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Monday, April 22, 2024
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Examining liquidity patterns and financial resilience in the banking industry

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In December of the previous year, the liquid assets of banks totaled 1.6 billion EUR, marking a 5.41% decrease compared to November.

Relative to the same month in 2022, the liquid assets of banks in December experienced a notable decline of 19.64%.

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Liquidity ratios for the overall banking system consistently remained above the stipulated minimums on both a daily and ten-day basis.

Closing the month of December, the combined balance sheet of banks reached 6.73 billion EUR, reflecting a marginal 0.07% increase from November. On an annual basis, this represented a solid growth of 5.15%.

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Breaking down the structure of bank assets in December, total loans held the majority share at 60.81%, followed by cash and deposit accounts with central banks at 18.49%, securities at 19.48%, and other asset items at 1.22%.

In terms of liabilities, deposits constituted the largest proportion at 81.27%, succeeded by capital at 12.18%, loans at 3.21%, and other liability items at 3.3%.

The overall capital of banks by the end of December amounted to 820.25 million EUR, indicating a monthly uptick of 0.52% and a significant annual surge of 21.43%.

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