Lending rates fell in June, while deposit rates remained stable, resulting in a narrowing of the interest rate margin.
According to the Bank of Greece (BoG) , in June 2025, the weighted average interest rate on new deposits remained almost unchanged at 0.34%, while the corresponding rate on new loans decreased to 4.61%. The interest rate spread between new deposits and loans decreased to 4.27 percentage points. In June 2025, the weighted average interest rate on outstanding amounts of deposits remained almost unchanged at 0.36%, while the corresponding rate on loans decreased to 4.78%.  The interest rate spread between outstanding amounts of deposits and loans decreased to 4.42 percentage points.
New Deposits
In June 2025, the weighted average interest rate on new deposits remained almost unchanged at 0.34% compared with the previous month.
In particular, the average interest rate on overnight deposits placed by households remained unchanged at 0.03%, while the corresponding rate on deposits placed by non-financial corporations remained almost unchanged at 0.13%.
The average interest rate on deposits from households with an agreed maturity of up to 1 year decreased by 7 basis points to 1.20%, while the corresponding rate on deposits from non-financial corporations decreased by 12 basis points to 1.72%.

New Loans   
The weighted average interest rate on new loans to households and non-financial corporations decreased by 5 basis points to 4.61%.
More specifically, the average interest rate on consumer loans without a defined maturity (a category that comprises credit cards, revolving loans and overdrafts) increased by 7 basis points to 14.68%.
The average interest rate on consumer loans with a defined maturity at a floating rate decreased by 45 basis points to 10.79%, while the average interest rate on housing loans at a floating rate decreased by 5 basis points to 3.52%.
The average interest rate on corporate loans without a defined maturity decreased by 15 basis points to 4.70%. The corresponding rate on loans to sole proprietors decreased by 9 basis points to 6.83%.
The average interest rate on new corporate loans with a defined maturity at a floating rate remained unchanged at 3.95%. The average interest rate on loans with a defined maturity at a floating rate to small and medium-sized enterprises (SMEs) decreased by 5 basis points to 4.15%. 
As regards the structure of interest rates according to the size of loans granted, the average rate on loans of up to € 250,000 decreased by 4 basis points to 4.74%, on loans of over € 250,000 and up to € 1 million it decreased by 8 basis points to 4.24%, while on loans of over € 1 million it decreased by 4 basis points to 3.85%.