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4533
Increasing deposit/loan-ratio for loans to non-financial corporations
statistikk
2007-06-08T10:00:00.000Z
Banking and financial markets
en
orbofbm, Financial corporations, balance sheet, banks, mortgage companies, finance companies, state lending institutions, loans, deposits, financing, mortgages, bonds, commercial papers, shares, ownership interest, assets, liabilities, foreign banks, borrowers, balancesFinancial institutions and other financial corporations, Banking and financial markets
false

Financial corporations, balance sheet, April 2007

As from 2016 the statistics is published with Banks and mortgage companies.

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Published:

This is an archived release.

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Increasing deposit/loan-ratio for loans to non-financial corporations

Since 2002 there has been an increase in banks’ deposit/loan-ratio on loans to non-financial corporations from barely 60 to more than 70 per cent. The ratio for household loans has decreased from almost 90 per cent in 1996 to approximately 50 per cent in April 2007.

Banks. Deposit/loan-ratio for loans to non-financial corporations and households. 1996-2007

Banks. Loans to, and deposits from, non-financial corporations. 1996-2007

In April 2007 the banks had NOK 439 billion in deposits from non-financial corporations and loans to the same sector for NOK 609 billion. This implies a deposit/loan ratio on 72 per cent, meaning that 72 per cent of banks’ loans to this sector were financed by deposits from the same sector. The corresponding figures in 2002 were NOK 219 and 372 billion, which results in a deposit/loan-ratio on 59 per cent. In October 2003 the deposit/loan ratio for loans to non-financial corporations was for the first time higher than for household loans.

Banks. Loans to, and deposits from, households. 1996-2007

Deposit/loan ratio for loans to households decreases

In April 2007 the banks had deposits from households for NOK 645 billion, and loans to the same sector for NOK 1299 billion. Thus a deposit/loan ratio of 50 per cent. The deposit/loan ratio for loans to households has decreased continuously from 1996 when the ratio was almost 90 per cent. In this period the banks household loans have quadrupled, while deposits from households only have doubled.

The development in these figures coincide with the figures published in Credit Indicator and Money Supply Statistics. These statistics might give some background information on the developments. See also the article about banks’ total deposit/loan ratio.