Credit, loans to households still down. Suffering for the record … – Il Sole 24 Ore

Credit, loans to households still down. Suffering for the record … – Il Sole 24 Ore

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This article was published on 16 September 2014 at 15:12.
The last change is the 16 September 2014 at 16:28.

bank lending to businesses and households Italian in August showed a further decline, the twenty-eighth row, with an annual decline of 1.09%. The August figure is an estimate of ABI in the monthly report that looks at the glass half full: the decline in August and ‘more’ and a slight decline so ‘content has not been seen since July 2012 The complex funding in August recorded a -2.3% per annum, while braking from July (-2.5% per year). Loans to households and businesses, however, from the pre-crisis period (end of 2007) are grown, the note Abi, from 1279 to 1418 billion.

Last month, adds to the banking association, l ‘ amount of loans granted by banks and ‘state of 1.818 billion, “significantly higher than the amount of customer deposits, 1.708 billion.” Since the end of 2007, before the start of the crisis, in today ‘loans to the economy have gone from 1673 to 1818 billion, to those families and businesses from 1279 to 1418 billion. ”

Touch the meantime a new record negative non-performing loans of Italian banks. In July performing loans totaled 172.3 billion with an annual growth rate of 23%. In relation to employment, the report monthly ABI, have reached 9%, the more ‘highest since October 1998 Before the crisis (end of 2007), the ratio was at 2.8 per cent. Even net non performing loans are rising in July: 78.2 billion euro (77miliardi in June). The ratio of loans / loans to businesses rose to 14.8% (3.6% pre-crisis).

For Italian companies rates are falling. According to the estimates of ABI, in August, the average interest rate on new loans and ‘decreased to 2.89% from 3.09% in July and is the more level’ lowest since March 2011 The monthly report of the association of building Altieri then puts in evidence a drop in the average interest rate on new housing loans to households to 3.19% from 3.23% in July. The average interest rate on total loans and ‘amounted to 3.77% (3.81% in the previous month.)

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