Summary

• At the end of December 2025, the deposits of households, non-financial corporations and the general government stood at EUR 42.3bn, EUR 18.2bn and EUR 6.6bn, respectively.
• In the past year, household deposits went up at a rate of 6.7%, with overnight deposits increasing at a rate of 11.4% and time deposits decreasing at a rate of 5.9%.
• At the end of December 2025, loans to households, non-financial corporations and the general government stood at EUR 27.4bn, EUR 17.5bn and EUR 5.2bn, respectively.
• In the past year, household loans and loans to non-financial corporations increased at a rate of 13.0% and 12.7%, respectively.

According to monetary statistics data^[1], total domestic sectors' deposits^[2] amounted to EUR 69.8bn at end-December 2025, having increased by EUR 4.2bn from the end of December 2024. Their annual growth rate decelerated from 8.2% at end-September 2025 to 6.4% at end-December 2024.

In the past year, household deposits increased by EUR 2.6bn (6.7%) and the deposits of non-financial corporations increased by EUR 1.0bn (5.8%). At the end of December 2025, the deposits of households, non-financial corporations and the general government stood at EUR 42.3bn, EUR 18.2bn and EUR 6.6bn, respectively.

Figure 1 Domestic sector deposits with credit institutions

At the end of December 2025, the overnight deposits^[3] of domestic sectors stood at EUR 50.7bn, with households accounting for EUR 32.1bn, non-financial corporations for EUR 13.3bn and the general government for EUR 4.2bn.

Total overnight deposits decelerated their annual growth, from 10.5% at end-September 2025 to 8.7% at end-December 2025. The annual growth in overnight deposits of households slowed down from 13.1% to 11.4%, while the annual growth of overnight deposits of non-financial corporations held steady at 4.0%.

At the end of December 2025, the time deposits of domestic sectors stood at EUR 19.1bn, with time deposits of households and non-financial corporations accounting for EUR 10.2bn and EUR 4.9bn, respectively.

Total time deposits decelerated their annual growth, from 2.9% at end-September 2025 to 0.9% at end-December 2025. The decline in time deposits of households decelerated from –6.3% to –5.9%, while the annual increase in time deposits of non-financial corporations slowed down from 11.1% to 11.0%.

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

At the end of December 2025, total loans to domestic sectors stood at EUR 50.7bn, having gone up by EUR 5.1bn from the end of December 2024. On an annual level, the growth in total loans to domestic sectors accelerated from 9.9% at end-September 2025 to 11.2% at end-December 2025.

Figure 3 Credit institutions' loans to domestic sectors

Broken down by sectors, at end-December 2025 household loans stood at EUR 27.4bn, with housing loans accounting for EUR 13.7bn and general-purpose cash loans for EUR 10.6bn^[4].

Household loans went up by EUR 3.2bn from the end of December 2024. The annual growth in household loans slowed down from 14.0% at end-September 2025 to 13.0% at end-December 2025 due to the annual growth rate of general-purpose cash loans decreasing from 12.8% to 11.3% and the annual growth rate of other loans^[5] dropping from 15.3% to 9.2% (as a result of the base effect of the takeover of the portfolio of other financial institutions). The growth in housing loans continued to accelerate, from 14.5% to 15.5%.

Figure 4 Household loans

Loans to non-financial corporations stood at EUR 17.5bn at end-December 2025, having gone up by EUR 2.0bn from the end of December 2024. On an annual level, the growth in loans to non-financial corporations slowed down from 12.8% at the end of September 2025 to 12.7% at the end of December 2025, reflecting the deceleration in the growth of investment loans^[6] (from 12.9% to 12.3%) and the unchanged growth in working capital loans (16.4%), while the growth in other loans^[7] accelerated (from 8.3% to 8.9%).

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. With a view to improving the quality of data on household loans, as of the reporting date of 31 December 2025, a portion of mortgage loans was reclassified as general-purpose cash loans with a collateral in the amount of EUR 412.4m and as other loans in the amount of EUR 8.1m. The reclassification resulted in an increase in the stock of general-purpose cash loans and a decrease in the stock of other loans and was excluded from transactions in table D5c: Other monetary financial institutions' loans to households by purpose and currency and from growth rate calculation. ↑

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

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

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