Euro area bank interest rate statistics: March 2025

Bank interest rates for corporations

The composite cost-of-borrowing indicator, which combines interest rates on all loans to corporations, decreased in March 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 31 basis points to 3.67%. 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 3.78%. The interest rate on new loans of over €1 million with an initial rate fixation period of over ten years increased by 13 basis points to 3.57%. 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 35 basis points to 4.02%.

As regards new deposit agreements, the interest rate on deposits from corporations with an agreed maturity of up to one year fell by 18 basis points to 2.32% in March 2025. The interest rate on overnight deposits from corporations fell by 5 basis points to 0.67%.

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 19 basis points to 4.36%.