Composite cost-of-borrowing indicator for new loans to corporations unchanged at 3.57%; indicator for new loans to households for house purchase broadly unchanged at 3.35%.

• Composite interest rate for new deposits with agreed maturity from corporations decreased by 4 basis points to 1.91%; interest rate for overnight deposits from corporations unchanged at 0.52%.
• Composite interest rate for new deposits with agreed maturity from households broadly unchanged at 1.82%; interest rate for overnight deposits from households unchanged at 0.25%.

Composite cost-of-borrowing indicator for new loans to corporations increased by 7 basis points to 3.57%; indicator for new loans to households for house purchase broadly unchanged at 3.32%.

• Composite interest rate for new deposits with agreed maturity from corporations broadly unchanged at 1.95%; interest rate for overnight deposits from corporations unchanged at 0.52%.
• Composite interest rate for new deposits with agreed maturity from households increased by 5 basis points to 1.85%, driven by both interest rate and weight effects; interest rate for overnight deposits from households unchanged at 0.25%.

Composite cost-of-borrowing indicator for new loans to corporations and for new loans to households for house purchase broadly unchanged at 3.50% and 3.30%, respectively.

• Composite interest rate for new deposits with agreed maturity from corporations broadly unchanged at 1.93%; interest rate for overnight deposits from corporations broadly unchanged at 0.52%.
• Composite interest rate for new deposits with agreed maturity from households and for overnight deposits from households unchanged at 1.80% and 0.25%, respectively.

Composite cost-of-borrowing indicator for new loans to corporations broadly unchanged at 3.51%; indicator for new loans to households for house purchase unchanged at 3.31%

• Composite interest rate for new deposits with agreed maturity from corporations broadly unchanged at 1.92%; interest rate for overnight deposits from corporations unchanged at 0.52%
• Composite interest rate for new deposits with agreed maturity from households broadly unchanged at 1.81%; interest rate for overnight deposits from households unchanged at 0.25%

Composite cost-of-borrowing indicator for new loans to corporations increased by 4 basis points to 3.49%; indicator for new loans to households for house purchase unchanged at 3.31%

• Composite interest rate for new deposits with agreed maturity from corporations and for overnight deposits from corporations broadly unchanged at 1.91% and 0.52%, respectively
• Composite interest rate for new deposits with agreed maturity from households broadly unchanged at 1.78%; interest rate for overnight deposits from households unchanged at 0.25%

The composite cost-of-borrowing indicator for new euro area corporate loans fell -6 bps to 3.46% in August 2025, while household housing loan rates were broadly stable at 3.31%.

• Corporate loans >€1m with ≤3M fixation dropped sharply by -17 bps to 3.07%, while those with >3M–1Y fixation fell -6 bps to 3.35%.

• Corporate loans >€1m with >10Y fixation remained stable at 3.55%, showing limited change in long-term borrowing costs.

• Smaller corporate loans ≤€250k with ≤3M fixation rose +7 bps to 3.59%, reflecting both interest rate adjustments and weight effects.

• Loans to sole proprietors with ≤1Y fixation were steady at 3.95%, maintaining stability for small business borrowing.

• Corporate deposits with ≤1Y maturity (1.88%) and overnight deposits (0.51%) were unchanged, indicating stable short-term funding costs.

• Household housing loans showed little movement: ≤1Y fixation stayed at 3.59%, >1–5Y at 3.41%, and >5–10Y at 3.46%, while >10Y loans ticked up +6 bps to 3.18%.

• Household consumption loans rose +5 bps to 7.51%, marking a continued upward trend in consumer borrowing costs.

• Household deposits were broadly stable: ≤1Y maturity at 1.71%, overnight at 0.25%, though deposits redeemable at 3M notice fell -21 bps to 1.22%.