Summary:

• At the end of September 2026, the deposits of households, non-financial corporations and the general government stood at EUR 43.9bn, EUR 19.5bn and EUR 7.3bn, respectively.
• In the past year, household deposits went up at a rate of 5.2%, with overnight deposits increasing at a rate of 8.5% and time deposits decreasing at a rate of 4.6%.
• At the end of September 2026, loans to households, non-financial corporations and the general government stood at EUR 29.6bn, EUR 18.5bn and EUR 4.8bn, respectively.
• In the past year, household loans and loans to non-financial corporations increased at a rate of 10.9% and 9.7%, respectively.

According to monetary statistics data^[1], total domestic sectors' deposits^[2] amounted to EUR 73.8bn at end-September 2026, having increased by EUR 4.7bn from the end of September 2025. Their annual growth rate remained unchanged at 6.8%, the same as at end-June 2026. Household deposits increased by EUR 2.2bn (5.2%) and the deposits of non-financial corporations increased by EUR 1.4bn (7.7%) (Figure 1).

Figure 1 Domestic sector deposits with credit institutions

At end-September 2026, the deposits of households stood at EUR 43.9bn, with non-financial corporations accounting for EUR 19.5bn, and the general government for EUR 7.3bn.

Overnight deposits^[3], amounting to EUR 53,9bn, accounted for the largest share in total deposits, with households accounting for EUR 34.1bn, non-financial corporations for EUR 14.0bn, and the general government for EUR 4.2bn. Time deposits stood at EUR 19.9bn, with time deposits of households accounting for EUR 9.9bn and non-financial corporations accounting for EUR 5.5bn (Figure 2).

Total overnight deposits decelerated their annual growth from 8.9% at end-June 2026 to 8.5% at end-September 2026. Households recorded the same decrease in the growth rate (from 8.9% to 8.5%), while the annual rise in overnight deposits of non-financial corporations accelerated from 5.5% to 6.0%.

On an annual level, the growth in total time deposits accelerated from 1.6% at end-June 2026 to 2.4% at end-September 2026. Since the annual growth in time deposits of non-financial corporations slowed down from 15.7% to 12.3%, with the simultaneous fall in time deposits of households accelerating from –3.5% to –4.6%, the acceleration in the growth of total deposits is entirely the result of movements in the time deposits of other sectors.

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

At the end of September 2026, total loans to domestic sectors stood at EUR 53.9bn, having gone up by EUR 4.7bn from the end of September 2025. Thus, the growth in total loans to domestic sectors slowed down from 10.2% at end-June 2026 to 9.5% at end-September 2026.

Broken down by sectors (Figure 3), at end-September 2026 household loans stood at EUR 29.6bn, with housing loans accounting for EUR 15.0bn and general-purpose cash loans for EUR 11.6bn.^[4] Loans to non-financial corporations stood at EUR 18.5bn at end-September 2026, of which working capital loans accounted for EUR 6.2bn and investment loans for EUR 7.7bn.

Figure 3 Credit institutions' loans to domestic sectors

Household loans went up by EUR 2.9bn from the end of September 2025. On an annual level (Figure 4), their growth decelerated moderately from 11.0% at end-June 2026 to 10.9% at end-September 2026 due to the decrease in the annual growth rate of housing loans and other loans^[5] from 13.0% and 8.2% to 12.5% and 6.3%, respectively, while the growth rate of general-purpose cash loans simultaneously increased from 9.2% to 10.2%.

Figure 4 Household loans

Loans to non-financial corporations went up by EUR 1.6bn from the end of September 2025. This is a growth rate of 9.7% at end-September 2026, the same as at end-June 2026. Broken down by purpose, the growth in investment loans^[6] remained unchanged at the level of 9.8%, while the growth in working capital loans slowed down (from 10.6% to 10.3%), and that of other loans^[7] accelerated (from 8.5% to 9.0%), Figure 5.

Figure 5 Loans to non-financial corporations

Statistical 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 538.0m 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 growth rate calculation and transactions in table D5c: Other monetary financial institutions' loans to households by purpose and currency. ↑

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. ↑