Irish banks have become safe deposit boxes. Credit to the economy is drying up, despite increases in deposits.

The inescapable fact of the Irish housing crisis  x.com/businessposthq…

Peter Ryan

Twitter

爱尔兰的银行已经变成了保险箱。尽管存款有所增加，但对经济的信贷却在枯竭。

来源：新智元
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Further information for interested readers:
1.) 2017 RSM/Construction Industry Federation Report on construction financing:
"This report should sound alarm bells for those concerned with regional development, spatial strategy and in resolving the housing crisis. It shows that construction companies are experiencing difficulty in securing finance. This is especially acute in the regions and amongst SMEs. This report confirms that lending outside the urban centres is particularly challenged...traditional sources are unwilling to lend. This is not a call for a return to the speculative lending of the past. This report highlights many cases where companies are unable to secure finance to develop viable and essential residential projects particularly outside the greater Dublin area. It also highlights the paucity of funding available for construction companies to invest in plant, staff, technology, innovation and other core functions. At a macro-level, this threatens to undermine productivity in the industry and limit its growth over the coming decade."
""But the truth is we cannot get access to funding for land development. ” Medium sized construction company, Cork"
"“As far as I can see neither the Banks nor the private equity firms have any interest in lending for any development outside of Dublin. It seems to be a policy across the board that property prices outside of the capital have not recovered sufficiently to justify from their perspective and until such time as they do, no further lending is likely to happen. ” Medium sized construction company, Galway"
https://cif.ie/wp-content/uploads/2017/10/RSM-CIF-Access-to-Finance.pdf…
2.) July 2025 Journal article profiling Martin and other key figures corroborating the lending crisis as the root of the housing crisis:
"TAOISEACH MICHEÁL MARTIN has said the banks are “still rooted in the last war” and said he has called on them to lend more to Irish builders to boost housing supply.
Speaking to The Journal this week in Japan, where the Taoiseach visited Tokyo, Osaka and Hiroshima, the Taoiseach said the “psychology” of the Irish banks “needs to change”.
Martin said he has spoken to the Banking Federation of Ireland about the matter, stating he told them banks should be lending more to Irish builders and developers.
The Business Post reported earlier this year that there had been a fall-off in lending this year to developers by the two main pillar banks, AIB and Bank of Ireland.
While Bank of Ireland’s loans to developers increased from €540 million to €608 million, the value of development loans issued by AIB for residential and commercial building fell from €992 million in 2023 to €809 million last year, the newspaper reported.
The Central Bank has also stated the banks are well capitalised and can lend out more.
It is believed that such a level of lending is deemed to be significantly lower than what is required to meet housing demand.
“The cost of financing is a problem and it needs to lend more into the domestic construction industry, it’s not lending enough, and much of its lending is towards schemes that have a state backing already in terms of affordable housing,” said Martin.
“Given the huge demand for housing in the market, to me, they’re still rooted in the last war and the psychology needs to change,” he added."
https://thejournal.ie/banks-must-lend-more-taoiseach-6753869-Jul2025/…

更多信息供感兴趣的读者参考：

1.) 2017 年 RSM/建筑业联合会关于建筑融资的报告：

“这份报告应该给那些关注区域发展、空间战略以及解决住房危机的人士敲响警钟。报告显示，建筑公司在融资方面面临困难。这种情况在偏远地区和中小企业中尤为严重。报告证实，在城市中心以外地区放贷尤其困难……传统贷款机构不愿放贷。这并非呼吁回到过去那种投机性贷款模式。报告重点指出，许多公司无法获得资金来开发可行且必要的住宅项目，尤其是在大都柏林地区以外。报告还强调，建筑公司可用于投资设备、员工、技术、创新和其他核心职能的资金匮乏。从宏观层面来看，这可能会削弱行业的生产力，并在未来十年限制其增长。”

“但事实是我们无法获得土地开发资金。” “科克郡一家中型建筑公司”

“据我观察，无论是银行还是私募股权公司，都对都柏林以外的任何开发项目没有贷款兴趣。似乎所有机构都认为，首都以外的房地产价格尚未充分回升，不足以支撑贷款，因此在房价回升之前，不太可能再有进一步的贷款。” 戈尔韦一家中型建筑公司”

https://cif.ie/wp-content/uploads/2017/10/RSM-CIF-Access-to-Finance.pdf…

2.) 2025年7月《爱尔兰日报》刊登了一篇关于马丁和其他关键人物的文章，证实贷款危机是住房危机的根源：

“爱尔兰总理米歇尔·马丁表示，银行‘仍然沉浸在上一场战争的思维模式中’，并表示他已呼吁银行向爱尔兰建筑商提供更多贷款，以增加住房供应。

本周，马丁总理在日本访问东京、大阪和广岛期间接受《爱尔兰日报》采访时表示，爱尔兰银行的“心态”需要改变。

马丁表示，他已就此事与爱尔兰银行联合会进行了沟通，并表示他告诉他们，银行应该向爱尔兰建筑商和开发商提供更多贷款。

《商业邮报》今年早些时候报道称，两大支柱银行——爱尔兰联合银行（AIB）和爱尔兰银行——今年对开发商的贷款有所下降。

虽然爱尔兰银行对开发商的贷款从5.4亿欧元增加到6.08亿欧元，但爱尔兰联合银行发放的住宅和商业建筑开发贷款额却有所下降。据报纸报道，2023年贷款额将达到9.92亿欧元，低于去年的8.09亿欧元。

中央银行也表示，各银行资本充足，可以增加贷款额度。

人们认为，目前的贷款水平远低于满足住房需求所需的水平。

“融资成本是个问题，银行需要向国内建筑业提供更多贷款，目前的贷款额度不足，而且大部分贷款都流向了那些已经有政府支持的经济适用房项目，”马丁说道。

“鉴于市场上巨大的住房需求，在我看来，他们的思维仍然停留在上一次战争时期，这种心态需要改变，”他补充道。

https://thejournal.ie/banks-must-lend-more-taoiseach-6753869-Jul2025/…