4 March 2026
Bank interest charges for firms
Chart 1
Bank interest charges on new loans to, and deposits from, euro area companies
(percentages each year)
Data for cost of borrowing and deposit interest rates for corporations (Chart 1)
The composite cost-of-borrowing indicator, which mixes interest charges on all loans to companies, confirmed no change in January 2026. The interest rate on new loans of over €1 million with a floating rate and an preliminary rate fixation interval of as much as three months remained broadly unchanged at 3.29%. The rate on new loans of the identical measurement with an preliminary rate fixation interval of over three months and as much as one 12 months fell by 9 foundation factors to three.45%, pushed by each the interest rate and the burden results. The interest rate on new loans of over €1 million with an preliminary rate fixation interval of over ten years decreased by 12 foundation factors to three.53%. Within the case of latest loans of as much as €250,000 with a floating rate and an preliminary rate fixation interval of as much as three months, the common rate charged fell by 6 foundation factors to three.59%.
As regards new deposit agreements, the interest rate on deposits from companies with an agreed maturity of as much as one 12 months stayed virtually fixed at 1.90% in January 2026. The interest rate on in a single day deposits from companies stayed fixed at 0.52%.
The interest rate on new loans to sole proprietors and unincorporated partnerships with a floating rate and an preliminary rate fixation interval of as much as one 12 months elevated by 16 foundation factors to three.97%.
Desk 1
Bank interest charges for firms
i.r.f. = preliminary rate fixation
* For this instrument class, the idea of latest enterprise is prolonged to the entire excellent quantities and subsequently the enterprise volumes usually are not comparable with these of the opposite classes. Excellent quantities information are derived from the ECB’s financial monetary establishments stability sheet statistics.
Data for bank interest rates for corporations (Table 1)
Bank interest charges for households
Chart 2
Bank interest charges 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 mixes interest charges on all loans to households for home buy, remained broadly unchanged in January 2026. The interest rate on loans for home buy with a floating rate and an preliminary rate fixation interval of as much as one 12 months decreased by 4 foundation factors to three.51%, pushed by each the interest rate and the burden results. The rate on housing loans with an preliminary rate fixation interval of over one and as much as 5 years stayed fixed at 3.37%. The interest rate on loans for home buy with an preliminary rate fixation interval of over 5 and as much as ten years remained broadly unchanged at 3.51%. The rate on housing loans with an preliminary rate fixation interval of over ten years rose by 10 foundation factors to three.23%, pushed by each the interest rate and the burden results. In the identical interval the interest rate on new loans to households for consumption elevated by 35 foundation factors to 7.51%.
As regards new deposits from households, the interest rate on deposits with an agreed maturity of as much as one 12 months remained broadly unchanged at 1.78%. The rate on deposits redeemable at three months’ discover stayed fixed at 1.22%. The interest rate on in a single day deposits from households confirmed no change at 0.25%.
Desk 2
Bank interest charges for households
i.r.f. = preliminary rate fixation
* For this instrument class, the idea of latest enterprise is prolonged to the entire excellent quantities and subsequently the enterprise volumes usually are not comparable with these of the opposite classes; deposits positioned by households and companies are allotted to the family sector. Excellent quantities information are derived from the ECB’s financial monetary establishments stability sheet statistics.
** For this instrument class, the idea of latest enterprise is prolonged to the entire excellent quantities and subsequently the enterprise volumes usually are not comparable with these of the opposite classes. Excellent quantities information are derived from the ECB’s financial monetary establishments stability sheet statistics.
Data for bank interest rates for households (Table 2)
Additional info
The information in Tables 1 and a couple of may be visualised for particular person euro area nations on the bank interest rate statistics dashboard. Moreover, tables containing additional breakdowns of bank interest rate statistics, together with the composite cost-of-borrowing indicators for all euro area nations, can be found from the ECB Data Portal. The total set of bank interest rate statistics for each the euro area and particular person nations may be downloaded from ECB Data Portal. Extra info, together with the discharge calendar, is offered underneath “Bank interest charges” within the statistics section of the ECB’s website.
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Notes:
- On this press launch “companies” refers to non-financial companies (sector S.11 within the European System of Accounts 2010, or ESA 2010), “households” refers to households and non-profit establishments serving households (ESA 2010 sectors S.14 and S.15) and “banks” refers to financial monetary establishments besides central banks and cash market funds (ESA 2010 sector S.122).
- The composite cost-of-borrowing indicators are described within the article entitled “Assessing the retail bank interest rate pass-through within the euro area at instances of monetary fragmentation” within the August 2013 subject of the ECB’s Month-to-month Bulletin (see Field 1). For these indicators, a weighting scheme based mostly on the 24-month transferring averages of latest enterprise volumes has been utilized, in an effort to filter out extreme month-to-month volatility. Because of this the developments within the composite cost-of-borrowing indicators in each tables can’t be defined by the month-on-month adjustments within the displayed subcomponents. Moreover, the desk on bank interest charges for firms presents a subset of the collection used within the calculation of the cost-of-borrowing indicator.
- Rates of interest on new enterprise are weighted by the dimensions of the person agreements. That is accomplished each by the reporting brokers and when the nationwide and euro area averages are computed. Thus adjustments in common euro area interest charges for brand spanking new enterprise mirror, along with adjustments in interest charges, adjustments within the weights of particular person nations’ new enterprise for the instrument classes involved. The “interest rate impact” and the “weight impact” offered on this press launch are derived from the Bennet index, which permits month-on-month developments in euro area mixture charges ensuing from adjustments in particular person nation charges (the “interest rate impact”) to be disentangled from these brought on by adjustments within the weights of particular person nations’ contributions (the “weight impact”). Owing to rounding, the mixed “interest rate impact” and the “weight impact” might not add as much as the month-on-month developments in euro area mixture charges.
- Along with month-to-month euro area bank interest rate statistics for January 2026, this press launch incorporates revisions to information for earlier intervals. Hyperlinks in the primary physique of the press launch result in information which will change with subsequent releases on account of revisions. Until in any other case indicated, these euro area statistics cowl the EU Member States that had adopted the euro on the time to which the info relate.
- As of reference interval December 2014, the sector classification utilized to bank interest charges statistics is predicated on the European System of Accounts 2010 (ESA 2010). In accordance with the ESA 2010 classification and versus ESA 95, the non-financial companies sector (S.11) now excludes holding corporations not engaged in administration and related captive monetary establishments.
