This paper examines the corporate funding flows of Irish credit institutions over the period 2009 to end-2010. The analysis examines the daily net movement across the consolidated corporate and retail deposit books of the domestic Irish banking sector and models these flows as a function of bank...

The high level of mortgage arrears in the Irish financial system and the associated overhang on economic growth underlines the importance of prudent lending standards throughout the property cycle. Macro-prudential tools such as loan-to-value (LTV) ratio caps and loan-to-income (LTI) ratio caps...

The recent nancial crisis highlighted the importance of stable funding and, in particular, customer deposits for the Irish banking sector. To ensure future viability, the domestic banks must maintain and grow their household deposit books. This letter focuses on the Irish household deposit...

The Central Bank of Ireland consultation paper on macro-prudential policy for residential real estate asked whether adequately insured mortgages should be exempt from the proposed loan-to-value (LTV) limit. An exemption for insured mortgages could alleviate the liquidity constraints associated...