Growth rates for the national contributions to the aggregated balance sheet of euro area monetary financial institutions*

The ECB computes annual growth rates as the differences in outstanding amounts adjusted for all non-transaction related issues, i.e. revaluations, reclassifications, and exchange rate adjustments.

The ECB’s computation might lead to results that differ from the growth rates published by NCBs. In the case of loans, the annual growth rates shown for country A refer to loans granted by MFIs resident in country A to all euro area residents; the growth rates do not provide information about the loans granted to the citizens of country A. Moreover, the published growth rates exclude securitised loans that have been removed from the balance sheet and thus they might differ substantially from the growth rate of lending received by the counterparty sector. Further information as well as growth rates corrected for securitised loans can be found on the websites of the NCBs. Analogously, in the case of deposits, the annual growth rates given for country B refer to deposits held by all euro area residents with MFIs resident in country B; the growth rates do not provide information about the deposits held by the citizens of country B.

Last update 11.07.2021 01:02:08 AM
Euro area BE DE EE IE GR ES FR IT CY LV LT LU MT NL AT PT SI SK FI
1. Assets                                        
1.1. Loans 11.8357 18.1211 13.4553 12.955 11.2734 15.5955 8.9959 9.1582 13.628 17.5807 7.1981 14.7263 8.5819 9.419 10.6364 15.8843 12.9205 9.5662 17.9906 22.6381
1.1.1. Monetary Financial Institutions (MFIs) 28.6518 58.8451 31.2193 33.3962 26.2025 106.389 39.5532 14.934 64.4005 50.526 13.2073 49.3344 13.5007 21.2644 44.2314 41.6204 59.4413 36.5059 229.2563 53.8362
1.1.2. General government -0.15 -13.4767 -3.2513 40.9836 41.8765 . 16.6093 -1.6758 1.2603 0.0 32.973 -30.1601 2.9904 20.2723 -2.881 -1.1791 -3.6385 -7.4926 -0.9382 0.577
1.1.3. Non-MFIs excluding general government 2.0831 2.5149 3.904 5.3444 -6.2972 1.4785 -0.8218 3.8269 -1.473 1.8451 4.4344 1.093 -1.2185 3.6927 0.5383 4.9441 4.3624 1.5101 5.6121 2.1638
1.1.3.1. Non-financial corporations 1.4815 -2.8009 1.992 3.1803 -12.2169 4.5391 -2.0665 3.5389 2.4343 2.4554 -4.4343 -7.9687 -14.4919 -0.476 1.1865 5.0289 7.3134 0.1951 3.5851 -0.1967
1.1.3.2. Households and non-profit institutions serving households 4.3408 8.5387 5.014 6.6522 0.5007 -2.0095 0.2826 6.554 3.3333 3.546 1.2086 7.3645 10.132 8.5614 1.5357 5.9115 3.0283 2.8056 7.2532 3.9749
1.1.3.2.1. Credit for consumption 0.881 0.7186 -0.7759 -4.5148 -6.7244 -2.0677 3.2253 4.2089 1.08 2.8157 -6.4477 -2.7008 18.4845 11.8928 -22.608 -2.1821 0.9719 -5.1444 -6.8633 2.3834
1.1.3.2.2. Lending for house purchase 5.402 9.4627 6.7792 7.8992 1.8465 -3.0062 0.1589 7.5915 3.6448 5.0706 3.0341 9.6919 10.7352 9.3881 2.3413 8.538 3.5078 6.0664 9.5687 4.0443
1.1.3.2.3. Other lending 0.7423 2.3758 0.273 2.6607 -5.577 3.6691 -1.912 -2.6566 4.2545 -1.561 -9.1068 -2.8128 5.3966 -1.1003 -1.9063 1.3913 2.0574 3.2546 14.8112 5.0524
1.1.3.3. Financial corporations except MFIs and Insurance corporations and pension funds (ICPFs) -7.04 -4.7157 3.8289 6.6796 -21.1197 3.1289 6.7926 -2.9024 -25.0757 -15.1717 52.8777 8.9812 5.4691 -2.2921 -8.8224 -1.5686 -1.1918 0.6119 -16.5787 6.4259
1.1.3.4. Insurance corporations and pension funds 1.7257 5.4736 28.8615 . 295.7257 . -33.8013 -11.5292 32.1249 . . . 119.1901 . 41.6024 . . . . -34.8303
1.2. Debt securities held -1.9172 -6.9557 -2.9973 -27.4465 -8.7641 30.7296 1.7402 -0.6828 -1.6839 -12.8541 27.3628 36.1411 -5.2092 14.1102 -10.9841 -5.1375 2.7569 5.4387 -6.5942 19.0368
1.2.1. Monetary Financial Institutions (MFIs) -1.3343 2.6285 0.3789 . -16.6228 21.0521 -10.5221 3.3194 0.5649 2.5493 15.1114 . -4.6837 35.8817 -40.7574 -1.6821 -0.2513 39.9149 -2.5056 61.0394
1.2.1.1. Up to 1 year -11.6838 -52.7595 -29.6029 . -18.3298 . -62.9566 -3.4724 . . . . -15.5039 . 126.0761 -45.3308 . . . .
1.2.1.2. Over 1 year and up to 2 years 24.6468 -10.7462 31.8302 . -29.2812 . -64.1195 33.9613 . . . . -11.7946 . . . . . . .
1.2.1.3. Over 2 years 1.2788 4.5141 0.2375 . -10.035 20.9349 -5.1592 4.3857 1.1211 1.4895 19.8661 . 16.0166 33.7676 -42.6917 -0.2769 -0.2267 38.9362 -2.5472 46.999
1.2.2. General government -4.8991 -13.2813 -10.6917 -24.3277 -1.2445 32.5846 -2.2768 -6.2411 -5.0147 -23.7682 33.9021 37.7671 1.7979 12.2339 -13.1038 0.8335 6.7552 -1.0148 -7.2419 -20.6314
1.2.3. Non-MFIs excluding general governement 2.3457 -2.669 4.0234 . 3.0609 25.4748 9.4753 0.3 8.7667 78.6522 0.3946 . -17.508 7.8682 -5.2465 -35.1107 -4.5054 13.3154 -1.8437 -4.8162
1.3. Money market fund shares/units 45.7561 . . . . . . 61.664 . . . . 1.4647 . . . . . . .
1.4. Equity and non-MMF investment fund shares/units 8.3266 -21.7686 5.743 -0.6126 29.1638 35.299 8.8673 13.4089 9.3978 -4.5697 16.2043 -4.643 6.3161 -7.2422 -0.7916 -2.9599 0.074 1.6555 -8.106 0.7137
1.4.1. Monetary Financial Institutions (MFIs) 8.3301 -1.2055 -1.965 0.0 -7.7521 -52.1248 -3.727 13.9241 10.3785 . . . -21.3144 -0.0004 -7.1129 -8.6412 13.0942 . . 0.6387
1.4.2. Non-MFIs excluding general government 9.6949 -30.6095 6.3654 -3.2946 . 41.881 12.3991 18.1868 8.7341 -4.0375 16.5355 -4.8105 13.5751 -11.9024 2.547 -1.2738 -0.7779 3.4141 -8.5723 0.7317
1.5. External assets 1.8999 -3.9046 3.902 186.1294 2.3364 -17.2087 4.5682 6.6307 -4.2305 -1.2602 55.3598 86.358 -0.4497 -8.9135 -7.842 -6.8711 -0.2126 16.1162 13.8007 -6.0501
1.6. Non-financial assets (including fixed assets) -0.9666 -1.0633 5.1284 4.7619 -0.4675 -3.0035 -5.1666 0.484 -2.4381 6.2738 -6.6456 23.6477 6.9431 1.8607 -11.3624 2.9794 -0.7338 -0.6929 6.7061 0.0771
1.7. Remaining assets and Cash of which euro -19.7883 -23.4847 -26.1759 54.8307 4.1758 -16.4497 -20.6984 -23.4248 -14.5203 -3.3092 33.0526 10.4722 -32.8302 -19.5005 9.8567 -5.9495 -9.9946 -10.8484 5.5339 -30.3503
1.8. Total Assets/Liabilities 5.3141 7.6841 4.9408 17.0813 3.3639 10.9581 4.2341 4.7564 7.1652 9.323 13.3475 18.9021 2.1932 2.331 4.6315 8.8081 7.9845 8.6606 13.8721 9.4218
2. Liabilities                                        
2.1. Currency in circulation                                        
2.2. Deposit liabilities 9.9454 12.3176 9.4963 25.4536 13.6895 16.8722 8.6404 7.8701 10.8339 12.9232 19.0112 19.5312 8.792 8.9095 13.8341 12.5161 11.3206 9.3852 16.253 18.5001
2.2.1. Monetary Financial Institutions (MFIs) 18.6377 49.771 22.1174 229.7858 15.6063 45.6042 17.2379 10.8288 21.5617 . 188.0512 11.8238 -3.1053 22.5826 63.0597 32.1251 22.0964 -0.9649 245.7163 45.7668
2.2.2. Central government 40.0866 15.4102 285.4898 -18.7993 -42.2308 -24.8074 30.9917 -4.3772 36.2672 77.5494 30.8176 18.5258 85.1689 20.9143 -6.4803 -0.0437 -16.055 -13.6942 -75.0741 -0.3418
2.2.3. Non-MFIs excluding central government 5.5831 4.0661 4.17 20.689 13.5512 12.9775 5.8914 5.1151 5.9139 2.8576 11.8458 19.9427 15.2601 7.4708 4.0644 5.1059 8.8192 10.9214 7.0593 7.2816
2.2.3.1. Overnight deposits 11.1903 8.0917 10.3183 29.081 23.9616 26.8627 9.2657 8.9961 12.1837 16.9503 17.3779 23.5836 18.5316 8.8109 9.8636 10.4819 15.9687 16.8163 14.3859 9.5243
2.2.3.2. Deposits with agreed maturity -5.7791 -10.8648 -9.8528 -1.5304 -20.6984 -7.4653 -7.6547 -1.5867 -1.7787 -15.8466 -24.6098 -1.3917 -11.0132 -1.5473 -2.2864 -5.8922 1.2603 -7.3836 -14.7015 -22.252
2.2.3.2.1. Up to 1 year -9.829 -10.6801 -19.2871 -4.3509 -22.1672 -10.0399 -13.2589 -3.825 -16.2778 -10.6066 -27.2441 -4.8051 -12.8649 -6.4251 10.5097 -4.4813 8.7244 -7.802 -19.7406 -42.3845
2.2.3.2.2. Over 1 year and up to 2 years -20.5254 13.8668 -13.6951 -2.1239 -54.3907 -64.6742 -37.2835 -5.0643 -14.1303 -54.016 -39.9671 6.4876 4.8162 3.8475 -11.5464 -21.3902 -21.6805 -17.7781 -29.5262 -34.9325
2.2.3.2.3. Over 2 years -2.3294 -11.5779 -5.9401 9.2167 -3.3366 9.5533 3.4921 -0.7713 2.9909 -30.3896 1.8778 6.6707 -11.6463 2.019 -4.0772 -3.4468 -11.7694 5.5478 -1.5614 -4.3785
2.2.3.3. Deposits redeemable at notice 3.9636 2.9087 -0.0753 -36.7793 -6.3077 14.4309 -7.7771 9.3999 1.7904 0.6498 9.6592 56.0313 11.4777 151.0523 2.5425 -9.1201 22.0675 -4.0056 -2.749 1.7036
2.2.3.3.1. Up to 3 months 4.2217 2.9335 0.8672 -36.7793 -6.2597 14.4309 . 9.3999 1.917 -0.912 9.7094 56.0313 -4.4867 . 2.6933 -10.3074 22.0675 -4.0331 -2.1824 1.9984
2.2.3.3.2. Over 3 months -9.6614 -3.3067 -16.3441 . -10.5693 . 9.0433 . -6.9404 4.923 . . 92.2058 . -11.0146 4.7059 . . . .
2.2.3.4. Repurchase agreements -19.3666 . 45.3812 . -41.9061 171.4747 39.4064 -20.4297 -29.1899 . . . . -25.0 -28.9145 . -51.5142 . . 13.7125
2.3. Money market fund shares/units 10.9668 -77.4854 -0.9786 . 2.8912 25.0794 14.6293 25.6056 -19.0754 . . . -2.9277 . -75.3253 . 72.2281 . . -0.4785
2.4. Debt securities issued -1.1033 -0.553 2.4607 24.3311 -6.7804 7.5716 -2.0057 -0.6792 -5.2912 23.5124 . . -1.5655 23.8424 -11.8101 2.18 -4.2728 64.2029 15.8095 6.4985
2.4.1. Up to 1 year -5.2145 1.8053 -27.6703 . 25.2606 . 3.235 -0.8276 -18.3418 . . . -6.9766 . -72.0031 154.3637 . . . 1.216
2.4.2. Over 1 year and up to 2 years 6.8652 -23.2736 6.8785 . 30.073 . -65.6049 3.9895 -47.5307 . . . -12.9697 . -54.7253 -19.7678 . . . .
2.4.3. Over 2 years -0.8934 -0.8223 2.8742 25.9322 -10.3142 7.5716 -1.1221 -0.7705 -4.6781 24.1558 . . 1.6266 23.8424 -8.8939 0.4703 -4.274 64.2029 15.934 0.2887
2.5. Capital and reserves 4.9058 2.8881 4.1127 0.0273 0.9255 8.4371 -0.6361 5.5403 5.9128 7.6932 6.2322 10.5804 5.5611 2.7964 15.9933 3.0487 6.3407 10.5481 5.9237 2.9507
2.6. External liabilities 7.2005 6.7587 23.3007 -29.9493 -2.3271 -28.4564 -7.6587 10.6012 -11.5995 -3.1586 -17.3101 5.8407 -1.5075 -11.1356 -8.2052 3.9474 -13.562 -7.7544 -0.098 23.5014
2.7. Remaining liabilities -18.6151 -19.6811 -25.3009 -7.5835 6.6428 -26.2039 -17.7578 -21.8555 -7.7666 -7.8963 -8.3795 54.2942 -28.9589 -20.2886 0.9346 -1.6147 -11.2238 -13.9162 -1.159 -30.6185
2.8. Total Assets/Liabilities 5.3141 7.6841 4.9408 17.0813 3.3639 10.9581 4.2341 4.7564 7.1652 9.323 13.3475 18.9021 2.1932 2.331 4.6315 8.8081 7.9845 8.6606 13.8721 9.4218
(annual growth rates at end of period)

Legend
·    Data unknown, not to be published or not meaningful
Some values may be estimated or preliminary.
Detailed information on the observation status can be found in the time series view.


* Euro area data cover the EU Member States that had adopted the euro at the time to which the statistics relate. Greek data are included in euro area aggregates as of January 2001, Slovenian data as of January 2007, Cypriot and Maltese data as of January 2008, Slovakian data as of January 2009, Estonian data as of January 2011, Latvian data as of January 2014 and Lithuanian data are included as January 2015. Before January 2003 data for loans to other euro area residents were collected in March; June; September and December each year. Monthly data on outstanding amounts prior to January 2003 and monthly growth rates prior to January 2004 are derived from quarterly data. Household data include non-profit institutions serving households. Money market fund shares/units data relate to euro area residents. Amounts issued by non-euro area residents are included in external assets. Amounts held by non-euro area residents are included in external liabilities.