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Film about the BCL's missions and tasks
Evolution of credit institutions’ balance sheet
02.11.2022
The Banque centrale du Luxembourg informs that, based on preliminary data, the aggregated balance sheet of credit institutions reached 1 011 488 million euros on 30 September 2022, compared to 1 002 936 million euros on 31 August 2022, an increase of 0.85%. This increase is mainly due to the monthly increase of other assets. On an annual basis, the aggregated balance sheet increased by 9.5%.
Net interbank lending, i.e. the difference between interbank loans and deposits, decreased by 2 805 million euros (1.2%) to reach 222 290 million euros at the end of September 2022.
Loans to resident non-bank customers increased by 1 735 million euros, or 1.4%, between August 2022 and September 2022. Over twelve months, these loans increased by 16 078 million euros (15.3%).
On a yearly basis, loans to non-financial corporations (NFCs) increased by 1 898 million euros (6.6%), loans for house purchases increased by 2 833 million euros (7.3%) and loans to other financial intermediaries (OFIs) increased by 10 748 million euros (34.5%).
With regard to the liability side, deposits from the resident non-bank sector increased by
4 297 million euros or 1.34% between August 2022 and September 2022. Over twelve months, these deposits increased by 17 957 million euros, or 5.8%.
Between September 2021 and September 2022, Other financial intermediaries (OFI) deposits (which had a share of 70,3% as at 30 September 2022 and comprised deposits made up by monetary and non-monetary investment funds) increased by 7 455 million euros (3.4%) and household deposits by 900 million euros (2.0%). NFC deposits increased by 5 992 million euros (31.9%) and deposits from the other sectors[1] also increased by 3 610 million euros (15.8%).
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 14 September 2022 to 1 November 2022, amounts to 6 540 million euros.
The minimum reserves for credit institutions to hold with the BCL have decreased by 56 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.
