How to read it
A positive gap means private loans grow faster than private deposits. A negative gap means deposits grow faster.
Benchmark · monthly · pp
Bank lending–deposit growth gap
Is bank lending growing faster than deposits?
Bank lending–deposit growth gap tracks private-loan growth minus private-deposit growth. It uses monthly data.
Bank lending–deposit growth gap tracks private-loan growth minus private-deposit growth. It uses monthly data.
- Private loans YoY
- 3.5%
- Private deposits YoY
- 5.1%
- Lending–deposit gap
- −1.5 pp
- Three-month gap change
- +1.3 pp
- from −2.8 pp
- Historical percentile
- 68th
- of 258 readings · since 2004-01-31
Bank lending–deposit growth gap
Private loans YoY
Private deposits YoY
| Series | First | Latest | Min | Max |
|---|---|---|---|---|
| Private loans YoY | 4.59 | 3.54 | -2.81 | 10.87 |
| Private deposits YoY | 8.54 | 5.07 | -11.11 | 18.07 |
How this is calculated
Private-loan growth minus private-deposit growthPIER20 calculates this benchmark from official observations from the European Central Bank (ECB). The formula is private-loan growth minus private-deposit growth. The source table lists each selector and source link.
The latest data is from June 2026. The Private loans YoY reading is 3.54%. The Private deposits YoY reading is 5.07%. The Lending–deposit gap reading is -1.53 pp. The Private loans YoY line is up 1.5 pp over the past year. It is above its long-run median of 2.08%.
How to read it
How this benchmark is used
Why traders watch it
Traders use this benchmark to assess whether loan growth exceeds deposit growth.
Frequently asked questions
4 answersWhat is the latest reading for Bank lending–deposit growth gap?
The latest data is from June 2026. The Private loans YoY reading is 3.54%. The Private deposits YoY reading is 5.07%. The Lending–deposit gap reading is -1.53 pp. The Private loans YoY line is up 1.5 pp over the past year. It is above its long-run median of 2.08%.
How often does this benchmark update?
The source publishes monthly data. PIER20 updates the page after each new observation. The chart shows the data date and fetch date.
What data sources does this chart use?
The European Central Bank Data Portal publishes the data. The methodology section lists each source series.
Where does the data come from?
The European Central Bank (ECB) publishes the source data. The source table lists each series and its exact link.