In September 2025, interest rates on deposits from households in Lithuania remained above the euro area average, while interest rates on loans to companies continued to be among the highest in the euro area

Please note that interest rates on new business¹ of loans of credit institutions operating in Lithuania and deposits as well as volumes thereof cover loans granted to euro area residents and their deposits.

Interest rates² on loans and new business of deposits with agreed maturity of euro area credit institutions to euro area residents published by the ECB show that:

• in September 2025, the interest rate offered to households (residents) on deposits with an agreed maturity in Lithuania remained close to the euro area average;
• interest rates on household deposits with an agreed maturity with credit institutions operating in Lithuania increased by 0.05 percentage points to 1.93% and their euro area average declined by 0.03 percentage points in three months³ to 1.78%. During this period, Lithuania shared the eighth-tenth position in the ranking with Slovakia and Ireland (see Chart 1);

Chart 1. Interest rates on and volumes of new business of household deposits with agreed maturity

• both interest rates on non-financial corporation deposits with an agreed maturity with credit institutions operating in Lithuania and their euro area average declined by 0.05 percentage points and 0.03 percentage points respectively in three months, to 1.79% and 1.91% respectively. Lithuania fell from the eighth position to the eleventh position in terms of interest rates, remaining below the euro area average (see Chart 2);

Chart 2. Interest rates on and volumes of new business of non-financial corporation deposits with agreed maturity

• interest rates on housing loans granted by credit institutions operating in Lithuania to households declined by 0.1 percentage points in the past three months and amounted to 3.66%. The euro area average of these interest rates increased by 0.03 percentage points to 3,32%. Accordingly, Lithuania moved in the ranking from the third to the fourth position (see Chart 3);

Chart 3. Interest rates on and volumes of new business of household loans for house purchase

• interest rates on loans for consumption granted by credit institutions operating in Lithuania to households increased by 0.19 percentage points in the past three months and amounted to 8.53%, while the euro area average decreased by 0.01 percentage points to 7.4%. Lithuania remained in the seventh position during this period (see Chart 4);

Chart 4. Interest rates on and volumes of new business of household loans for consumption

• in the past three months, interest rates on loans to households for other purposes granted by credit institutions operating in Lithuania and the euro area average of these interests rates increased by 0.14 percentage points and 0.09 percentage points respectively to 6.04% and 4.11% respectively. Lithuania remained in the second position among euro area countries in terms of interest rates (see Chart 5);

Chart 5. Interest rates on and volumes of new business of household loans for other purposes

• in three months, both interest rates on loans granted by credit institutions operating in Lithuania to non-financial corporations (companies) and the average interest rates on these loans in the euro area decreased by 0.05 percentage points and 0.1 percentage points respectively, to 4.48% and 3.38% respectively. In Lithuania, however, these rates remain among the highest in euro area countries, i.e. 110 basis points above the euro area average (see Chart 6).

Chart 6. Interest rates on and volumes of new business of loans to non-financial corporations

¹ Weighted interest rates on new business during the reporting month, in percentages per annum.

² New business covers financial contracts that specify for the first time the interest rate on a loan or the deposit rate, and contracts for existing loans or deposits, which were renegotiated. New business does not cover revolving loans and overdrafts, as well as credit card debt. New business deposits do not cover automatic renegotiations of existing deposit contracts.

³ Comparison of data of June and September 2025.

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Statistics, Monetary and financial statistics