Bank interest rates for corporations
The composite cost-of-borrowing indicator, which combines interest rates on all loans to corporations, remained broadly unchanged in November 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 4 basis points to 3.15%. The rate on new loans of the same size with an initial rate fixation period of over three months and up to one year rose by 7 basis points to 3.33%. The interest rate on new loans of over €1 million with an initial rate fixation period of over ten years increased by 7 basis points to 3.49%. 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 rose by 8 basis points to 3.67%.
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 1.91% in November 2025. The interest rate on overnight deposits from corporations stayed almost constant at 0.52%.
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 remained broadly unchanged at 4.00%.