New decline in deposit by 1.7 billion euros in February show details of BCT after the dip of 4.8 billion euros in January. At the end of February they fell to 197.3 billion euros.

In February the loans to the business They increased by € 1.4 billion while the monthly net flow of household funding was negative.

In detail the BoG announcement:

I. funding of domestic economy

The monthly net flow of total funding was negative by EUR 7 million in February 2025, against a negative net flow of EUR 1,380 million last month.

I.1 Funding of General Government

The monthly net flow of funding to the General Government, in February 2025, was negative by € 1,416 million, against a positive net flow of € 290 million last month. The annual rate of change in general government funding decreased to -0.3% from 2.6% in the previous month.

I.2 Private Sector Funding

In February 2025, the annual rate of change in total private sector funding increased to 10.5% from 10.0% last month. The monthly net flow of total funding to the private sector was positive by EUR 1,409 million, against a negative net flow of € 1,671 million last month.

I.2.1 Business Financing

The monthly net flow of funding to businesses, in February 2025, was positive by EUR 1,438 million, compared to a negative net flow of EUR 1,424 million last month, while the annual rate of change increased to 16.5% from 15.9% in the previous month. In particular, the annual rate of change in non -financial funding (MSE) increased to 16.7% from 15.9% in the previous month. The monthly net flow of their funding was positive by € 1,277 million, against a negative net flow of € 876 million last month. The annual rate of change in funding for insurance companies and other financial institutions decreased to 14.6% from 16.1% in the previous month. The monthly net flow of their funding was positive by € 161 million, against a negative net flow of € 548 million last month.

I.2.2 Funding of freelancers, farmers and individual businesses

In February 2025, the monthly net flow of funding to freelancers, farmers and individual businesses was positive by 4m euros, against a negative net flow of € 102m last month. Their annual rate of change in funding remained unchanged at 0.2% compared to the previous month.

I.2.3 Funding of private and private non -profit institutions

The monthly net flow of funding to individuals and private non -profit institutions was negative in February 2025, against a negative net flow of € 144 million last month. The annual rate of change in their funding remained unchanged at -0.5%.

Ii. Deposits of domestic economy in domestic credit institutions

The monthly net flow of all deposits was negative of € 774 million in February 2025, against a negative net flow of EUR 4,324 million in January 2025.

II.1 Deposits by the General Government

An increase of EUR 928 million in February 2025, the General Government’s deposits, compared to an increase of EUR 463 million last month, and the annual rate of change stood at 15.3% from -5.9% last month.

II.2 deposits from the private sector

Private sector deposits decreased by EUR 1,701 million in February 2025, against a decrease of EUR 4,787 million last month, while the annual rate of change decreased to 4.5% from 4.8% in the previous month.

II.2.1 Deposits by Business

In February 2025, business deposits were reduced by € 3,785 million in the past month, and the annual rate of change decreased to 9.4% from 10.0% last month. In particular, MXE deposits decreased by EUR 1,259 million, against a reduction of EUR 3,843 million last month. Deposits of insurance companies and other financial institutions decreased by EUR 46 million, compared to an increase of EUR 58 million last month.

II.2.2 deposits from households and private non -profit institutions

In February 2025, the deposits of households and private non -profit institutions were reduced by EUR 396 million, against a reduction of EUR 1,002 million last month, while the annual rate of change remained almost unchanged at 3.0% from 3.1% in the past month.