Bank lending to households in the Eurozone rose by 0.9% year-on-year to €6.918 trillion in November 2024, accelerating from a 0.8% increase in the previous month, as expected. It was the fastest pace of credit growth since August 2023. Meanwhile, lending to companies rose by 1% to €5.162 trillion, down from a 1.2% advance in October. Overall private sector credit growth, encompassing both households and non-financial corporations, decreased to 1.5% in November from 1.7% in October. source: European Central Bank

The value of loans In the Euro Area increased 0.90 percent in November of 2024 over the same month in the previous year. Loan Growth in Euro Area averaged 3.42 percent from 2004 until 2024, reaching an all time high of 9.90 percent in March of 2006 and a record low of -0.40 percent in November of 2013. This page provides the latest reported value for - Euro Area Private Credit Growth - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news. Euro Area Household Credit Growth - data, historical chart, forecasts and calendar of releases - was last updated on January of 2025.

The value of loans In the Euro Area increased 0.90 percent in November of 2024 over the same month in the previous year. Loan Growth in Euro Area is expected to be 0.80 percent by the end of this quarter, according to Trading Economics global macro models and analysts expectations. In the long-term, the Euro Area Household Credit Growth is projected to trend around 1.80 percent in 2026, according to our econometric models.




Calendar GMT Reference Actual Previous Consensus TEForecast
2024-11-28 09:00 AM
Loans to Households YoY
Oct 0.8% 0.7% 0.8% 0.7%
2025-01-02 09:00 AM
Loans to Households YoY
Nov 0.9% 0.8% 0.9% 0.8%
2025-01-29 09:00 AM
Loans to Households YoY
Dec 0.9% 0.6%


Related Last Previous Unit Reference
Central Bank Balance Sheet 6357247.00 6344802.00 EUR Million Dec 2024
Deposit Facility Rate 3.00 3.25 percent Dec 2024
Foreign Exchange Reserves 97.67 96.82 USD Billion Nov 2024
ECB Interest Rate 3.15 3.40 percent Dec 2024
Marginal Lending Rate 3.40 3.65 percent Dec 2024
Loans to Households YoY 0.90 0.80 percent Nov 2024
Loans to Non-financial Corporations 5162380.00 5159611.00 EUR Million Nov 2024
Longer-Term Refinancing Operations 40.73 49.16 EUR Billion Dec 2024
Money Supply M1 10547639.00 10437687.00 EUR Million Nov 2024
Money Supply M2 15540007.00 15421337.00 EUR Million Nov 2024
Money Supply M3 16681871.00 16575480.00 EUR Million Nov 2024
Refinancing Operations 9101.00 7.79 EUR Billion Dec 2024

Euro Area Household Credit Growth
In the Euro Area, loan growth refers to year over year change in loans to households adjusted for sales and securitisation.
Actual Previous Highest Lowest Dates Unit Frequency
0.90 0.80 9.90 -0.40 2004 - 2024 percent Monthly
Current Prices, SA


News Stream
Eurozone Household Credit Growth Picks Up in November
Bank lending to households in the Eurozone rose by 0.9% year-on-year to €6.918 trillion in November 2024, accelerating from a 0.8% increase in the previous month, as expected. It was the fastest pace of credit growth since August 2023. Meanwhile, lending to companies rose by 1% to €5.162 trillion, down from a 1.2% advance in October. Overall private sector credit growth, encompassing both households and non-financial corporations, decreased to 1.5% in November from 1.7% in October.
2025-01-02
Eurozone Household Credit Growth Hits 13-Month High
Bank lending to households in the Eurozone rose by 0.8% year-on-year to €6.907 trillion in October 2024, accelerating from a 0.7% increase in the previous month, as expected. It was the fastest pace of credit growth since September 2023. Meanwhile, lending to companies rose by 1.2% to €5.159 trillion, up from a 1.1% advance in September. Overall private sector credit growth, encompassing both households and non-financial corporations, stood at 1.6% in October, unchanged from the previous month.
2024-11-28
Eurozone Lending Growth Below Expectations
Bank lending to households in the Eurozone rose by 0.7% year-on-year to €6.900 trillion in September 2024, accelerating from a 0.6% increase in the previous month but below market expectations of 0.8. It was the fastest pace of credit growth since October 2023. Meanwhile, lending to companies rose by 1.1% to €5.160 trillion, up from a 0.8% advance in August. Overall private sector credit growth, encompassing both households and non-financial corporations, picked up to 1.6% from 1.5%.
2024-10-25