The trend of growth in loans to households and businesses continues. In August, the total loans grew by 3.4% year-on-year, accelerating compared to the change recorded the previous month (+3.3%), continuing the loan growth path started in March 2025. This emerges from the monthly bulletin of Abi relating to the month of August. Loans to businesses benefited from a greater driving force. For households, August was the twentieth consecutive month of increase, and for businesses, it was the fourteenth consecutive month of loan growth. In July 2026, loans to businesses had increased by 4.1%, while those to households by 2.6 percent.
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Mortgage interest rate rises to 3.56 percent
In the same month, the average rate on new transactions for home purchases increased to 3.56% (+0.16% compared to the previous month; it was 4.42% in December 2023); the average rate on new financing operations to businesses decreased to 3.66 percent (-0.13% compared to the previous month; it was 5.45% in December 2023). The average rate on total loans (therefore subscribed over the years) was 4.19% (+0.02% compared to the previous month).
Deposits +1.8% over July, at 1,869 billion
The total direct collection (deposits from resident customers and bonds) increased by 2.3% year-on-year, continuing the positive trend recorded since the beginning of 2024 (+2.8% the previous month). Deposits, in various forms, grew by 1.8% year-on-year (+2.4% the previous month): the value stands at 1,869 billion, slightly below the record values reached in previous months. Medium and long-term collection, through bonds, increased by 6.0% compared to a year earlier (+5.7% the previous month). Indirect collection, i.e., investments in securities held by banks, showed an increase of 45 billion between July 2025 and July 2026.
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The rate on current accounts remains at 0.32%
The average rate on new fixed-term deposits (i.e., certificates of deposit and time deposits) increased to 2.40%, (2.39% the previous month) and higher than the euro area average which stood at 2.22% in July. The average rate on total deposits (certificates of deposit, savings deposits, and current accounts) was 0.69 percent. The rate on current accounts was 0.32% (unchanged in July 2026).
Net non-performing loans amounted to 28 billion euros, down from 28.6 billion in March 2026. In July, net non-performing loans represented 1.30% of total loans. This ratio was lower compared to March 2026 (1.35%).
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