Statistical releases

Statistical releases provide a summary of the most recent values and trends for the published statistical indicators series compiled by the Croatian National Bank.

Release of the statistical data on deposits and loans of credit institutions for June 2025

Release of the statistical data on deposits and loans of credit institutions for June 2025

Published: 31/7/2025

Summary:

  • At the end of June 2025, the deposits of households, non-financial corporations and the general government stood at EUR 40.7bn, EUR 16.7bn and EUR 6.2bn, respectively.
  • In the past year, household deposits went up at a rate of 8.1%, with overnight deposits increasing at a rate of 13.7% and time deposits decreasing at a rate of 5.7%.
  • At the end of June 2025, loans to households, non-financial corporations and the general government stood at EUR 26.1bn, EUR 16.8bn and EUR 5.0bn, respectively.
  • In the past year, household loans and loans to non-financial corporations increased at a rate of 13.9% and 12.2%, respectively.

According to monetary statistics data[1], total domestic sectors' deposits[2] amounted to EUR 66.2bn at end-June 2025, having increased by EUR 1.7bn (2.6%) in the second quarter of 2025 and having increased by EUR 5.1bn from the end of the second quarter of 2024. Their annual growth rate accelerated from 7.7% at end-March 2025 to 8.3% at end-June 2025.

Broken down by sectors, deposits recorded a growth in all sectors in the second quarter of 2025. Household deposits rose by EUR 0.6bn (1.5%), deposits of non-financial corporations rose by EUR 0.7bn (4.6%), while general government deposits went up by EUR 0.2bn (3.6%). In the past year, household deposits and deposits of non-financial corporations increased at a rate of 8.1% and 5.1%, respectively. At the end of June 2025, the deposits of households, non-financial corporations and the general government stood at EUR 40.7bn, EUR 16.7bn and EUR 6.2bn, respectively.

Figure 1 Domestic sector deposits with credit institutions

At end-June 2025, overnight deposits[3] of domestic sectors stood at EUR 47.1bn, with households accounting for EUR 30.3bn, non-financial corporations for EUR 12.4bn, and the general government for EUR 3.4bn. In the second quarter of 2025, overnight deposits with credit institutions recorded a growth. Overnight deposits of households with credit institutions rose by EUR 0.9bn (3.2%), while overnight deposits of non-financial corporations with credit institutions increased by EUR 0.9bn (7.5%).

On an annual level, total overnight deposits accelerated their growth from 8.8% at the end of March 2025 to 11.5% at the end of June 2025. The annual growth rate of overnight deposits of households and non-financial corporations increased from 11.4% and 4.1% to 13.7% and 8.7%, respectively.

At end-June 2025, time deposits of domestic sectors stood at EUR 19.1bn, with time deposits of households and non-financial corporations accounting for EUR 10.4bn and EUR 4.3bn, respectively.

The second quarter of 2025 witnessed a decline in overnight deposits. Thus, overnight deposits of households dropped by EUR 0.3bn (3.1%), while overnight deposits of non-financial corporations fell by EUR 0.1bn (3.1%).

On an annual level, total time deposits decelerated their growth from 5.3% at the end of March 2025 to 1.2% at the end of June 2025. The annual decline in time deposits of households accelerated from –0.1% to –5.7%, while the annual decrease in time deposits of non-financial corporations decelerated from –4.4% to –3.8%.

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

At the end of June 2025, total loans to domestic sectors stood at EUR 48.5bn, which is an increase of EUR 1.4bn (3.0%) from the end of the first quarter of 2025 and an increase of EUR 4.1bn from end-June 2024. On an annual level, the growth in total loans to domestic sectors accelerated from 8.3% at end-March 2025 to 9.1% at end-June 2025.

Figure 3 Credit institutions' loans to domestic sectors

Broken down by sectors, at end-June 2025 household loans stood at EUR 26.1bn, with housing loans accounting for EUR 12.8bn and general-purpose cash loans for EUR 9.9bn. In the second quarter of 2025, household loans went up by EUR 1.1bn (4.4%). Housing loans grew by EUR 0.6bn (5.2%) and general-purpose cash loans by EUR 0.4bn (4.0%), while all other household loans[4] rose by EUR 0.1bn (2.7%).

Household loans went up by EUR 3.2bn from the end of the second quarter of 2024. The annual growth in household loans thus accelerated from 12.5% at end-March 2025 to 13.9% at end-June 2025 due to the annual growth rate of housing loans increasing from 10.0% to 13.1% and the annual growth rate of other loans rising from 13.2% to 14.1%. The annual growth rate of general-purpose cash loans went down from 15.5% to 14.9%.

Figure 4 Household loans

Loans to non-financial corporations stood at EUR 16.8bn at end-June 2025, having grown by EUR 0.6bn (3.4%) in the second quarter of 2025 and by EUR 1.8bn from the end of the second quarter of 2024. On an annual level, the growth of loans to non-financial corporations held steady and stood at 12.2% at end-June 2025, unchanged from the levels recorded at end-March 2025. Growth of working capital loans and investment loans accelerated (from 18.7% and 9.2% to 18.9% and 10.6%, respectively), while the growth of other loans decelerated (from 9.4% to 6.5%).

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.