Bank of Lithuania publishes July 2025 MFI statistics showing a EUR 513.9 million rise in resident deposits and household loan rates at 5.14%

The Bank of Lithuania released July 2025 balance sheet and interest rate data for monetary financial institutions, indicating further growth in deposits held with credit institutions and increased lending to Lithuanian residents, alongside higher average interest rates on new household borrowing. Transaction-adjusted deposits of Lithuanian residents with credit institutions increased by EUR 513.9 million (1.2%) over the month, with an annual growth rate of 11.7%. Household deposits rose by EUR 160.1 million to EUR 26.4 billion and non-financial corporation deposits by EUR 108.8 million to EUR 10.6 billion, while overnight household deposits increased to EUR 18.4 billion. Loans granted by credit institutions to Lithuanian residents grew by EUR 248.1 million (0.8%) month on month and 13.9% year on year, driven by household lending (+EUR 264.1 million to EUR 17.3 billion) and a smaller rise in loans to non-financial corporations (+EUR 18.9 million to EUR 13.3 billion). Household borrowing for house purchase increased by EUR 180.5 million to EUR 14.2 billion, consumption loans by EUR 46.3 million to EUR 1.7 billion, and other loans by EUR 37.4 million to EUR 1.4 billion. The weighted interest rate on new household loans rose by 0.13 percentage points to 5.14%, with house purchase loans at 3.71% and consumption loans at 8.38%, while the rate on new household deposits with agreed maturity increased by 0.04 percentage points to 1.91%. For non-financial corporations, the average rate on new loans rose to 4.55%, while the rate on new deposits with agreed maturity fell by 0.06 percentage points to 1.89%.