In year-on-year terms, in August, the total stock of credit to companies and households decreased, as in the same month of 2018 it had been €196.43 billion.
The stock of credit refers to the overall value of accumulated credit granted by banks and is different from new credit operations, which refer to new loans granted each month.
By segments, loans for house purchases totalled €97.15 billion in August, up from €97.13 billion in July and down from €98.87 billion in August 2018.
Consumer credit and other lending were €26.78 billion in August, up from €26.61 billion in July and €26.13 billion in August last year.
In companies, credit lent in August amounted to €68.41 billion, less than the €68.53 billion of July and €72.21 billion of August 2018.
As for indicators of default, the ratio of overdue credit of households decreased by 0.1 percentage points over the previous month, to 3 percent, and the percentage of borrowers with overdue credit remained at 9.9 percent.
The ratio of corporate overdue loans, in turn, was 8.5 percent, reflecting a decrease of 0.2 percentage points, while the percentage of borrowers with overdue loans increased 0.2 percentage points to 20.9 percent.