Interest rates on deposits and loans almost unchanged in July

In July 2026, the weighted average interest rates on new deposits and loans remained almost unchanged at 0.39% and 4.67% respectively, according to the Bank of Greece (BoG).

The interest rate spread between new deposits and loans remained unchanged at 4.28 percentage points, BoG added.

In July 2026, the weighted average interest rate on outstanding amounts of deposits remained almost unchanged at 0.37%, while the corresponding rate on loans increased to 4.81%.

The interest rate spread between outstanding amounts of deposits and loans increased to 4.44 percentage points.

New Deposits

In July 2026, the weighted average interest rate on new deposits remained almost unchanged at 0.39% compared with the previous month.

In particular, the average interest rate on overnight deposits placed by households remained unchanged at 0.03%, while the corresponding rate on deposits placed by non-financial corporations decreased by 7 basis points to 0.13%.

The average interest rate on deposits with an agreed maturity of up to 1 year from households increased by 4 basis points to 1.24%, while the corresponding rate on deposits from non-financial corporations increased by 11 basis points to 2.02%.

New Loans

The weighted average interest rate on new loans to households and non-financial corporations remained almost unchanged at 4.67% compared with the previous month.

Specifically, the average interest rate on consumer loans without a defined maturity (a category that comprises credit cards, revolving loans and overdrafts) increased by 6 basis points to 14.55%.

The average interest rate on consumer loans with a defined maturity at a floating rate decreased by 18 basis points to 10.45%, while the average interest rate on housing loans at a floating rate remained almost unchanged at 3.53%.

The average interest rate on corporate loans without a defined maturity increased by 7 basis points to 4.76%. Τhe corresponding rate on loans to sole proprietors increased by 9 basis points to 6.91%.

The average interest rate on new corporate loans with a defined maturity at a floating rate remained almost unchanged at 4.21%. The average interest rate on loans with a defined maturity at a floating rate to small and medium-sized enterprises (SMEs) decreased by 6 basis points to 4.45%.

As regards the structure of interest rates according to the size of loans granted, the average rate on loans of up to €250,000 increased by 12 basis points to 5.07%, on loans of over €250,000 and up to €1 million it remained unchanged at 4.52%, while on loans of over €1 million it decreased by 4 basis points to 4.14%.

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