ROMA (ITALPRESS) – In May 2026, the amount of loans to enterprises and families grew by 3.0% on a yearly basis, accelerating compared to the previous month’s change (+2.9%), continuing the growth of loans started in March 2025. For families it is the seventeenth consecutive month of increase and for enterprises it is the eleventh consecutive month of growth of loans. In fact, loans to households increased by 2.6% in April 2026, while loans to enterprises by 3.1%. It is read in the monthly ABI report. The indirect collection, i.e. investment in securities held at banks, has increased by 100,4 billion between April 2025 and April 2026 (39,5 billion households, 15,9 billion enterprises and the remainder of other sectors, financial enterprises, insurance, public administration). The total direct collection (deposit from resident customers and bonds) in May 2026 was up by 2.6% on a yearly basis, continuing the positive dynamic recorded from early 2024 (+3.1% in the previous month. In May 2026 the deposits, in the various forms, grew by 2.3% on an annual basis (+2.9% the previous month). The medium and long-term collection, through bonds, in May 2026 has increased by 5.0% compared to one year before (+4.2% in the previous month).
In May 2026 the average rate on the total of loans (therefore subscribed in the years) was 4,04% (unchanged from the previous month); the average rate on new financing operations to enterprises fell to 3.51% (3,56% in the previous month; 5,45% in December 2023); the average rate on new housing purchase operations was 3,49% (+2 cents compared to the previous month; 4,42% in December 2023.
The rate on new fixed-term deposits (i.e. deposit certificates and deposits) in May 2026 was 2.22% higher than the previous month (2.19%) and the average euro area that stood at 1.97% in April. Compared to June 2022, when the rate was 0.29%, the increase was 193 basic points. The return of new bank bond issues at a fixed rate in May 2026 was 3.51%. In May 2026 the average rate on the total deposits (certificates of deposits, savings deposits and current accounts), was 0.65% (unchanged from April 2026 and above 0.32% of June 2022). The rate on current accounts, which do not have the investment function and allow to use a multitude of services, in May 2026 was 0.28% (unchanged from April 2026 and more than 0.02% of June 2022).
The margin (spread) on new operations (difference between rates on new loans and the new collection) with households and non-financial companies in May 2026 was 184 basic points. In April 2026 net deteriorated credits (i.e. all sufferings, probable defaults and expired and/or unfinancing exposures calculated net of devaluations and provisions already made by banks) amounted to €25.9 billion, from December 27.7 billion 2025 (31.3 billion to December 2024). Compared to their maximum level, 196.3 billion reached in 2015, there were over 170 billion. In April 2026 net deteriorated credits accounted for 1,24% of total credits. This ratio was lower than December 2025 (1.32%; 1,51% to December 2024; 9.8% to December 2015).
– photo IPA Agency –
(ITALPRESS).
