Euro area bank interest rate statistics: May 2025
4 July 2025
Chart 1
Bank interest rates on new loans to, and deposits from, euro area corporations
(percentages per annum)
Data for cost of borrowing and deposit interest rates for corporations (Chart 1)
The composite cost-of-borrowing indicator, which combines interest rates on all loans to corporations, decreased in May 2025. The interest rate on new loans of over €1 million with a floating rate and an initial rate fixation period of up to three months decreased by 29 basis points to 3.26%. The rate on new loans of the same size with an initial rate fixation period of over three months and up to one year stayed almost constant at 3.48%. The interest rate on new loans of over €1 million with an initial rate fixation period of over ten years increased by 16 basis points to 3.70%. In the case of new loans of up to €250,000 with a floating rate and an initial rate fixation period of up to three months, the average rate charged fell by 13 basis points to 3.78%.
As regards new deposit agreements, the interest rate on deposits from corporations with an agreed maturity of up to one year fell by 10 basis points to 2.05% in May 2025. The interest rate on overnight deposits from corporations stayed almost constant at 0.58%.
The interest rate on new loans to sole proprietors and unincorporated partnerships with a floating rate and an initial rate fixation period of up to one year decreased by 20 basis points to 4.11%.
Table 1
Bank interest rates for corporations
i.r.f. = initial rate fixation
* For this instrument category, the concept of new business is extended to the whole outstanding amounts and therefore the business volumes are not comparable with those of the other categories. Outstanding amounts data are derived from the ECB's monetary financial institutions balance sheet statistics.
Data for bank interest rates for corporations (Table 1)
Chart 2
Bank interest rates on new loans to, and deposits from, euro area households
Data for cost of borrowing and deposit interest rate for households (Chart 2)
The composite cost-of-borrowing indicator, which combines interest rates on all loans to households for house purchase, remained broadly unchanged in May 2025. The interest rate on loans for house purchase with a floating rate and an initial rate fixation period of up to one year decreased by 15 basis points to 3.70%. The rate on housing loans with an initial rate fixation period of over one and up to five years fell by 6 basis points to 3.42%, driven by both the interest rate and the weight effects. The interest rate on loans for house purchase with an initial rate fixation period of over five and up to ten years increased by 13 basis points to 3.45%. The rate on housing loans with an initial rate fixation period of over ten years rose by 8 basis points to 3.12%, driven by both the interest rate and the weight effects. In the same period the interest rate on new loans to households for consumption remained broadly unchanged at 7.53%.
As regards new deposits from households, the interest rate on deposits with an agreed maturity of up to one year decreased by 11 basis points to 1.84%. The rate on deposits redeemable at three months' notice fell by 5 basis points to 1.45%. The interest rate on overnight deposits from households showed no change at 0.29%.
Table 2
Bank interest rates for households
i.r.f. = initial rate fixation
* For this instrument category, the concept of new business is extended to the whole outstanding amounts and therefore the business volumes are not comparable with those of the other categories; deposits placed by households and corporations are allocated to the household sector. Outstanding amounts data are derived from the ECB's monetary financial institutions balance sheet statistics.
** For this instrument category, the concept of new business is extended to the whole outstanding amounts and therefore the business volumes are not comparable with those of the other categories. Outstanding amounts data are derived from the ECB's monetary financial institutions balance sheet statistics.
Data for bank interest rates for households (Table 2)
The data in Tables 1 and 2 can be visualised for individual euro area countries on the bank interest rate statistics dashboard. Additionally, tables containing further breakdowns of bank interest rate statistics, including the composite cost-of-borrowing indicators for all euro area countries, are available from the ECB Data Portal. The full set of bank interest rate statistics for both the euro area and individual countries can be downloaded from ECB Data Portal. More information, including the release calendar, is available under "Bank interest rates" in the statistics section of the ECB's website.
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