Euro area bank interest rate statistics: June 2025

  • Composite cost-of-borrowing indicator for new loans to corporations decreased by 5 basis points to 3.61%; indicator for new loans to households for house purchase unchanged at 3.30%
  • Composite interest rate for new deposits with agreed maturity from corporations decreased by 12 basis points to 1.94%; interest rate for overnight deposits from corporations decreased by 5 basis points to 0.53%
  • Composite interest rate for new deposits with agreed maturity from households decreased by 6 basis points to 1.81%; interest rate for overnight deposits from households broadly unchanged at 0.27%

Mise en ligne le 31 Juillet 2025

Bank interest rates for corporations


Chart 1
Bank interest rates on new loans to, and deposits from, euro area corporations
 

Image Bank interest rates on new loans to, and deposits from, euro area corporations Thématique Rates and prices Catégorie ECB press release
(percentages per annum)

Data for cost of borrowing and deposit interest rates for corporations (Chart 1)


The composite cost-of-borrowing indicator, which combines interest rates on all loans to corporations, decreased in June 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 remained broadly unchanged at 3.29%. The rate on new loans of the same size with an initial rate fixation period of over three months and up to one year fell by 7 basis points to 3.41%. The interest rate on new loans of over €1 million with an initial rate fixation period of over ten years decreased by 17 basis points to 3.54%. 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 7 basis points to 3.71%. 
As regards new deposit agreements, the interest rate on deposits from corporations with an agreed maturity of up to one year fell by 12 basis points to 1.93% in June 2025. The interest rate on overnight deposits from corporations fell by 5 basis points to 0.53%. 
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 14 basis points to 3.97%. 
 

Mise à jour le 31 Juillet 2025