ROMA (ITALPRESS) – In August 2026, the total of loans to enterprises and families grew by 3.4% on an annual basis, accelerating with respect to the change recorded the previous month (+3.3%), continuing the growth path of loans started in March 2025. For families is the 20th consecutive month of increase and for enterprises is the fourteenth consecutive month of growth of loans. In fact, loans to enterprises increased by 4.1% in July 2026, while loans to households by 2.6%. This is what emerges from the Mensile Report of the Abi.
The total direct collection (deposit from resident customers and bonds) in August 2026 was up by 2.3% on a yearly basis, continuing the positive dynamic recorded from early 2024 (+2.8% in the previous month). In August 2026 the deposits, in the various forms, grew by 1.8% on an annual basis (+2.4% the previous month). The medium and long-term collection, through bonds, in August 2026 increased by 6.0% compared to one year before (+5.7% in the previous month). Indirect collection, i.e. investment in securities held by banks, has increased by 45 billion between July 2025 and July 2026. In August 2026 the average rate on the total of loans (then subscribed over the years) was 4.19% (+0.02% compared to the previous month); the average rate on new housing purchases increased to 3.56% (+0.16% compared to the previous month; it was 4.42% to December 2023); the average rate on new business financing operations fell to 3.66% (-0.13% compared to the previous month).
The average rate on new fixed-term deposits (i.e. deposit certificates and bonded deposits) in August 2026 increased to 2.40%, (2.39% in the previous month) and higher than the average euro area at 2.22% in July. Compared to June 2022, when the rate was 0.29%, the increase was 210 basic points. The return of new bank bond issues at fixed rate in August 2026 was 1.73%. In August 2026, the average rate on total deposits (certificates of deposits, savings deposits and current accounts), was 0.69% (as in July 2026; 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 August 2026 was 0.32% (unchanged in July 2026 and more than 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 August 2026 was 211 basic points.
In July 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 28 billion euros, from 28.6 billion March 2026 (29.1 billion to December 2025). Compared to their maximum level, 196.3 billion reached in 2015, there were over 168 billion. In July 2026 net deteriorated credits accounted for 1.30% of total credits. This ratio was lower than March 2026 (1,35%; 1.39% to December 2025; 9.8% to December 2015).
– Photo Ipa Agency –
(ITALPRESS).
