Irish retail and business bank customers are continuing to experience a great deal of uncertainty in securing bank financing. The latest monthly statistics published by the Central Bank illustrate the dependency of the banking system on funding from sources other than the deposits of Irish customers.
Retail clearing banks include AIB, Bank of Ireland, National Irish Bank, Ulster Bank and permanentTSB. There are about 25 non-clearing banks
April 2010
| € Million | DEPOSITS FROM IRISH RESIDENTS | TOTAL LOANS TO IRISH RESIDENTS | EXTERNALLY FUNDED |
| Retail Clearing Banks | €113,804 | €197,611 | €83,807 |
| Non-Clearing Domestic Banks | €50,335 | €130,815 | €80,480 |
| €164,139 | €328,426 | €164,287 | |
| Non--Clearing Foreign Banks | €7,901 | €18,097 | €10,196 |
| €172,040 | €346,523 | €174,483 |
May 2010
| Retail Clearing Banks | €112,491 | €196,674 | €84,183 |
| Non-Clearing Domestic Banks | €50,764 | €129,517 | €78,753 |
| €163,255 | €326,191 | €162,936 | |
| Non-Clearing Foreign Banks | €8,217 | €18,749 | €10,532 |
| €171,472 | €344,940 | €173,468 |
Total private sector credit amounts to just under €352 billion of which almost 93% is funded by the above sources.
The loans outstanding above include residential mortgage finance of just under €108 billion. There is also an additional €37 billion in securitised mortgage finance bringing the total owing by the residential mortgage sector to €145 billion. €57 billion was provided by the retail clearing banks and €51 billion by the non-clearing banks / building societies.
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