ROMA (ITALPRESS) – Indirect collection, i.e. investment in securities held by banks, has increased by 106.2 billion between December 2024 and December 2025 (38.6 billion households, 17,9 billion companies and the remainder of other sectors, financial enterprises, insurance, public administration). The total direct collection (deposit from resident customers and bonds) in January 2026 was up 3.4% on a yearly basis, continuing the positive dynamic recorded from early 2024 (+2.2% in the previous month). In January 2026 the deposits, in the various forms, grew by 3.7% on an annual basis (+2.3% the previous month). The medium and long-term collection, through bonds, increased by 1.3% in January 2026 compared to one year before (+1.0% in the previous month). It is the photograph that emerges from the data of the monthly ABI report of February.
In January 2026 the average rate on total banking loans (subscribed over the years) was 3,97% (3,96% in the previous month); the average rate on new financing operations to enterprises fell to 3,49% (3,58% in the previous month; 5.45% in December 2023); the average rate on new housing purchase operations was 3.47% (3.38% in the previous month; 4,42% in December 2023). The rate on new fixed-term deposits (i.e. deposit certificates and deposits) in January 2026 was 2.13%. In December 2025 this rate was 2.12% higher than the euro area (1.91%). Compared to June 2022, (last month before ECB rates rise) when the rate was 0.29%, the increase was 184 basis points. The return of new bank bond issues at fixed rate in January 2026 was 3.17%. In January 2026, the average rate on total deposits (certificates of deposits, savings deposits and current accounts), was 0.61% (0.62% in December 2025 and 0.32% in June 2022). The current account rate in January 2026 was 0.27% (0.29% in December 2025 and 0.02% in June 2022). The margin (spread) on new operations (difference between rates on new loans and the new collection) with non-financial families and companies in January 2026 was 185 basic points.
Loans growing for the eleventh consecutive month and banking collection that continues to strengthen. In January, the amount of loans to enterprises and households increased by 1.9% on an annual basis, confirming a positive trend that has continued almost a year. For families the increase in loans has lasted for thirteen months, while for enterprises it is the seventh consecutive month.
In December 2025 net deteriorated credits (i.e. all sufferings, probable defaults and expired and/or treasury exposures, calculated net of devaluations and provisions already made by banks) amounted to 28.3 billion euros, from 30 billion September 2025 (31.3 billion to December 2024). Compared to their maximum level, 196.3 billion reached in 2015, a decline of 168 billion was achieved. Also last December, net deteriorated credits accounted for 1,34% of total credits. This ratio was lower than September 2025 (1,43% – 1,51% to December 2024 – 9.8% to December 2015).
– photo IPA Agency –
(ITALPRESS).
