40
BANCO DE PORTUGAL • Boletim Estatístico
A.10
Banking(1) interest rates - Loans and deposits(2)
Source: Banco de Portugal and European Central Bank (with calculations by Banco de Portugal)
Euro Area(3)
Portugal
Dec-14
Mar-15
Dec-15
Feb-16
Mar-16
Dec-14
Mar-15
Dec-15
Feb-16
Mar-16
(annualised agreed rates - aar - in percentage)
1
2
3
4
5
6
7
8
9
10
Non-financial corporations……………………………………………..…….……………………….……………………….…………………………….
4.09
4.07
2.98
3.45
Loans
1
2
Transactions up to and including 1 million euros ………………………………..……………………….
4.68
4.49
3.64
3
Transactions over 1 million euros ……………………………………………….……………………….…………………………….
3.48
3.51
2.40
3.10
2.15
2.05
1.85
1.76
1.79
3.70
3.55
3.08
2.91
2.60
2.64
2.56
3.08
2.44
1.86
1.74
1.59
1.40
1.46
Households:
4
Housing…………………………………………………………………………….…………………...…………………………………………………………
3.00
2.73
2.16
2.06
2.05
2.55
2.30
2.28
2.22
2.12
5
Consumption……………………………………………………………………………………………………………….…..…………………………….
8.61
8.44
7.70
7.66
7.59
6.00
6.03
5.74
5.97
5.87
6
Other purposes………………………………..………………………………………………………...……..………………………………………….
4.45
4.83
4.32
4.69
4.71
2.67
2.70
2.47
2.52
2.48
Deposits
7
Non-financial corporations: with agreed maturity, up to 1 year …………...….……………………….……………………….
0.68
0.48
0.39
0.18
0.18
0.42
0.30
0.21
0.23
0.13
8
Households: with agreed maturity, up to 1 year…………………………….……………………….……………………….
1.26
0.92
0.53
0.49
0.47
0.97
0.90
0.65
0.61
0.61
6
6
5
5
in percentage
7
4
3
4
3
2
2
1
1
5
Jun/12
Sep/13
Dec/14
0
Mar/11
Mar/16
Portugal (<1 MEUR)
Portugal (>1 MEUR)
Euro Area (<1 MEUR)
Euro Area (>1 MEUR)
Deposits of non-financial corporations
with agreed maturity (up to 1 year) - aar
5
4
3
3
2
1
Jun/12
Sep/13
Dec/14
Portugal
4
0
Mar/11
Loans to households (housing) - aar
8
7
0
Mar/11
in percentage
Loans to non-financial corporations - aar
in percentage
in percentage
8
Mar/16
Euro Area
Deposits of households
with agreed maturity (up to 1 year) - aar
2
1
Jun/12
Portugal
Sep/13
Euro Area
Dec/14
Mar/16
ECB reference rate (4)
0
Mar/11
Jun/12
Portugal
Sep/13
Dec/14
Euro Area
(1) Includes the rates set by universal banks, savings banks and mutual agricultural credit banks which, along with money market funds, are the subsector of Other monetary financial institutions (OMFIs).
(2) Banking interest rates on new loans and deposits of residents in the Euro Area.
(3) Euro Area: changing composition.
(4) Fixed rate (fixed rate tenders) or marginal rate (variable rate tenders) in Eurosystem main refinancing operations (end-of-month value).
Mar/16
ECB reference rate (4)