ROMA (ITALPRESS) – In November 2025 the amount of loans to enterprises and families grew by 1.9% on an annual basis, more than it had grown in October (+1.7%), when loans to households had grown by 2.2% and those to enterprises by 1.2%. For families it is the eleventh consecutive month in which an increase has been recorded and for enterprises it is the fifth consecutive month in which funding has grown. It highlights the ABI in the monthly report.
The indirect collection, i.e. investment in securities held at banks, increased by 98.6 billion between October 2024 and October 2025 (30.8 billion households, 18.9 billion enterprises and the remainder of other sectors, financial enterprises, insurance, public administration). 3. The total direct collection (deposit by resident customers and bonds) in November 2025 was up 2.4% on an annual basis, continuing the positive dynamic recorded from early 2024 (+2.9% in the previous month). In November 2025 the deposits, in the various forms, grew by 2.4% on an annual basis (+2.7% the previous month). The medium and long-term collection, through bonds, in November 2025 increased by 2.5% compared to one year before (+4.1% in the previous month).
In November 2025 the average rate on new housing purchases fell to 3.30% (3.31% in the previous month; 4.42% in December 2023); the average rate on new financing operations to enterprises fell to 3,44% (3,52% in the previous month; 5.45% in December 2023); the average rate on total loans (then signed over the years) was 3,96% (as in the previous month). The rate on new fixed-term deposits (i.e. deposit certificates and deposits) in November 2025 was 2.14%. In October this rate was higher than the average in the euro area (Italy 2,08%; euro area 1,88%). Compared to June 2022, (last month before ECB rates rise) when the rate was 0.29%, the increase was 185 basis points. The return of new bank bond issues at fixed rate in November 2025 was 2.42%, an increase of 111 basic points compared to June 2022 when it was 1.31%. In November 2025 the average rate on the total of deposits (certificates of deposits, savings deposits and current accounts), was 0.63% (as in the previous month; 0.32% in June 2022). The rate on current accounts, which do not have the investment function and allow to use a multitude of services, in November 2025 was 0.28% (as in the previous month; 0.02% in June 2022). The margin (spread) on new operations (difference between rates on new loans and the new collection) with non-financial families and companies in November 2025 was 198 basic points.
In October 2025 net deteriorated credits (i.e. all suffering, probable failures and expositions expired and/or unfinancing calculated net of devaluations and provisions already made by banks) amounted to 29.4 billion euros, from 30.1 billion June 2025 (31.3 billion to December 2024). Compared to their maximum level, 196.3 billion reached in 2015, some 167 billion were down. In October 2025 net deteriorated credits accounted for 1.41% of total credits. This ratio was lower than June 2025 (1,46%; 1,51% to December 2024; 9.8% to December 2015).
– Photo IPA Agency –
(ITALPRESS).
