Interest Rates on Bank Deposits and Loans: December 2025
04/02/2026 - Press Releases
- In December 2025, the weighted average interest rate on new deposits remained unchanged at 0.31%, while the corresponding rate on new loans decreased to 4.24%.
The interest rate spread between new deposits and loans decreased to 3.93 percentage points.
In December 2025, the weighted average interest rate on outstanding amounts of deposits remained unchanged at 0.31%, while the corresponding rate on loans remained almost unchanged at 4.60%.
The interest rate spread between outstanding amounts of deposits and loans remained almost unchanged at 4.29 percentage points.
1. Interest rates on euro-denominated new deposits and loans
New Deposits
In December 2025, the weighted average interest rate on new deposits remained unchanged at 0.31% 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 by non-financial corporations stood at 0.10% from 0.08% in the previous month.
The average interest rate on deposits with an agreed maturity of up to 1 year from households decreased by 5 basis points to 1.09%, while the corresponding rate from non-financial corporations increased by 4 basis points to 1.72%.
New Loans
The weighted average interest rate on new loans to households and non-financial corporations decreased by 41 basis points to 4.24%.
More specifically, the average interest rate on consumer loans without a defined maturity (a category that comprises credit cards, revolving loans and overdrafts) decreased by 4 basis points to 14.62%.
The average interest rate on consumer loans with a defined maturity at a floating rate decreased by 57 basis points to 10.57%, while the average interest rate on housing loans at a floating rate increased by 4 basis points to 3.44%.
The average interest rate on corporate loans without a defined maturity remained almost unchanged at 4.51%. The corresponding rate on loans to sole proprietors decreased by 9 basis points to 6.77%.
The average interest rate on new corporate loans with a defined maturity at a floating rate decreased by 29 basis points to 3.53%. The average interest rate on loans with a defined maturity at a floating rate to small and medium-sized enterprises (SMEs) increased by 7 basis points to 4.23%.
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 15 basis points to 4.67%, on loans of over €250,000 and up to €1 million it decreased by 5 basis points to 4.23%, while on loans of over €1 million it decreased by 28 basis points to 3.48%.
2. Interest rates on outstanding amounts of euro-denominated deposits and loans
Deposits
In December 2025, the weighted average interest rate on outstanding amounts of deposits (including overnight deposits) remained unchanged at 0.31%.
In particular, the average interest rate on outstanding amounts of deposits with an agreed maturity of up to 2 years placed by households remained almost unchanged at 1.16%, while the corresponding rate placed by non-financial corporations stood at 1.70% from 1.67% in the previous month.
Loans
The weighted average interest rate on outstanding amounts of loans remained almost unchanged at 4.60%.
In particular, the average interest rate on outstanding amounts of housing loans with over 5 years’ maturity remained almost unchanged at 3.59%. The corresponding rate on consumer and other loans to individuals and private non-profit institutions increased by 7 basis points to 8.27%.
The average interest rate on corporate loans with over 5 years’ maturity remained almost unchanged at 4.13%, while the corresponding rate on loans to sole proprietors stood at 5.31% from 5.28% in the previous month.
Table 1: Average interest rates on new euro-denominated deposits and loans (percentages % per annum)
| | | October 2025 | November 2025 | December 2025 |
| DEPOSITS | Overnight from households | 0.03 | 0.03 | 0.03 |
| Overnight from non-financial corporations | 0.10 | 0.08 | 0.10 |
| From households with an agreed maturity of up to 1 year | 1.14 | 1.14 | 1.09 |
| From non-financial corporations with an agreed maturity of up to 1 year | 1.72 | 1.68 | 1.72 |
| Weighted average rate on all new deposits | 0.31 | 0.31 | 0.31 |
| LOANS | Consumer without a defined maturity | 14.64 | 14.66 | 14.62 |
| Corporate without a defined maturity | 4.50 | 4.50 | 4.51 |
| To sole proprietors without a defined maturity | 6.85 | 6.86 | 6.77 |
| Housing at a floating rate | 3.43 | 3.40 | 3.44 |
| Consumer with a defined maturity at a floating rate | 11.30 | 11.14 | 10.57 |
| Corporate with a defined maturity at a floating rate: | 3.66 | 3.82 | 3.53 |
| -amounts of up to €250,000 | 4.72 | 4.52 | 4.67 |
| -amounts of over €250,000 and up to €1 million | 4.39 | 4.28 | 4.23 |
| -amounts of over €1 million | 3.58 | 3.76 | 3.48 |
| Loans with a defined maturity to small and medium-sized enterprises at a floating rate | 4.15 | 4.16 | 4.23 |
| Weighted average rate on all new loans | 4.44 | 4.65 | 4.24 |
| Interest rate spread | 4.13 | 4.34 | 3.93 |
| | | | | | |
Table 2: Average interest rates on outstanding amounts of euro-denominated deposits and loans (percentages % per annum)
| | | October 2025 | November 2025 | December 2025 |
| DEPOSITS | From households with an agreed maturity of up to 2 years | 1.20 | 1.18 | 1.16 |
| From non-financial corporations with an agreed maturity of up to 2 years | 1.67 | 1.67 | 1.70 |
| Weighted average rate on all outstanding deposits | 0.31 | 0.31 | 0.31 |
| LOANS | Housing with over 5 years’ maturity | 3.61 | 3.61 | 3.59 |
| Consumer and other loans to individuals and private non-profit institutions with over 5 years’ maturity | 8.22 | 8.20 | 8.27 |
| Corporate with over 5 years’ maturity | 4.12 | 4.12 | 4.13 |
| To sole proprietors with over 5 years’ maturity | 5.29 | 5.28 | 5.31 |
| Weighted average rate on all outstanding loans | 4.62 | 4.62 | 4.60 |
| Interest rate spread | 4.31 | 4.31 | 4.29 |
Notes:
- The interest rate spread is the difference between the weighted average rate on loans and the weighted average rate on deposits.
- For the calculation of the weighted average interest rate on all outstanding deposits, the overnight deposits are also taken into account.
- Loans at a floating rate comprise also loans with an initial rate fixation period of up to one year.
- New business refers to new contracts that were agreed during the reference month and not actual loan disbursements.
Related information:
The complete dataset of bank deposit and loan interest rates is published in the sub-section “Bank deposit and loan interest rates” on the Bank of Greece website.
The next Press Release for January 2026 will be published on 4 March 2026 according to the Advance release calendar on the Bank of Greece website.
Related links:
Bank deposit and loan interest rates
Advance release calendar