🏦 Lithuania Keeps Above-Average Deposit Rates but Among Highest Loan Costs in Euro Area
According to the Bank of Lithuania, household deposit rates in September 2025 remained above the euro area average, while corporate loan rates stayed among the highest in the region.
The average rate on household term deposits rose to 1.93% (EA avg 1.78%), keeping Lithuania 8–10th in the euro area ranking. Rates on corporate deposits edged down to 1.79%, below the EA average of 1.91%.
Meanwhile, housing loans averaged 3.66% vs. 3.32% in the euro area, and business loan rates reached 4.48%, standing 110 basis points above the euro area average (3.38%).
Context:
Lithuania’s persistently high borrowing costs reflect tighter credit conditions and banks’ risk premiums in a small, highly concentrated market. Deposit rates remain competitive as lenders vie for household savings, but corporate borrowing stays expensive compared to euro area peers.
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