Credit to households fell 3.4 per cent last year to €101.9 billion at the end of December, according to the Central Bank.
Total deposits held by Irish households in resident credit institutions increased 1 per cent over the year to €87 billion.
Loans outstanding to private households by resident credit-institutions, including securitised loans that have continued to be serviced, stood at €143.7 billion.
The outstanding amount of mortgage debt stood at €85 billion at the end of December 2012 and 50 per cent of outstanding loans for house purchases are on tracker mortgages.
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Non-housing related lending accounted for €17 billion, or 17 per cent, of all on-balance sheet credit at resident credit institutions at the end of last year.
