28/05/2026

Loan and deposit interest rate statistics – April 2026

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

  • The total weighted average interest rate on newly approved dinar loans to the corporate sector stood at 6.9% in April. Interest rate level was determined by the structure of dinar lending to corporates, as the share of investment loans, whose interest rate is above average, increased, while the share of working capital loans, whose interest rate is below average, decreased. As a result, the overall interest rate on dinar loans increased by 0.2 pp compared to the previous month. Relative to June 2024, when the NBS monetary policy easing began, the interest rate on new dinar loans to the corporate sector declined by 1.2 pp.
  • The total weighted average interest rate on new euro and euro-indexed loans to the corporate sector measured 5.1%. Within the loan structure, the share of working capital loans, which were approved at interest rates below the average for corporate euro and euro-indexed lending, decreased, resulting in the overall interest rate on euro-indexed corporate loans being 0.4 pp higher compared to the previous month. Relative to June 2024, the interest rate on new euro and euro-indexed loans to the corporate sector fell by 1.5 pp.
  • The average weighted interest rates on new dinar and FX corporate deposits in April increased by 0.6 pp and 0.1 pp from March, and measured 5.1% and 2.7%, respectively. The share of euro and euro-indexed deposits in total FX corporate deposits amounted to around 95% in April.

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

  • The total weighted average interest rate on new dinar loans to households stayed unchanged from March, measuring 8.3% in April, as a result of the flatlining of the rate on cash loans, which equalled 8.3% as well. Compared to August 2025, these rates were around 1.0 pp lower, reflecting the NBS supervisory expectations that borrowing costs for lower-income citizens should be more favourable. Compared to June 2024, the interest rate on new dinar household loans was 3.4. pp lower.
  • The total weighted average interest rate on new euro and euro-indexed loans to households declined from March by 0.1 pp to 4.6% in April, reflecting an equal decline in rate on housing loans, which came at 4.4% in April. Compared to June 2024, the interest rate on new euro and euro-indexed loans to households was lower by 1.5 pp.
  • The total average weighted interest rate on new dinar and FX household deposits increased by 0.3 pp and 0.1 pp, respectively, compared to March, reaching 4.9% and 3.4%. The share of euro and euro-indexed deposits in total FX household deposits amounted to around 97% in April.

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