The Central Bank of Luxembourg published provisional banking statistics showing that the aggregate balance sheet total of Luxembourg credit institutions declined to EUR 976,349m at 31 July 2025 from EUR 984,310m at 30 June 2025, a month-on-month fall of 0.81%. On a year-on-year basis, the balance sheet total increased by 2.76%. The monthly decline mainly reflected lower claims on other banks and deposit-taking institutions. On the liability side, the decrease was driven by lower liabilities to other sectors, fewer debt securities issued, and lower other liabilities. The interbank balance (claims minus liabilities) fell by EUR 16,749m (6.99%) to EUR 222,892m at end-July 2025. Loans to non-bank customers rose by EUR 546m (0.47%) between June and July 2025 and by EUR 3,485m (3.09%) over twelve months. Over the period July 2024 to July 2025, credit to non-financial corporations fell by EUR 3,048m (11.68%), while household mortgage lending increased by EUR 1,215m (2.96%) and lending to other financial intermediaries rose by EUR 6,100m (16.04%). On deposits, resident non-bank sector deposits edged down by EUR 7m between June and July 2025 but were up EUR 21,244m (7.34%) over twelve months. Between July 2024 and July 2025, deposits from other financial intermediaries increased by EUR 15,768m (8.13%) and represented 67.4% of the total at 31 July 2025; household deposits grew by EUR 1,961m (4.21%), non-financial corporation deposits by EUR 2,364m (9.8%), and deposits from other sectors (general government, insurance corporations and pension funds) by EUR 1,152m (4.61%).
Central Bank of Luxembourg 2025-09-04
Central Bank of Luxembourg reports credit institutions’ balance sheet total fell 0.81% to EUR 976,349m at end-July 2025
The Central Bank of Luxembourg reported a 0.81% month-on-month decline in the aggregate balance sheet total of Luxembourg credit institutions to EUR 976,349m as of 31 July 2025, despite a 2.76% year-on-year increase. The decrease was due to reduced claims on other banks and lower liabilities, while loans to non-bank customers rose by 0.47%. Deposits from the resident non-bank sector slightly decreased month-on-month but increased by 7.34% year-on-year, with significant growth in deposits from other financial intermediaries.