The weighted average interest rate on all new deposits fell to 0.30% in December from 0.32% in October, while the corresponding rate on new loans rose to 4.65%. Consequently, the interest rate margin between new deposits and new loans widened to 4.35 percentage points.
Rates on existing deposits and loans remained unchanged at 0.31% and 4.62%, respectively, keeping the interest rate margin on existing balances stable at 4.31 percentage points.
Deposits
In November 2025, the weighted average interest rate on new deposits remained almost unchanged at 0.30% compared with the previous month.
In particular, the average interest rate on overnight deposits placed by households remained unchanged at 0.03%, while the corresponding rate on deposits by non-financial corporations stood at 0.08% from 0.10% in the previous month.
The average interest rate on deposits with an agreed maturity of up to 1 year from households remained almost unchanged at 1.12%, while the corresponding rate from non-financial corporations decreased by 5 basis points to 1.67%.
Loans
The weighted average interest rate on new loans to households and non-financial corporations increased by 20 basis points to 4.65%.
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 14.66%.
The average interest rate on consumer loans with a defined maturity at a floating rate decreased by 16 basis points to 11.14%, while the average interest rate on housing loans at a floating rate remained almost unchanged at 3.40%.
The average interest rate on corporate loans without a defined maturity remained unchanged at 4.50%. The corresponding rate on loans to sole proprietors remained almost unchanged at 6.86%.
The average interest rate on new corporate loans with a defined maturity at a floating rate increased by 10 basis points to 3.76%. The average interest rate on loans with a defined maturity at a floating rate to small and medium-sized enterprises (SMEs) remained almost unchanged at 4.16%.
