In July 2025, the weighted average interest rates on outstanding amounts of deposits and loans decreased to 0.33% and to 4.68% respectively.
Interest rates on euro-denominated new deposits and loans
New Deposits
In July 2025, the weighted average interest rate on new deposits remained unchanged at 0.34% compared with the previous month.
In particular, the average interest rates on overnight deposits placed by households and non-financial corporations remained unchanged at 0.03% and at 0.13% respectively.
The average interest rate on deposits from households with an agreed maturity of up to 1 year decreased by 4 basis points to 1.16%, while the corresponding rate on deposits from non-financial corporations stood at 1.69% from 1.72% in the previous month.
New Loans
The weighted average interest rate on new loans to households and non-financial corporations decreased by 12 basis points to 4.49%.
More specifically, the average interest rate on consumer loans without a defined maturity (a category that comprises credit cards, revolving loans and overdrafts) remained almost unchanged at 14.65%.
The average interest rate on consumer loans with a defined maturity at a floating rate increased by 37 basis points to 11.16%, while the average interest rate on housing loans at a floating rate decreased by 16 basis points to 3.36%.
The average interest rate on corporate loans without a defined maturity decreased by 18 basis points to 4.52%. The corresponding rate on loans to sole proprietors increased by 4 basis points to 6.87%.
The average interest rate on new corporate loans with a defined maturity at a floating rate decreased by 16 basis points to 3.79%. The average interest rate on loans with a defined maturity at a floating rate to small and medium-sized enterprises (SMEs) decreased by 17 basis points to 3.98%.
As regards the structure of interest rates according to the size of loans granted, the average rate on loans of up to €250,000 remained almost unchanged at 4.73%, on loans of over €250,000 and up to €1 million it remained almost unchanged at 4.26%, while on loans of over €1 million it decreased by 14 basis points to 3.71%.
Interest rates on outstanding amounts of euro-denominated deposits and loans
Deposits
In July 2025, the weighted average interest rate on outstanding amounts of deposits (including overnight deposits) decreased by 3 basis points to 0.33%.
In particular, the average interest rate on outstanding amounts of deposits with an agreed maturity of up to 2 years placed by households decreased by 7 basis points to 1.32%, while the corresponding rate on deposits placed by non-financial corporations decreased by 8 basis points to 1.70%.
Loans
The weighted average interest rate on outstanding amounts of loans decreased by 9 basis points to 4.68%.
In particular, the average interest rate on outstanding amounts of housing loans with over 5 years’ maturity decreased by 4 basis points to 3.62%. The corresponding rate on consumer and other loans to individuals and private non-profit institutions remained unchanged at 8.14%.
The average interest rate on corporate loans with over 5 years’ maturity decreased by 13 basis points to 4.21%. The corresponding rate on loans to sole proprietors increased by 4 basis points to 5.73%.
