In September 2026, the volume of loans for consumption and house purchase granted to Lithuanian residents increased

Today, Lietuvos bankas published the balance sheet and interest rate data of the monetary financial institutions (MFI) for September 2026, which show that:

• Lithuanian resident (household) deposits increased by €41.7 million, or 0.1%, over the month, while interest rates on new deposits went down by 0.08 p.p.;
• corporate (non-financial corporation) deposits decreased by €36.6 million, or 0.3%, over the month, and interest rates on new corporate deposits went up by 0.03 p.p.;
• loans to Lithuanian residents granted by credit institutions grew by €273.4 million, or 1.4%, while interest rates on new loans went up by 0.02 p.p.;
• loans for consumption granted to Lithuanian residents grew by 1.8%, over the month, while interest rates on new loans for consumption went down by 0.20 p. p.;
• loans to Lithuanian corporations expanded by €146.1 million, or 0.9%, whereas interest rates on new loans increased by 0.16 p.p.;

deposits of Lithuanian residents with credit institutions declined¹ by €139.8 million, or 0.3%, over the month (their annual growth rate² was 11.7%). Household deposits expanded by €41.7 million, or 0.1%, while non-financial corporation deposits went down by €36.6 million, or 0.3% (their annual growth rates stood at 15.2% and 8.9% respectively). At the end of the month, household and non-financial corporation deposits amounted to €30.7 billion and €11.7 billion respectively. In September 2026, general government deposits declined by €165.6 million, while financial sector deposits increased by €20.8 million. At the end of the month, these deposits amounted to €6.4 billion and €1.3 billion respectively (see Chart 1);

Chart 1. Deposits of Lithuanian residents, excluding MFIs, with other MFIs (outstanding amounts, end-of-period)

overnight deposits of Lithuanian households held with credit institutions decreased by €23.4 million, or 0.1%, month on month, while those of non-financial corporations increased by €12.3 million, or 0.1%. At the end of the month, the outstanding amounts of overnight deposits of these sectors stood at €22.3 billion and €9.7 billion respectively. Household deposits with agreed maturity held with credit institutions grew by €64.9 million, or 0.8%, over the month, while those of non-financial corporations declined by €41.9 million, or 2.2%. At the end of September 2026, the outstanding amounts of these deposits stood at €8.1 billion and €1.8 billion respectively;

loans granted by credit institutions to Lithuanian residents increased by €418.6 million, or 1.1%, month on month (their annual growth rate was 12.2%). Loans to Lithuanian households and non-financial corporations increased by €273.4 million and €146.1 million respectively, or 1.4% and 0.9% (their annual growth rates stood at 14.0% and 15.0% respectively). Loans to the general government sector grew by €21.3 million, whereas those to the financial sector declined by €22.2 million. At the end of September 2026, loans to these sectors amounted to €20.4 billion, €16.0 billion, €491.6 million and €1.1 billion respectively (see Chart 2);

Chart 2. Loans granted by other MFIs to Lithuanian residents, excluding MFIs (outstanding amounts, end-of-period)

loans to Lithuanian households for house purchase, consumption and other purposes granted by credit institutions rose by €229.5 million, €38.6 million and €5.2 million or 1.4%, 1.8% and 0.4% respectively over the month. At the end of September 2026, the outstanding amounts of those loans stood at €16.7 billion, €2.2 billion and €1.4 billion respectively (see Chart 3), while annual growth rates stood at 14.4%, 19.8% and 1.5%;

Chart 3. Loans granted by other MFIs to Lithuanian households (outstanding amounts, end-of-period)

interest rates³ on new loans⁴ granted to households by credit institutions went up by 0.02 p.p. to 6.07%. Interest rates on loans for house purchase rose by 0.17 p.p., while those on loans for consumption and other purposes fell by 0.20 and 0.19 p.p. respectively. In September 2026, interest rates on these loans comprised 4.33%, 8.30 and 6.73% respectively (see Chart 4);

Chart 4. Interest rates on new loans for households

interest rates on new household deposits with agreed maturity held with credit institutions decreased by 0.08 p.p. month on month to 2.49%. Interest rates on deposits with agreed maturity of up to 1 month fell by 1.20 p.p., while interest rates on deposits from 1 to 6 months, from 6 months to 1 year, from 1 to 2 years and from 2 years onwards went up by 0.04, 0.23, 0.09 and 0.05 p.p. respectively. Interest rates on these deposits comprised 1.63%, 1.84%, 3.05%, 3.60% and 3.36% respectively in September 2026 (see Chart 5);

Chart 5. Interest rates on new household deposits with agreed maturity

interest rates on new loans to non-financial corporations went up by 0.16 p.p. month on month to 5.18%. Interest rates on new loans of up to €1 million and over €1 million increased by 0.26 p. p. and 0.14 p. p. respectively. In September 2026, interest rates on those loans stood at 5.12% and 5.19% respectively (see Chart 6);

Chart 6. Interest rates on new loans to non-financial corporations

interest rates on new non-financial corporation deposits with agreed maturity rose by 0.03 p.p. month on month to 2.16%. Interest rates on deposits with agreed maturity of up to 1 year increased by 0.02 p.p. and those with agreed maturity from 1 year decreased by 0.35 p.p. In September 2026, interest rates on these deposits stood at 2.14% and 2.80% respectively (see Chart 7).

Chart 7. Interest rates on new non-financial corporation deposits with agreed maturity

Detailed data on MFI assets and liabilities is available on Lietuvos bankas’ website under MFI balance sheet and monetary statistics.

Detailed data on MFI interest rates is available on Lietuvos bankas’ website under MFI interest rate statistics.

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¹ Unless otherwise specified, monthly changes in euro are presented as transactions, i.e. calculated by taking the difference between end-of-month outstanding amounts and removing the effects of revaluation adjustments, exchange rate adjustments, loan write-offs and reclassifications.

² The annual growth rate is calculated as a percentage change in the base index of transaction-adjusted outstanding amounts over the year.

³ Weighted interest rates on new business during the reporting month, in percentages per annum.

⁴ Interest rates on new loans and deposits are interest rates on new business. 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.

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Statistics, Monetary and financial statistics