As of October 2024, the volume of corporate loans in the eurozone was slightly higher than in the previous year. The monthly year-on-year change of corporate loans in the Euro area fluctuated significantly since January 2006, reaching negative growth rates in various occasions during the economic crisis of 2007.

The value of loans In the Euro Area increased 2.20 percent in June of 2025 over the same month in the previous year. This dataset provides the latest reported value for - Euro Area Private Credit Growth - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

Loans to Private Sector In the Euro Area increased to 5251455 EUR Million in June from 5228393 EUR Million in May of 2025. This dataset provides the latest reported value for - Euro Area Loans to Private Sector - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

In France, the outstanding amount of loans to non-financial corporations with a maturity of over five years was valued at one billion euros as of July 2024. Meanwhile, outstanding business loans with the same maturity in Germany amounted to 918 billion euros during that period. The total value of loans and advances in the European Union was forecasted to keep growing in 2025.

Key information about European Union Total Loans Growth

• European Union Total Loans Growth was reported at 3.91 % in Jan 2025
• This records an increase from the previous number of 3.10 % for Dec 2024
• European Union Total Loans Growth data is updated monthly, averaging 3.56 % from Sep 1998 to Jan 2025, with 317 observations
• The data reached an all-time high of 13.37 % in Oct 2007 and a record low of -6.36 % in Oct 2009
• European Union Total Loans Growth data remains active status in CEIC and is reported by CEIC Data
• The data is categorized under World Trend Plus’s Global Economic Monitor – Table: Total Loans: Y-o-Y Growth: Monthly

CEIC calculates monthly Total Loans Growth from monthly Total Loans. Total Loans are calculated as the sum of loans to Insurance Corp and Pension Funds, Other Financial Intermediaries, Households, Non Financial Sector, Govenment and Non Euro Area Residents. European Central Bank provides loans to Insurance Corp and Pension Funds, Other Financial Intermediaries, Households, Non Financial Sector, Govenment and Non Euro Area Residents in EUR. Federal Reserve Board average market exchange rate is used for currency conversions. Total Loans Growth covers lenders as MFIs, which include Central Bank. Total Loans Growth includes interbank loans.

The total value of loans and advances to households granted by banks in the European Union is expected to have a higher growth rate than business loans in 2023. Loans and advances to non-financial corporations are estimated to have reached a growth rate of *** percent in 2023, while the projected growth of household lending that year was *** percent. By 2024, loans to households in the EU are expected to reach nearly *** trillion euros.

Private Sector Credit In the Euro Area increased to 13680682 EUR Million in June from 13634547 EUR Million in May of 2025. This dataset provides the latest reported value for - Euro Area Private Sector Credit - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

Analysis of ‘Banks balance sheet - Growth rates of loans from euro area households and non-financial corporations’ provided by Analyst-2 (analyst-2.ai), based on source dataset retrieved from http://data.europa.eu/88u/dataset/bank-balance-sheet-loans-growth-rates on 10 January 2022.

--- Dataset description provided by original source is as follows ---

Monetary financial institution balance sheet statistics, growth rates of total loans to euro area households and non-financial corporations, as well as to euro area insurance corporations and pension funds and to other financial intermediaries (all currencies combined, all maturities, not seasonally adjusted, annual percentage changes).

--- Original source retains full ownership of the source dataset ---

The average interest rate of loans from monetary financial institutions to non-financial corporations in the euro area overall has decreased significantly in 2024 and 2025. In January of 2024 it amounted to 5.16, and by March 2025 it had fallen to 3.93 percent. These figures are a composite cost-of-borrowing indicator that shows the average interest rate of business loans (non-financial), taking into account those with different loan terms or for different amounts.

Bank Lending Rate In the Euro Area decreased to 3.73 percent in June from 3.81 percent in May of 2025. This dataset provides - Euro Area Bank Lending Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

In November of 2024, the volume of consumer loans in the Euro area was over three percent higher than in the same month of the previous year. The year-on-year change in consumer loans fluctuated significantly since January 2006. In early 2020, the growth in consumer loans decreased sharply due to the start of the global coronavirus (COVID-19) pandemic.

Graph and download economic data for Total Credit to Private Non-Financial Sector, Adjusted for Breaks, for Euro Area (QXMPAM770A) from Q1 1999 to Q4 2024 about adjusted, credits, Euro Area, nonfinancial, sector, Europe, and private.

Graph and download economic data for Bank Non-Performing Loans to Gross Loans for Euro Area (DISCONTINUED) from 1998 to 2015 about nonperforming, Euro Area, Europe, gross, loans, banks, and depository institutions.

Finland MFIs Loans: Euro Area: in EUR: NF: Over 1 to 5 Years data was reported at 23,094.985 EUR mn in May 2018. This records an increase from the previous number of 23,078.314 EUR mn for Apr 2018. Finland MFIs Loans: Euro Area: in EUR: NF: Over 1 to 5 Years data is updated monthly, averaging 17,142.338 EUR mn from Jan 2003 (Median) to May 2018, with 185 observations. The data reached an all-time high of 23,926.375 EUR mn in Mar 2017 and a record low of 10,602.520 EUR mn in Jan 2003. Finland MFIs Loans: Euro Area: in EUR: NF: Over 1 to 5 Years data remains active status in CEIC and is reported by Bank of Finland. The data is categorized under Global Database’s Finland – Table FI.KB003: Monetary Financial Institutions Loans: Non Financial Corporations.

Finland MFIs Loans: Euro Area: in EUR: NF: Over 5 Years data was reported at 173,753.742 EUR mn in May 2018. This records an increase from the previous number of 172,741.541 EUR mn for Apr 2018. Finland MFIs Loans: Euro Area: in EUR: NF: Over 5 Years data is updated monthly, averaging 129,734.286 EUR mn from Jan 2003 (Median) to May 2018, with 185 observations. The data reached an all-time high of 173,753.742 EUR mn in May 2018 and a record low of 59,626.600 EUR mn in Jan 2003. Finland MFIs Loans: Euro Area: in EUR: NF: Over 5 Years data remains active status in CEIC and is reported by Bank of Finland. The data is categorized under Global Database’s Finland – Table FI.KB003: Monetary Financial Institutions Loans: Non Financial Corporations.

Business credit, billion currency units in Euro area, April, 2025 The most recent value is 5212.8 billion Euro as of April 2025, an increase compared to the previous value of 5202.68 billion Euro. Historically, the average for Euro area from September 1997 to April 2025 is 4021.89 billion Euro. The minimum of 2083.97 billion Euro was recorded in September 1997, while the maximum of 5212.8 billion Euro was reached in April 2025. | TheGlobalEconomy.com

Spain Euro Area Cross Border Business: Loans: MFIs data was reported at 81.589 EUR bn in Mar 2018. This records an increase from the previous number of 72.026 EUR bn for Dec 2017. Spain Euro Area Cross Border Business: Loans: MFIs data is updated quarterly, averaging 67.282 EUR bn from Sep 1997 (Median) to Mar 2018, with 83 observations. The data reached an all-time high of 139.740 EUR bn in Jun 2008 and a record low of 29.313 EUR bn in Sep 1997. Spain Euro Area Cross Border Business: Loans: MFIs data remains active status in CEIC and is reported by European Central Bank. The data is categorized under Global Database’s Spain – Table ES.KB001: Domestic and Cross Border Position.

The benchmark interest rate In the Euro Area was last recorded at 2.15 percent. This dataset provides - Euro Area Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Banks are expected to keep increasing the supply of loans and advances to households in the European Union. By 2024, the value of outstanding lending to households is forecast to reach over *** trillion euros. In 2022, the total value of household credit owned by banks was **** trillion euros. Meanwhile, Greece and Denmark were some of the European countries with the lowest expected growth rates in household lending in 2022.

Access to finance of small and medium enterprises. Topics: development of the following indicators in the last six months: turnover, profit, profit margin, level of debt, cash flow, investment, level of exports, research and development, market share; existence of a development plan for the next three years; most important element to ensure the company’s development: better qualified people on the market, social and fiscal regulations more suited to the sector of activity, greater production capacity, easy access to means of financing, stricter regulation regarding competition from outside the EU, advice and support service for the development of the company; use of selected types of financing in the past: overdraft, leasing or renting, discount or factoring, increase in capital dedicated to venture capital funds or to private individuals, loans shorter or longer than a 3-year term, public subsidies; approximate amount of last loan; recent request for a loan less than 25000 €; needs to be met by this loan; assessment of the difficulties to obtain a loan less than 25000 € compared to other forms of company’s financing; most important elements to resort a loan less than 25000 €: lower interest rates, simpler procedures for granting loans, less demanding on guarantee requirements, shorter delays for granting loans; assessment of the current financing of the company as sufficient; institutions contacted to obtain financing: banks, public institutions, private financing companies, leasing or renting companies, venture capital companies, private investors; expectations regarding the increase of the company’s capital within the next years; measures to increase the company’s capital: opening-up capital to private individual investors or to venture capital companies, management buy-out, going on the stock exchange, opening-up capital to the company’s employees; assessment of the access to bank loans as easy; assessment of the development of the impediments to access bank loans compared to a few years ago; reasons that impede obtaining a bank loan compared to a few years ago: interest rates are too high, banks request too much information, loan granting procedures are too long, administrative side of the loan application is very demanding; approval of the following statements: loan is needed to conclude projects, unsuitable offers from banks, risk-averseness of banks, banker understands specifics of the company’s sector, banker sufficiently supports the company in terms of its financing; assessment how the company’s needs regarding financial management are met internally; preferred sources of information on financing. Demography: information about the company: number of employees, development of the number of employees since 2004; company size; main activity of the company; year of company establishment; shareholding of the company; turnover of the company in the own country in the last fiscal year. Additionally coded was: country; respondent ID; language of the interview; weighting factor. Unternehmensfinanzierung. Nutzung von Krediten. Schwierigkeiten bei Kreditaufnahme. Vorgehen von Kreditinstituten in Bezug auf Finanzierungsmöglichkeiten. Finanzierungsberatung. Themen: Finanzielle Situation des Unternehmens; 3-Jahres Plan; wichtigste Maßnahmen zur Festigung des Unternehmens: qualifizierte Mitarbeiter, der Branche angepasstere soziale und steuerliche Bestimmungen, größere Produktionskapazität, einfacher Zugang zu Finanzierungsmitteln, strengere Regulierung der Konkurrenz aus Nicht-EU-Ländern, Beratung und Unterstützung für die Unternehmensentwicklung; Inanspruchnahme finanzieller Leistungen (Dispositionskredit, Leasing/Mieten, Diskont/Factoring, Kapitalerhöhung für Wagniskapitalfonds und für Privatpersonen, (Kurz-)Darlehen, öffentliche Fördermittel); Höhe des letzten Kreditantrags; Verwendungsabsicht für den Kredit; Schwierigkeiten einen Kredit unter 250.000 Euro zu bekommen im Vergleich zu anderen Finanzierungsformen; Gründe für Kreditaufnahme (niedrigere Zinssätze, einfacherer Bewilligungsvorgang, geringere Anforderung auf Kreditsicherheit, kürzere Bearbeitungszeit für Kreditbewilligung); Einschätzung der Unternehmensfinanzierung als ausreichend für Projektrealisierung; primäre Anlaufstellen für den Erhalt von Finanzmitteln; Erschließungsmöglichkeiten für Kapital um finanzielle Bedürfnisse des Unternehmens zu erfüllen; Wege für die Kapitalerschließung des Unternehmens; Einschätzung der Schwierigkeit heutzutage einen Kredit bei Banken zu bekommen im Vergleich zu früher; Gründe, warum es heutzutage schwieriger ist einen Kredit bei einer Bank zu bekommen; Einstellung zu: Kreditabhängigkeit bei Durchführung von Projekten, nicht auf die Belange des Unternehmens zugeschnittene Angebote der Banken; geringe Risikobereitschaft von Banken bei Kreditvergabe; Verständnis für die spezifischen Belange der eigenen Branche durch den zuständigen Bankangestellten; ausreichende Unterstützung bei der Finanzierung durch die Bank; Beurteilung des firmeninternen Finanzmanagements; primäre Anlaufstelle für Finanzierungsberatung. Demographie: Angaben zum Unternehmen: Anzahl der Mitarbeiter, Entwicklung der Anzahl der Beschäftigten seit 2004, Unternehmensgröße, Hauptgeschäftsfeld des Unternehmens, Gründungsjahr, Aktienanteil des Unternehmens; Jahresumsatz des Unternehmens im letzten Geschäftsjahr. Zusätzlich verkodet wurde: Land; Befragten-ID; Interviewsprache; Gewichtungsfaktor.