Dáil Éireann Debate, Tuesday - 13 January 2026
823. Deputy Pearse Doherty asked the Tánaiste and Minister for Finance the percentage share and value of securitised mortgages held by each bank in the State; the share of securitised mortgages that have been used as collateral with the ECB; and if he will make a statement on the matter. [74055/25]
View answerWith regards to the first part of your question on percentage share and value of securitised mortgages held by Irish banks, the Central Bank of Ireland has provided the following overview of the volumes of securitised mortgage assets (across securitisations) on the banks’ balance sheet, based on the latest available information:
• AIB: €6,952 million – 19% of the total mortgage portfolio (as of December 2025).
• BOI: €15,703 million – 31% of the total mortgage portfolio (as of June 2025).
• PTSB: €4,833 million – 23% of the total mortgage portfolio (as of June 2025).
Securitised mortgages are generally held on the balance sheets of retail banks in order to act as contingent liquidity (under the Eurosystem collateral framework) for accessing Central Bank borrowing facilities. While the Central Bank collects data on securitised mortgages held by Irish banks that have been used as collateral with the ECB, this data is not published given its commercial sensitivity.
