The ABI’s monthly report shows that the combined loan portfolio for families and firms increased by 3.4% compared with August 2025, a slight acceleration over the 3.3% gain recorded in July.
The upward trajectory, which began in March 2025, has brought the overall loan stock back to the level recorded in October 2022, indicating a sustained expansion of credit in the Italian economy.
For households, August marks the twentieth consecutive month of loan growth, while for businesses it is the fourteenth month in a row, underscoring persistent demand for financing across both sectors.
The average interest rate on the total loan book stood at 4.19%, up 0.02 percentage points from the previous month. New mortgage loans saw their average rate rise to 3.56%, an increase of 0.16 points, whereas rates on fresh business financing fell to 3.66%, down 0.13 points.
The ABI report does not provide analysis of the drivers behind these movements, but the data suggest that credit conditions remain broadly supportive for both consumers seeking home purchases and firms pursuing investment.