DATA - Deposit and lending rates<sup>1</sup>

Deposit and lending rates¹ - outstanding amounts
	2023	2024	2025	Dec. 25	Jan. 26	Feb. 26	Mar. 26	Apr. 26	May 26

	% per annum

Deposits²



of households³
overnight	0.62	1.02	0.57	0.43	0.39	0.40	0.41	0.40	0.41
of which savings deposits	1.07	1.73	0.92	0.69	0.61	0.63	0.63	0.64	0.64
with agreed maturity
up to 2 years	1.58	2.52	1.74	1.36	1.33	1.31	1.31	1.32	1.32
over 2 years	1.51	2.38	1.92	1.87	1.80	1.78	1.76	1.75	1.73



of nonfinancial corporations³
overnight	0.55	0.96	0.56	0.47	0.48	0.49	0.49	0.50	0.51
with agreed maturity
up to 2 years	2.86	3.42	2.17	1.86	1.85	1.84	1.84	1.88	1.90
over 2 years	1.99	3.12	2.22	2.07	2.07	2.07	2.08	2.12	2.16



Loans² ³



to households⁴
revolving and overdraft loans	5.94	6.58	5.73	5.49	5.45	5.48	5.68	5.58	5.69
sole proprietors	5.77	6.28	5.06	4.82	4.82	4.86	4.81	4.87	4.88
for house purchases
total	2.95	3.19	2.79	2.74	2.74	2.75	2.75	2.78	2.79
with agreed maturity
up to 1 year	4.55	5.06	4.00	3.70	3.72	3.76	3.78	3.79	3.82
over 1 year and up to 5 years	3.25	4.41	3.79	3.62	3.61	3.66	3.53	3.59	3.59
over 5 years	2.93	3.16	2.77	2.73	2.73	2.73	2.74	2.77	2.78
consumer credit and other lending
total	5.25	5.66	4.90	4.77	4.78	4.78	4.83	4.84	4.87
sole proprietors	4.53	4.87	3.94	3.78	3.78	3.78	3.78	3.82	3.83
with agreed maturity
up to 1 year	5.56	5.75	5.03	4.76	4.80	4.86	5.09	4.86	5.03
over 1 year and up to 5 years	5.56	6.19	5.43	5.28	5.30	5.30	5.32	5.36	5.37
over 5 years	5.15	5.57	4.80	4.69	4.70	4.70	4.72	4.77	4.78



to nonfinancial corporations⁴
revolving and overdraft loans	4.45	4.90	3.60	3.33	3.40	3.38	3.35	3.39	3.40
with agreed maturity
total	3.95	4.38	3.45	3.30	3.32	3.32	3.33	3.36	3.37
up to 1 year	4.13	4.42	3.22	2.95	3.03	3.03	3.00	3.01	3.02
over 1 year and up to 5 years	4.53	5.06	3.91	3.70	3.73	3.71	3.72	3.75	3.77
over 5 years	3.71	4.16	3.36	3.24	3.26	3.26	3.28	3.31	3.33

Source: OeNB.

The data prior to the reporting date 31 January 2003 is based on estimates of the OeNB/ECB.
More information to interest rates https://www.oenb.at/isawebstat/stabfrage/createReport?lang=EN&report=1.5.20
Changes in the reporting methodology may cause breaks in the time series after january 2017.
¹ Interest rates are defined as the annualized agreed rates in percent per annum. The annualized agreed rate covers all intrayear payments on deposits and loans, but no other charges that may apply.
² Deposits and loans in EUR.
³ More information to interest rates broken down by interest rate fixationhttps://www.oenb.at/isawebstat/stabfrage/createReport?lang=EN&report=1.5.20
⁴ Free-lance professionals and self-employed persons were reclassified from the sector nonfinancial corporations to the sector households (applicable from June, 2004).