The value of resident and corporate deposits and interest rates on those deposits both decreased in January 2026

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

• Lithuanian resident (household) deposits decreased by €668,0 million, or 2.3%, over the month, and interest rates on new business of deposits declined by 0.12 percentage points;
• corporate (non-financial corporation) deposits declined by €4.8 million, or 0.04%, whereas interest rates on new business of corporate deposits went down by 0.04 percentage points;
• loans to Lithuanian residents granted by credit institutions grew by €147.8 million, or 0.8%, while interest rates on new business of loans declined by 0.03 percentage points;
• loans for consumption granted to Lithuanian residents grew by 1.8% over the month, while interest rates on new loans for consumption went up by 0.14 percentage points;
• loans to Lithuanian corporations expanded by €171.0 million, or 1.2%, and interest rates on new business of loans went up by 0.13 percentage points;

deposits of Lithuanian residents with credit institutions decreased¹ by €263.1 million, or 0.6%, over the month (their annual growth rate² was 10.2%). Household deposits contracted by €668.0 million, or 2.3%, while non-financial corporation deposits went down by €4.8 million, or 0.04% (their annual growth rates stood at 11.4% and 5.4% respectively). At the end of the month, household and non-financial corporation deposits amounted to €27.9 billion and €11.5 billion respectively. In January 2026, general government deposits expanded by €392.4 million, while financial sector³ deposits grew by €17.2 million. At the end of the month, those deposits amounted to €6.2 billion and €1.7 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 and non-financial corporations held with credit institutions decreased by €674.7 million and €123.8 million, or 3.3% and 1.3%, respectively, over the month. At the end of the month, the outstanding amounts of overnight deposits of those sectors stood at €19.8 billion and €9.6 billion respectively. Household deposits with agreed maturity held with credit institutions contracted by €0.6 million, or 0.008%, while those of non-financial corporations expanded by €122.8 million, or 7.3%. At the end of January 2026, the outstanding amounts of those deposits stood at €7.9 billion and €1.8 billion respectively;

loans granted by credit institutions to Lithuanian residents increased by €259.3 million, or 0.7%, month on month (their annual growth rate was 15.5%). Loans to Lithuanian non-financial corporations and households went up by €171.0 million and €147.8 million, or 1.2% and 0.8%, respectively over the month (their annual growth rates stood at 18.6% and 15.4% respectively). Loans to the general government grew by €2.6 million, whereas those to the financial sector declined by €62.0 million. At the end of January 2026, loans to those sectors amounted to EUR 14.5 billion, EUR 18.5 billion, EUR 447.6 million and EUR 1.7 billion respectively (see Chart 2);

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

loans for house purchase and consumption granted by credit institutions to Lithuanian households grew by €148.7 million and €31.7 million, or 1.0% and 1.8% respectively, month on month, whereas loans for other purposes declined by €32.7 million, or 2.3%. At the end of January 2026, the outstanding amounts of those loans stood at €15.3 billion, €1.8 billion and €1.4 billion respectively (see Chart 3), while their annual growth rates stood at 14.5%, 29.7% and 8.9%;

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

interest rates⁴ on new business of loans⁵ granted to households by credit institutions fell by 0.03 percentage points to 5.54%. Interest rates on loans for house purchase and other purposes decreased by 0.02 percentage points and 1.65 percentage points respectively, while those on loans for consumption rose by 0.14 percentage points. In January 2026, interest rates on those loans amounted to 3.67%, 8.04% and 8.54% respectively (see Chart 4);

Chart 4. Interest rates on new business loans for households

interest rates on new business of household deposits with agreed maturity held with credit institutions decreased by 0.12 percentage points month on month to 1.74%. Interest rates on deposits with agreed maturity of up to 1 month, from 1 to 6 months, from 6 months to 1 year, from 1 to 2 years and from 2 years onward decreased by 0.01, 0.12, 0.20, 0.10 and 0.05 percentage points respectively. Interest rates on those deposits amounted to 1.50%, 1.56%, 2.02%, 2.18% and 2.72% respectively in January 2026 (see Chart 5);

Chart 5. Interest rates on new business deposits with agreed maturity of households

interest rates on new business of loans to non-financial corporations went up by 0.13 percentage points month on month to 4.63%. Interest rates on new business of loans of up to €1 million decreased by 0.24 percentage points, while those on new business of loans of over €1 million went up by 0.19 percentage points. In January 2026, interest rates on those loans stood at 4.53% and 4.66% respectively (see Chart 6);

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

interest rates on new business of non-financial corporation deposits with agreed maturity decreased by 0.04 percentage points month on month to 1.87%. Interest rates on deposits with agreed maturity of up to 1 year and from 1 year onward decreased by 0.03 and 0.10 percentage points respectively. In January 2026, interest rates on those deposits stood at 1.87% and 1.37% respectively (see Chart 7).

Chart 7. Interest rates on new business of 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 The financial sector consists of Lithuania’s investment funds and other financial intermediaries, as well as insurance undertakings and pension funds.

⁴ Weighted interest rates on new business during the reporting month, in percentages per annum.

⁵ 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