Introduction to Bank Interest Rates
The European Central Bank (ECB) regularly releases data on bank interest rates for corporations and households in the euro area. This data provides valuable insights into the financial health of the economy and the impact of monetary policy on borrowing and lending.
Bank Interest Rates for Corporations
The composite cost-of-borrowing indicator for corporations, which combines interest rates on all loans to corporations, increased in September 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 increased by 6 basis points to 3.13%. The rate on new loans of the same size with an initial rate fixation period of over three months and up to one year and the one on new loans of over €1 million with an initial rate fixation period of over ten years stayed almost constant at 3.38% and 3.57%, respectively.
Interest Rates on Deposits from Corporations
As regards new deposit agreements, the interest rate on deposits from corporations with an agreed maturity of up to one year stayed almost constant at 1.90% in September 2025. The interest rate on overnight deposits from corporations stayed almost constant at 0.52%.
Bank Interest Rates for Households
The composite cost-of-borrowing indicator for households, which combines interest rates on all loans to households for house purchase, showed no change in September 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 6 basis points to 3.53%. The rate on housing loans with an initial rate fixation period of over one and up to five years stayed almost constant at 3.39%.
Interest Rates on Deposits from Households
As regards new deposits from households, the interest rate on deposits with an agreed maturity of up to one year remained broadly unchanged at 1.74%. The rate on deposits redeemable at three months’ notice stayed almost constant at 1.21%. The interest rate on overnight deposits from households showed no change at 0.25%.
Further Information
The data on bank interest rates can be visualized 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.
Conclusion
In conclusion, the ECB’s data on bank interest rates provides valuable insights into the financial health of the euro area economy. The increase in the composite cost-of-borrowing indicator for corporations and the stability of the indicator for households suggest that monetary policy is having a positive impact on borrowing and lending. However, further analysis is needed to fully understand the implications of these trends and their potential impact on the broader economy.
