25/07/2025

Loan and deposit interest rate statistics - June 2025

I Weighted average bank interest rates on loans and deposits, CORPORATE sector – new business1)

  • The total weighted average interest rate on new dinar corporate loans came at 6.4% in June, having decreased by 0.2 pp from May, driven by the decline in the rate on working capital loans (by 0.1 pp, to 6.2%) and the reduced share of investment loans (from 16% in May to 8% in June) as the rate on these loans is higher than average. Relative to June 2024, when the NBS started its monetary policy easing, the interest rate on new dinar corporate loans went down by 1.7 pp.
  • The total weighted average interest rate on new еuro and euro-indexed corporate loans receded in June (by 0.4 pp) from May, to 4.7%, reflecting lower interest rates on working capital loans (down by 0.3 pp, to 4.5%) and on investment loans (by 0.3 pp, to 5.3%). Relative to June 2024, the interest rate on new еuro and euro-indexed corporate loans declined by 2.0 pp.
  • The weighted average interest rate on new dinar corporate deposits stayed unchanged in June at 4.2%, while the rate on FX deposits edged down by 0.2 pp, to 2.0%. The share of euro and euro-indexed deposits in total corporate FX deposits measured around 95% in June.

II Weighted average bank interest rates on loans and deposits, HOUSEHOLD sector – new business1)

  • The total weighted average interest rate on new dinar household loans decreased from May by 0.2 pp, to 9.6% in June, reflecting a decline in interest rates on cash loans by 0.2 pp, to 9.6%. Relative to June 2024, the rate on new dinar household loans went down by 2.1 pp.
  • The total weighted average interest rate on new еuro and euro-indexed household loans recorded a monthly decline by 0.3 pp to 4.6%, reflecting a decrease in the interest rates on housing loans by 0.3 pp, to 4.3%, and the higher share of these loans due to increased approval under the government programme “Housing Loans for the Young” on more favourable terms. The rate on other non-categorised loans also receded by 0.5 pp to 6.2%. Relative to June 2024, the rate on new еuro and euro-indexed household loans went down by 1.5 pp.
  • The interest rate on housing loans is below the 5% cap, determined by the Law on the Protection of Financial Service Consumers. Other bank interest rates on loans to natural persons in dinars and euros are also within the bounds prescribed by this Law.
  • The total weighted average interest rate on new dinar household deposits went down by 0.1 pp from May, to 4.3%, and the rate on FX household deposits dropped by 0.05 pp, to 2.7%. The share of euro and euro-indexed deposits in total household FX deposits in June was around 98%.

Note:
1) Interest rates on new business are weighted average interest rates on all new loans and deposits in the reporting month. According to the ECB methodology, which is applied by the NBS, new business comprises all new loan or deposit agreements concluded between banks and clients during the reporting month, except loans for debt rescheduling at interest rates significantly below the market ones. New business are all financial arrangements whose terms are agreed for the first time during the month and all existing contracts renegotiated with active client participation.

Economic Research and Statistics Department