As of February 2025, the Euro area has reported updated bank interest rates, highlighting distinct trends for both corporations and households in their borrowing and deposit activities.

According to official statistics released on April 2, 2025, the composite cost-of-borrowing indicator for new loans to corporations has decreased by 15 basis points to 4.10%.

Conversely, the indicator for new loans to households for house purchases has seen an increase of 8 basis points, reaching 3.33%.

In detail, the composite interest rate for new deposits with agreed maturity from corporations has diminished by 16 basis points, settling at 2.50%.

The interest rate for overnight deposits from corporations has decreased by 4 basis points to 0.72%.

Additionally, the interest rate on new loans to sole proprietors and unincorporated partnerships has remained largely stable at 4.55%.

Focusing on corporations, the average interest rate on new loans exceeding €1 million with a floating rate and an initial fixation period of up to three months has dropped by 27 basis points to 3.92%.

For loans of the same amount with an initial fixation period spanning more than three months but less than one year, rates fell by 11 basis points to 3.77%.

Loans of more than €1 million with an initial fixation period exceeding ten years decreased by 16 basis points to 3.44%.

Rates for smaller loans, specifically those up to €250,000, remained almost unchanged at 4.37%.

When examining deposit agreements for corporations, the interest rate on deposits with an agreed maturity of up to one year fell by 17 basis points to 2.50%, while the rate for overnight deposits decreased to 0.72%.

In contrast, for households, the composite cost of borrowing indicator for loans for house purchases has risen overall.

The interest rate for loans with a floating rate and an initial rate fixation of up to one year has decreased by 6 basis points, down to 4.00%.

However, loans with an initial fixation period ranging from over one to five years saw a rise of 4 basis points to 3.53%.

Rates for loans with longer initial fixation periods also increased, with those over five and up to ten years rising by 49 basis points to 3.37%, and those exceeding ten years increasing by 12 basis points to 3.09%.

Furthermore, the interest rate for new loans to households aimed at consumption declined by 7 basis points, leveling at 7.58%.

Concerning household deposits, the interest rates reflect a downward trend as well.

Rates for deposits with an agreed maturity of up to one year decreased by 14 basis points to 2.19%.

The interest rate for deposits redeemable at three months' notice fell by 19 basis points to 1.53%, while the overnight deposit rate remains steady at 0.32%.

This recent data provides insights into the evolving borrowing costs across the Euro area, indicating varied economic conditions and financial pressures faced by businesses and consumers alike.