Loans to Private Sector In the Euro Area decreased to 5228393 EUR Million in May from 5230837 EUR Million in April 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.

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.

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.

Bank Lending Rate In the Euro Area decreased to 3.81 percent in May from 3.92 percent in April of 2025. This dataset provides - Euro Area Bank Lending Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

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.

The value of loans In the Euro Area increased 2 percent in May 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.

The value of outstanding loans to non-financial corporations in the euro area has remained quite stable between early 2023 and July 2024. Meanwhile, the value of adjusted loans outstanding to non-financial corporations in January 2020 was roughly 4.58 billion euros. The interest rates on business loans in the Eurozone increased considerably in 2022 and 2023.

Luxembourg, the Netherlands, and Malta were the Eurozone countries with the lowest average interest rates on non-financial corporations as of July 2024. Meanwhile, the average business loan interest rate for the euro area was 5.06 percent. On the other side of the spectrum, Estonia and Latvia were two of the countries with the highest business loan interest rates. The interest rates on consumer loans in Eurozone countries were even more varied.

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.

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 ---

Graph and download economic data for Bank Non-Performing Loans to Gross Loans for Euro Area (DISCONTINUED) (DDSI02EZA156NWDB) from 1998 to 2015 about nonperforming, Euro Area, Europe, gross, loans, banks, and depository institutions.

Analysis of ‘Banks balance sheet - Flows 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-flows on 07 January 2022.

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

Monetary financial institution balance sheet statistics, 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, denominated in Euro, not seasonally adjusted, financial transactions).

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

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.

Analysis of ‘Bank interest rates - Loans to euro area housholds’ provided by Analyst-2 (analyst-2.ai), based on source dataset retrieved from http://data.europa.eu/88u/dataset/bank-interest-rates-loans-households on 08 January 2022.

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

The bank interest rate statistics cover those rates that resident monetary financial institutions apply to euro-denominated deposits and loans by households and non-financial corporations that are residents of the euro area. These statistics are used for the analysis of monetary developments and the monetary transmission mechanism as well as for the monitoring of financial stability.

This dataset covers Euro-denominated loans to euro area households (percentages per annum, rates on new business).

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

Most of the outstanding amount of loans to non-financial loans in the Eurozone as of July 2024 had a maturity of over five years. This type of loan amounted to over three trillion euros. Meanwhile, there were approximately one trillion euros worth of loans from one to five years to businesses in the euro area.

The variables included in the dataset are real GDP (seasonally adjusted, in log-levels, https://sdw.ecb.de/quickview.do?SERIES_KEY=314.MNA.Q.Y.AT.W2.S1.S1.B.B1GQ._Z._Z._Z.EUR.LR.N), the GDP Deflator (seasonally adjusted, in log-levels, https://data.ecb.europa.eu/data/datasets/MNA/MNA.Q.Y.AT.W2.S1.S1.B.B1GQ._Z._Z._Z.IX.D.N), CPI (food and energy excluded, base year 2015, seasonally adjusted, enters in log-levels, https://www.oecd.org/en/data/indicators/inflation-cpi.html}{retrieved from OECD Data Archive), the EUR/USD exchange rate (https://data.ecb.europa.eu/data/datasets/EXR/EXR.D.USD.EUR.SP00.A), a measure of bank concentration by country (interpolated to a quarterly series from yearly values, only contemporaneous values included, https://data.ecb.europa.eu/data/datasets/SSI/SSI.A.AT.122C.H10.X.A1.Z0Z.Z) the cost of new short-term (https://data.ecb.europa.eu/data/datasets/MIR/MIR.M.U2.B.A2J.FM.R.A.2230.EUR.N) and long-term (https://data.ecb.europa.eu/data/datasets/MIR/MIR.M.U2.B.A2J.KM.R.A.2230.EUR.N) borrowing in the euro area, the monetary policy shocks as in Altavilla et al. (2019) (https://doi.org/10.1016/j.jmoneco.2019.08.016), which were summed up to quarterly values, and finally the loans granted by Euro Area Monetary Financial Institutions to domestic non financial corporations (https://data.ecb.europa.eu/data/datasets/QSA/QSA.Q.N.AT.W2.S12K.S11.N.A.LE.F4.T.Z.XDC.T.S.V.N.T). To conclude, the time series on loans granted by investment funds and the aggregate size of the bonds issued by non-financial corporations that are held/issued by each country (retrieved from the Securities Holdings Statistics by Sector dataset) are confidential series and cannot be shared.

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.

Analysis of ‘Bank interest rates - Deposits from euro area non-financial corporations’ provided by Analyst-2 (analyst-2.ai), based on source dataset retrieved from http://data.europa.eu/88u/dataset/bank-interest-rates-euro-area-corporates on 21 November 2021.

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

The bank interest rate statistics cover those rates that resident monetary financial institutions apply to euro-denominated deposits and loans by households and non-financial corporations which are residents of the euro area. These statistics are used for the analysis of monetary developments and the monetary transmission mechanism as well as for the monitoring of financial stability.

This dataset covers euro-denominated deposits from euro area non-financial corporations (percentages per annum, rates on new business).

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

Luxembourg Bank Loans: Other Euro Area: with Maturity: Non Financial Corporations (NF) data was reported at 44,905.000 EUR mn in Oct 2018. This records a decrease from the previous number of 47,203.000 EUR mn for Sep 2018. Luxembourg Bank Loans: Other Euro Area: with Maturity: Non Financial Corporations (NF) data is updated monthly, averaging 36,866.193 EUR mn from Jan 1999 (Median) to Oct 2018, with 238 observations. The data reached an all-time high of 54,479.363 EUR mn in Feb 2009 and a record low of 24,259.287 EUR mn in Jan 1999. Luxembourg Bank Loans: Other Euro Area: with Maturity: Non Financial Corporations (NF) data remains active status in CEIC and is reported by Central Bank of Luxembourg. The data is categorized under Global Database’s Luxembourg – Table LU.KB003: Bank Loans: by Sector.

Time series data on euro area loans and its drivers