ROMA (ITALPRESS) – In April, according to the data of the monthly ratio of the Abi, the amount of loans to enterprises and families grew by 2.7% on an annual basis, confirming the change recorded the previous month, continuing the path of growth of the loans started in March 2025. For families it is the 16th consecutive month of increase and for enterprises it is the tenth consecutive month of growth of loans.
In fact, loans to households increased by 2.7% in March last year, while loans to businesses by 2.8%. In April the average rate on the total of loans (then signed over the years) was 4,02% (+3 cents compared to the previous month); the average rate on new financing operations to enterprises was 3.62% (+24 cents compared to the previous month; 5,45% in December 2023); the average rate on new operations for housing purchase was 3,43% (+6 cents compared to the previous month; 4,42% in December 2023).
AD APRILE RACCOLTA E DEPOSITI IN CRESCITA
La raccolta indiretta, cioè gli investimenti in titoli custoditi presso le banche, ha presentato un incremento di 98,8 miliardi tra marzo 2025 e marzo 2026 (42,8 miliardi famiglie, 16,5 miliardi imprese e il restante agli altri settori, imprese finanziarie, assicurazioni, pubblica amministrazione). La raccolta diretta complessiva (depositi da clientela residente e obbligazioni) ad aprile è risultata in aumento del 2,9% su base annua, proseguendo la dinamica positiva registrata da inizio 2024 (+2,6% nel mese precedente). Ad aprile i depositi, nelle varie forme, sono cresciuti del 2,7% su base annua (+2,5% il mese precedente). La raccolta a medio e lungo termine, tramite obbligazioni, ad aprile 2026 è aumentata del 4,1% rispetto ad un anno prima (+3,5% nel mese precedente). Il tasso praticato sui nuovi depositi a durata prestabilita (cioè certificati di deposito e depositi vincolati) ad aprile era il 2,16% superiore al mese precedente (2,13%) e a quello medio dell’area dell’euro che si attestava all’1,92% a marzo.
The indirect collection, i.e. investment in securities held at banks, increased by 98.8 billion between March 2025 and March 2026 (42.8 billion households, 16.5 billion enterprises and the remainder of other sectors, financial enterprises, insurance, public administration). The total direct collection (deposit from resident customers and bonds) in April was up 2.9% on an annual basis, continuing the positive dynamic recorded from early 2024 (+2.6% in the previous month). In April, deposits grew by 2.7% on an annual basis (+2.5% in the previous month). The medium and long-term collection, through bonds, in April 2026 increased by 4.1% compared to one year before (+3.5% in the previous month). The rate on new fixed-term deposits (i.e. deposit certificates and deposits) in April was 2.16% higher than the previous month (2.13%) and the average euro area at 1.92% in March.
A MARZO CREDITI DETERIORATI NETTI IN CALO A 26,9 MLD
In March, according to the data of the monthly ratio of the Abi, 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 26.9 billion, from 27.7 billion December 2025 (31.3 billion to December 2024). Compared to their maximum level, 196.3 billion reached in 2015, there were over 169 billion. 13. In March 2026 net deteriorated credits accounted for 1,28% 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).
