This is an archived release.
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.
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.
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.
The statistics is now published as Banks and mortgage companies.