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Interest rates

The statistics behind bank interest rates distinguish between “new business” and “outstanding amounts”.

“New business” is defined as any new agreement between a household or a non-financial corporation and a bank. New agreements comprise all financial contracts, the terms and conditions of which specify, for the first time, the interest rate on a deposit or loan, as well as all new negotiation of existing deposits and loans. Existing deposit and loan contracts that are prolonged automatically, i.e. without the active involvement of the household or non-financial corporation, and that do not involve any renegotiation of the terms and conditions, including the interest rate, are not considered new business. 

“Outstanding amounts” are defined as the stock of all deposits held by households and non-financial corporations with banks and the stock of all loans extended by banks to households and non-financial corporations.

Bank interest rate statistics are published in a monthly press release on the 23th day working day after the end of the reference period. They are also published in various deliverables, namely: the Statistical Annex of the ECB’s Economic Bulletin, Statistical Bulletin, Annual Report and the ESRB Risk Dashboard.

A subset of the bank interest rate statistics is visually presented in “Our statistics” at

Publication Tables
Press releases


MFI interest rate statistics 


Economic Bulletin

2. Financial developments (sections 2.4 and 2.5)


Statistics Bulletin

4. Financial markets (section 4.5)


ESRB Risk Dashboard

3. Credit risk (3.3/3.4 Cost of borrowing from MFIs and 3.5/3.6 Lending margins of MFIs)


Annual Report

1. Financial and monetary developments (Statistical section, tables 1.6 and 1.7)

Detailed MIR tables

Bank interest rates on loans and deposits


Bank interest rate statistics refer to the interest rates that are individually agreed between a bank and its customers. They can therefore be different from the advertised rates, as households and non-financial corporations may be able to negotiate better terms and conditions than those advertised. Bank interest rates are converted to an annual basis and quoted in percentages per annum.

Bank interest rate statistics for the euro area refer to instrument categories rather than to individual products. The instrument categories are largely consistent with those of the MFI balance sheet statistics. The coverage of the various instrument categories in the MFI balance sheet statistics is defined in Regulation (EU) No 1071/2013 of the ECB concerning the balance sheet of the monetary financial institutions sector (ECB/2013/33).


Regulation ECB/2013/34 concerning statistics on interest rates applied by monetary and financial institutions (recast)

Regulation ECB/2014/30 amending Regulation ECB/2013/34 concerning statistics on interest rates applied by monetary financial institutions

Guideline ECB/2014/15 on monetary and financial statistics

Guideline ECB/2016/45 amending Guideline ECB/2014/15 on monetary and financial statistics

Manual on MFI interest rate statistics

Short general description of MFI interest rate statistics

New MFI interest rates statistics introduced in Regulation ECB/2013/34 and Guideline ECB/2014/15