The “gap” of interest rates of deposits and loans in June has further decreased as evidenced by the Bank of Greece data.

Specifically, in June 2025, the average weighted interest rate of all new deposits remained almost unchanged at 0.34%.

In particular, the average interest rate on one -day deposits from households remained unchanged at 0.03%, while the corresponding deposit rate from businesses remained almost unchanged at 0.13%.

The average interest rate on deposits up to 1 year of households decreased by 7 basis points to 1.20%, while the corresponding deposit rate reduced by 12 basis points to 1.72%.

At the same time, the average weighted interest rate of all new loans to households and businesses decreased by 5 basis points and stood at 4.61%.

In particular, the average interest rate on consumer loans without a specified duration (category including credit card loans, open loans and over -running accounts) increased by 7 basis points and stood at 14.68%.

The average interest rate on consumer loans with a specific duration and a floating rate decreased by 45 basis points and stood at 10.79%, while the average interest rate on a floating rate decreased by 5 basis points and stood at 3.52%.

The average interest rate on business loans without a specified duration decreased by 15 basis points and was 4.70%. The corresponding interest rate on business loans decreased by 9 basis points and stood at 6.83%.

The average interest rate on new business loans with a specific duration and a floating rate remained unchanged at 3.95%. The average interest rate on the expiry loans at a floating rate to small and medium -sized enterprises (SMEs) decreased by 5 basis points and stood at 4.15%.

Interest rates on existing deposits and loans in euro

A similar picture is observed in interest rates on the existing deposits and loans.

The average weighted interest rate of all existing deposits (including one day’s deposits) remained almost unchanged at 0.36% compared to the previous month.

In particular, the average interest rate on existing household deposits with agreed duration up to 2 years decreased by 6 basis points and was 1.39%, while the corresponding deposit rate was reduced by 13 basis points and was 1.78%.
Existing loans

The average weighted interest rate on existing loans decreased by 17 basis points and stood at 4.78%.

In particular, the average interest rate on the existing housing loans over 5 years decreased by 10 basis points and stood at 3.66%. The corresponding interest rate on consumer and other loans to individuals and private non -profit institutions decreased by 4 basis points and stood at 8.14%.

The average interest rate on business loans over 5 years decreased by 25 basis points and stood at 4.34%. The corresponding interest rate on business loans decreased by 12 basis points and stood at 5.69%.