Summary

• At the end of September 2025, the deposits of households, non-financial corporations and the general government stood at EUR 41.8bn, EUR 18.1bn and EUR 6.6bn, respectively.
• In the past year, household deposits went up at a rate of 7.6%, with overnight deposits increasing at a rate of 13.1% and time deposits decreasing at a rate of 6.3%.
• At the end of September 2025, loans to households, non-financial corporations and the general government stood at EUR 26.8bn, EUR 16.9bn and EUR 5.1bn, respectively.
• In the past year, household loans and loans to non-financial corporations increased at a rate of 14.0% and 12.8%, respectively.

According to monetary statistics data^[1], total domestic sectors' deposits^[2] amounted to EUR 69.2bn at end-September 2025, having increased by EUR 3.0bn (4.5%) in the third quarter of 2025 and having increased by EUR 5.3bn from the end of the third quarter of 2024. Their annual growth rate decelerated from 8.3% at end-June 2025 to 8.2% at end-September 2025.

Broken down by sectors, deposits recorded a growth in all sectors in the third quarter of 2025. Household deposits rose by EUR 1.1bn (2.6%), deposits of non-financial corporations rose by EUR 1.4bn (8.5%), while general government deposits went up by EUR 0.5bn (7.6%). In the past year, household deposits and deposits of non-financial corporations increased at a rate of 7.6% and 5.8%, respectively. At the end of September 2025, the deposits of households, non-financial corporations and the general government stood at EUR 41.8bn, EUR 18.1bn and EUR 6.6bn, respectively.

Figure 1 Domestic sector deposits with credit institutions

At the end of September 2025, overnight deposits^[3] of domestic sectors stood at EUR 49.7bn, with households accounting for EUR 31.4bn, non-financial corporations for EUR 13.2bn and the general government for EUR 3.9bn. In the third quarter of 2025, overnight deposits of households with credit institutions rose by EUR 1.1bn (3.6%), while overnight deposits of non-financial corporations with credit institutions increased by EUR 0.8bn (6.6%).

On an annual level, the growth in total overnight deposits decelerated from 11.5% at the end of June 2025 to 10.5% at the end of September 2025. The annual growth rate of overnight deposits of households and non-financial corporations slowed from 13.7% and 8.7% to 13.1% and 4.0%, respectively.

At the end of September 2025, time deposits of domestic sectors stood at EUR 19.5bn, with time deposits of households and non-financial corporations accounting for EUR 10.3bn and EUR 4.9bn, respectively. In the third quarter of 2025, time deposits of households dropped slightly, by EUR 42.7m (0.4%), while time deposits of non-financial corporations grew by EUR 0.6bn (13.7%).

On an annual level, the growth in total time deposits picked up from 1.2% at end-June 2025 to 2.9% at end-September 2025; the annual growth rate of time deposits of non-financial corporations rose from –3.8% to 11.1%, whereas the annual growth rate of household time deposits continued to decrease, from –5.7% to –6.3%.

Figure 2 Overnight and time deposits of households and non-financial corporations with credit institutions

At the end of September 2025, total loans to domestic sectors stood at EUR 49.3bn, which is an increase of EUR 0.8bn (1.7%) from the end of the second quarter of 2025 and an increase of EUR 4.4bn from end-September 2024. On an annual level, the growth in total loans to domestic sectors accelerated from 9.1% at end-June 2025 to 9.9% at end-September 2025.

Figure 3 Credit institutions' loans to domestic sectors

Broken down by sectors, at end-September 2025 household loans stood at EUR 26.8bn, with housing loans accounting for EUR 13.3bn and general-purpose cash loans for EUR 10.0bn. In the third quarter of 2025, household loans went up by EUR 0.7bn (2.6%). Housing loans grew by EUR 0.5bn (3.5%) and general-purpose cash loans by EUR 0.2bn (1.7%), while all other household loans^[4] rose by EUR 0.1bn (1.6%).

Household loans went up by EUR 3.3bn from the end of the third quarter of 2024. The annual growth in household loans thus accelerated from 13.9% at end-June 2025 to 14.0% at end-September 2025 due to the annual growth rate of housing loans increasing from 13.1% to 14.5% and the annual growth rate of other loans rising from 14.1% to 15.3%. The annual growth rate of general-purpose cash loans decreased steadily, from 14.9% to 12.8%.

Figure 4 Household loans

Loans to non-financial corporations stood at EUR 16.9bn at end-September 2025, having grown by EUR 0.1bn (0.5%) in the third quarter of 2025 and by EUR 1.9bn from the end of the third quarter of 2024. On an annual level, the growth of loans to non-financial corporations picked up from 12.2% at the end of June 2025 to 12.8% at the end of September 2025, largely reflecting the accelerated growth of investment loans^[5] (from 10.6% to 12.9%) and other loans^[6] (from 6.5% to 8.3%), while the growth in working capital loans decelerated (from 18.9% to 16.4%).

Figure 5 Loans to non-financial corporations

Statistical data time series: Aggregated balance sheet of other monetary financial institutions

1. Monetary statistics show the indicators of stocks and transactions of financial assets and liabilities of credit institutions. The changes and rates of change in the release are shown based on transactions. The transactions show changes that exclude the effects of exchange rate changes, reclassifications and write-offs of loans. ↑

2. Domestic sectors in the release include the general government, households, non-financial corporations, other financial institutions (investment funds other than money market funds, other financial intermediaries and financial auxiliaries) and insurance corporations and pension funds. Non-financial corporations consist of institutional units which are independent legal entities and market producers and whose principal activity is the production of goods and/or non-financial services. ↑

3. Overnight deposits comprise transaction (giro and current) accounts, savings deposits and a small share of electronic money and restricted deposits. ↑

4. Other household loans mainly refer to transaction account overdrafts, credit card loans, mortgage loans and other loans. ↑

5. Investment loans to non-financial corporations comprise loans for construction, tourism, agriculture and investments. ↑

6. Other loans to non-financial corporations mainly refer to syndicated loans, transaction account overdrafts, export finance loans, factoring and other loans. ↑