euros (20.7%) and household deposits by 996 million euros (2.3%). NFC deposits increased by 3 849 million euros (22.9%) and deposits from the other sectors[1] increased by 1 205 million euros (5.6%).
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 22 December 2021 to 8 February 2022, amounts to 6 134 million euros.
The minimum reserves for credit institutions to hold with the BCL have increased by 141 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
[1] General government, insurance corporations and pension funds.
