The Bank of Lithuania published January 2026 balance sheet and interest rate statistics for monetary financial institutions, showing a marked monthly contraction in household deposits while lending by credit institutions to households and non-financial corporations continued to expand. Interest rates on new term deposits declined for both households and corporates, while average new household loan rates edged down and corporate borrowing rates increased. Transaction-adjusted deposits of Lithuanian residents (excluding MFIs) with credit institutions fell by EUR 263.1 million (0.6%) over the month, driven by households (down EUR 668.0 million, or 2.3%, to EUR 27.9 billion) and non-financial corporations (down EUR 4.8 million, or 0.04%, to EUR 11.5 billion), partly offset by higher general government deposits (up EUR 392.4 million to EUR 6.2 billion). Overnight deposits decreased by EUR 674.7 million for households (to EUR 19.8 billion) and by EUR 123.8 million for non-financial corporations (to EUR 9.6 billion). Transaction-adjusted loans to Lithuanian residents rose by EUR 259.3 million (0.7%), including increases of EUR 147.8 million for households and EUR 171.0 million for non-financial corporations, while household house purchase lending grew by EUR 148.7 million (to EUR 15.3 billion) and consumption lending by EUR 31.7 million (to EUR 1.8 billion). Weighted interest rates on new household loans averaged 5.54% (down 0.03 percentage points), with consumption loan rates rising to 8.54% (up 0.14 percentage points), while new business rates on corporate loans averaged 4.63% (up 0.13 percentage points); new household and corporate term-deposit rates averaged 1.74% (down 0.12 percentage points) and 1.87% (down 0.04 percentage points) respectively.
Bank of Lithuania 2026-02-26
Bank of Lithuania publishes January 2026 MFI statistics showing EUR 668 million fall in household deposits and continued loan growth
The Bank of Lithuania's January 2026 data shows a significant monthly decline in household deposits, while lending to households and non-financial corporations increased. Interest rates on new term deposits decreased for both households and corporates, with household loan rates slightly down and corporate borrowing rates rising. Transaction-adjusted deposits fell by EUR 263.1 million, driven by household and corporate declines, while loans rose by EUR 259.3 million, with notable increases in house purchase and consumption lending.