Last observation: M: 2026-06 (N = 6626)
First observation: M: 1994-03 (N = 2)
Last data update: 28 août 2026, 16:09. Last compile: 28 août 2026, 17:24
MFI Interest Rate Statistics - MIR
Data - ECB
Info
Structure
Info
Monetary financial institutions in the euro area are legally obliged to report data to their National Central Banks, which in turn report to the ECB.
Composite interest rates - corporations, households
Code
MIR |>
filter(KEY %in% c("MIR.M.U2.B.A2I.AM.R.A.2240.EUR.N",
"MIR.M.U2.B.A2C.AM.R.A.2250.EUR.N")) |>
month_to_date() |>
ggplot() +
geom_line(aes(x = date, y = OBS_VALUE / 100, color = TITLE)) +
theme_minimal() + xlab("") + ylab("Interest Rates (%)") +
scale_x_date(breaks = seq(1960, 2100, 2) |> paste0("-01-01") |> as.Date(),
labels = date_format("%Y")) +
scale_y_continuous(breaks = 0.01*seq(-10, 50, 1),
labels = percent_format(accuracy = 1)) +
theme(legend.position = c(0.65, 0.9),
legend.title = element_blank())
France
Table - All
Code
MIR |>
filter(REF_AREA == "FR",
# A2A: Loans oth. than revolving loans and overdrafts, convenience and ext. CC debt
# A: Total
TIME_PERIOD == "2021-04") |>
month_to_date() %>%
select_if(~n_distinct(.) > 1) |>
select(-TITLE_COMPL, -TITLE, -KEY) |>
mutate(BS_COUNT_SECTOR = paste0(BS_COUNT_SECTOR)) |>
arrange(OBS_VALUE) |>
select(OBS_VALUE, Bs_count_sector, Bs_item, Amount_cat, Ir_bus_cov, Maturity_not_irate, everything()) |>
print_table_conditional()Table - MATURITY_NOT_IRATE == “A”, DATA_TYPE_MIR == “R”
Code
MIR |>
filter(REF_AREA == "FR",
# A2A: Loans oth. than revolving loans and overdrafts, convenience and ext. CC debt
# A: Total
MATURITY_NOT_IRATE == "A",
# R: Rate
DATA_TYPE_MIR == "R",
TIME_PERIOD == "2021-04") |>
month_to_date() %>%
select_if(~n_distinct(.) > 1) |>
select(-TITLE_COMPL, -TITLE, -KEY) |>
mutate(BS_COUNT_SECTOR = paste0(BS_COUNT_SECTOR)) |>
print_table_conditional()Loans oth. than revolving loans and overdrafts - A2A
Table
Code
MIR |>
filter(REF_AREA == "FR",
# A2A: Loans oth. than revolving loans and overdrafts, convenience and ext. CC debt
BS_ITEM == "A2A",
# A: Total
MATURITY_NOT_IRATE == "A",
# R: Rate
DATA_TYPE_MIR == "R",
TIME_PERIOD == "2021-04") |>
month_to_date() %>%
select_if(~n_distinct(.) > 1) |>
select(-TITLE_COMPL, -TITLE, -KEY) |>
mutate(BS_COUNT_SECTOR = paste0(BS_COUNT_SECTOR)) |>
print_table_conditional()| AMOUNT_CAT | Amount_cat | BS_COUNT_SECTOR | Bs_count_sector | IR_BUS_COV | Ir_bus_cov | OBS_VALUE |
|---|---|---|---|---|---|---|
| 0 | Up to and including EUR 1 million | 2240 | Non-Financial corporations (S.11) | N | New business | 1.31 |
| 1 | Over EUR 1 million | 2240 | Non-Financial corporations (S.11) | N | New business | 1.39 |
| 2 | Up to and including EUR 0.25 million | 2240 | Non-Financial corporations (S.11) | N | New business | 1.44 |
| 3 | Over EUR 0.25 million and up to EUR 1 million | 2240 | Non-Financial corporations (S.11) | N | New business | 1.14 |
| A | Total | 2240 | Non-Financial corporations (S.11) | N | New business | 1.36 |
| A | Total | 2240 | Non-Financial corporations (S.11) | P | Pure new loans | 1.35 |
| A | Total | 2240 | Non-Financial corporations (S.11) | R | Renegotiation | 1.42 |
| A | Total | 2250 | Households and non-profit institutions serving households (S.14 and S.15) | P | Pure new loans | 1.63 |
| A | Total | 2250 | Households and non-profit institutions serving households (S.14 and S.15) | R | Renegotiation | 1.65 |
Graph
All
Code
MIR |>
filter(REF_AREA == "FR",
# A2A: Loans oth. than revolving loans and overdrafts, convenience and ext. CC debt
BS_ITEM == "A2A",
# A: Total
MATURITY_NOT_IRATE == "A",
# R: Rate
DATA_TYPE_MIR == "R") |>
month_to_date() |>
ggplot() +
geom_line(aes(x = date, y = OBS_VALUE / 100, color = TITLE)) +
theme_minimal() + xlab("") + ylab("France Interest Rates (%)") +
scale_x_date(breaks = seq(1960, 2100, 2) |> paste0("-01-01") |> as.Date(),
labels = date_format("%Y")) +
scale_y_continuous(breaks = 0.01*seq(-10, 50, 1),
labels = percent_format(accuracy = 1)) +
theme(legend.position = c(0.65, 0.8),
legend.title = element_blank(),
legend.text = element_text(size = 8),
legend.key.size = unit(0.9, 'lines'))
IR_BUS_COV == “N”
Code
MIR |>
filter(REF_AREA == "FR",
# A2A: Loans oth. than revolving loans and overdrafts, convenience and ext. CC debt
BS_ITEM == "A2A",
IR_BUS_COV == "N",
# A: Total
MATURITY_NOT_IRATE == "A",
# R: Rate
DATA_TYPE_MIR == "R") |>
month_to_date() |>
ggplot() +
geom_line(aes(x = date, y = OBS_VALUE / 100, color = TITLE)) +
theme_minimal() + xlab("") + ylab("France Interest Rates (%)") +
scale_x_date(breaks = seq(1960, 2100, 2) |> paste0("-01-01") |> as.Date(),
labels = date_format("%Y")) +
scale_y_continuous(breaks = 0.01*seq(-10, 50, 1),
labels = percent_format(accuracy = 1),
limits = c(0.005, 0.08)) +
theme(legend.position = c(0.5, 0.9),
legend.title = element_blank(),
legend.text = element_text(size = 8),
legend.key.size = unit(0.9, 'lines'))
A2AC - Loans other than revolving loans and overdrafts, convenience and extended credit card debt with collateral and/or guarantees
A20 - Loans
Graph
Code
MIR |>
filter(REF_AREA == "FR",
# A20: Loans
BS_ITEM == "A20",
# A: Total
MATURITY_NOT_IRATE == "A",
# R: Rate
DATA_TYPE_MIR == "R") |>
month_to_date() |>
mutate(BS_COUNT_SECTOR = paste0(BS_COUNT_SECTOR)) |>
ggplot() +
geom_line(aes(x = date, y = OBS_VALUE / 100, color = Bs_count_sector)) +
theme_minimal() + xlab("") + ylab("France Interest Rates (%)") +
scale_x_date(breaks = seq(1960, 2100, 2) |> paste0("-01-01") |> as.Date(),
labels = date_format("%Y")) +
scale_y_continuous(breaks = 0.01*seq(-10, 50, 0.5),
labels = percent_format(accuracy = .1)) +
theme(legend.position = c(0.6, 0.9),
legend.title = element_blank())
Europe
Loans oth. than revolving loans and overdrafts
Table
Code
MIR |>
filter(REF_AREA == "U2",
# A2A: Loans oth. than revolving loans and overdrafts, convenience and ext. CC debt
BS_ITEM == "A2A",
# A: Total
MATURITY_NOT_IRATE == "A",
# R: Rate
DATA_TYPE_MIR == "R",
TIME_PERIOD == "2021-04") |>
month_to_date() %>%
select_if(~n_distinct(.) > 1) |>
select(-TITLE_COMPL) |>
print_table_conditional()| KEY | AMOUNT_CAT | Amount_cat | BS_COUNT_SECTOR | Bs_count_sector | IR_BUS_COV | Ir_bus_cov | OBS_VALUE | OBS_STATUS | Obs_status | TITLE |
|---|---|---|---|---|---|---|---|---|---|---|
| MIR.M.U2.B.A2A.A.R.0.2240.EUR.N | 0 | Up to and including EUR 1 million | 2240 | Non-Financial corporations (S.11) | N | New business | 1.79 | A | Normal value | Bank interest rates - loans to corporations of up to EUR 1M (new business) |
| MIR.M.U2.B.A2A.A.R.1.2240.EUR.N | 1 | Over EUR 1 million | 2240 | Non-Financial corporations (S.11) | N | New business | 1.33 | A | Normal value | Bank interest rates - loans to corporations of over EUR 1M (new business) |
| MIR.M.U2.B.A2A.A.R.2.2240.EUR.N | 2 | Up to and including EUR 0.25 million | 2240 | Non-Financial corporations (S.11) | N | New business | 2.00 | A | Normal value | Bank interest rates - loans to corporations of up to EUR 0.25M (new business) |
| MIR.M.U2.B.A2A.A.R.3.2240.EUR.N | 3 | Over EUR 0.25 million and up to EUR 1 million | 2240 | Non-Financial corporations (S.11) | N | New business | 1.48 | A | Normal value | Bank interest rates - loans to corporations of over EUR .25M & up to EUR 1M (new business) |
| MIR.M.U2.B.A2A.A.R.A.2240.EUR.N | A | Total | 2240 | Non-Financial corporations (S.11) | N | New business | 1.47 | A | Normal value | Bank interest rates - loans to corporations (new business) |
| MIR.M.U2.B.A2A.A.R.A.2240.EUR.P | A | Total | 2240 | Non-Financial corporations (S.11) | P | Pure new loans | 1.43 | A | Normal value | Bank interest rates - loans to corporations (pure new loans) |
| MIR.M.U2.B.A2A.A.R.A.2240.EUR.R | A | Total | 2240 | Non-Financial corporations (S.11) | R | Renegotiation | 1.64 | E | Estimated value | Bank interest rates - loans to corporations (renegotiations) |
| MIR.M.U2.B.A2A.A.R.A.2250.EUR.P | A | Total | 2250 | Households and non-profit institutions serving households (S.14 and S.15) | P | Pure new loans | 2.14 | A | Normal value | Bank interest rates - loans to households (pure new loans) |
Graph
All
Code
MIR |>
filter(REF_AREA == "U2",
# A2A: Loans oth. than revolving loans and overdrafts, convenience and ext. CC debt
BS_ITEM == "A2A",
# A: Total
MATURITY_NOT_IRATE == "A",
# R: Rate
DATA_TYPE_MIR == "R") |>
mutate(TITLE = gsub("Bank interest rates - loans to", "", TITLE),
TITLE = gsub("- Germany", "", TITLE)) |>
month_to_date() |>
ggplot() +
geom_line(aes(x = date, y = OBS_VALUE / 100, color = TITLE)) +
theme_minimal() + xlab("") + ylab("Euro Area Interest Rates (%)") +
scale_x_date(breaks = seq(1960, 2100, 2) |> paste0("-01-01") |> as.Date(),
labels = date_format("%Y")) +
scale_y_continuous(breaks = 0.01*seq(-10, 50, 1),
labels = percent_format(accuracy = 1)) +
theme(legend.position = c(0.65, 0.8),
legend.title = element_blank(),
legend.text = element_text(size = 8),
legend.key.size = unit(0.9, 'lines'))
2010-
Code
MIR |>
filter(REF_AREA == "U2",
# A2A: Loans oth. than revolving loans and overdrafts, convenience and ext. CC debt
BS_ITEM == "A2A",
# A: Total
MATURITY_NOT_IRATE == "A",
# R: Rate
DATA_TYPE_MIR == "R") |>
mutate(TITLE = gsub("Bank interest rates - loans to", "", TITLE),
TITLE = gsub("- Germany", "", TITLE)) |>
month_to_date() |>
filter(date >= as.Date("2010-01-01")) |>
ggplot() +
geom_line(aes(x = date, y = OBS_VALUE / 100, color = TITLE)) +
theme_minimal() + xlab("") + ylab("Germany Interest Rates (%)") +
scale_x_date(breaks = seq(1960, 2100, 1) |> paste0("-01-01") |> as.Date(),
labels = date_format("%Y")) +
scale_y_continuous(breaks = 0.01*seq(-10, 50, 1),
labels = percent_format(accuracy = 1)) +
theme(legend.position = c(0.65, 0.72),
legend.title = element_blank(),
legend.text = element_text(size = 8),
legend.key.size = unit(0.9, 'lines'))
2015-
Code
MIR |>
filter(REF_AREA == "U2",
# A2A: Loans oth. than revolving loans and overdrafts, convenience and ext. CC debt
BS_ITEM == "A2A",
# A: Total
MATURITY_NOT_IRATE == "A",
# R: Rate
DATA_TYPE_MIR == "R") |>
mutate(TITLE = gsub("Bank interest rates - loans to", "", TITLE),
TITLE = gsub("- Germany", "", TITLE)) |>
month_to_date() |>
filter(date >= as.Date("2015-01-01")) |>
ggplot() +
geom_line(aes(x = date, y = OBS_VALUE / 100, color = TITLE)) +
theme_minimal() + xlab("") + ylab("Germany Interest Rates (%)") +
scale_x_date(breaks = seq(1960, 2100, 1) |> paste0("-01-01") |> as.Date(),
labels = date_format("%Y")) +
scale_y_continuous(breaks = 0.01*seq(-10, 50, .5),
labels = percent_format(accuracy = .1)) +
theme(legend.position = c(0.65, 0.8),
legend.title = element_blank(),
legend.text = element_text(size = 8),
legend.key.size = unit(0.9, 'lines'))
Germany
Loans oth. than revolving loans and overdrafts
Table
Code
MIR |>
filter(REF_AREA == "DE",
# A2A: Loans oth. than revolving loans and overdrafts, convenience and ext. CC debt
BS_ITEM == "A2A",
# A: Total
MATURITY_NOT_IRATE == "A",
# R: Rate
DATA_TYPE_MIR == "R",
TIME_PERIOD == "2021-04") |>
month_to_date() %>%
select_if(~n_distinct(.) > 1) |>
select(-TITLE_COMPL) |>
print_table_conditional()| KEY | AMOUNT_CAT | Amount_cat | BS_COUNT_SECTOR | Bs_count_sector | IR_BUS_COV | Ir_bus_cov | OBS_VALUE | TITLE |
|---|---|---|---|---|---|---|---|---|
| MIR.M.DE.B.A2A.A.R.0.2240.EUR.N | 0 | Up to and including EUR 1 million | 2240 | Non-Financial corporations (S.11) | N | New business | 1.90 | Bank interest rates - loans to corporations of up to EUR 1M (new business) |
| MIR.M.DE.B.A2A.A.R.1.2240.EUR.N | 1 | Over EUR 1 million | 2240 | Non-Financial corporations (S.11) | N | New business | 1.41 | Bank interest rates - loans to corporations of over EUR 1M (new business) |
| MIR.M.DE.B.A2A.A.R.2.2240.EUR.N | 2 | Up to and including EUR 0.25 million | 2240 | Non-Financial corporations (S.11) | N | New business | 2.05 | Bank interest rates - loans to corporations of up to EUR 0.25M (new business) |
| MIR.M.DE.B.A2A.A.R.3.2240.EUR.N | 3 | Over EUR 0.25 million and up to EUR 1 million | 2240 | Non-Financial corporations (S.11) | N | New business | 1.65 | Bank interest rates - loans to corporations of over EUR .25M & up to EUR 1M (new business) |
| MIR.M.DE.B.A2A.A.R.A.2240.EUR.N | A | Total | 2240 | Non-Financial corporations (S.11) | N | New business | 1.52 | Bank interest rates - loans to corporations (new business) |
| MIR.M.DE.B.A2A.A.R.A.2240.EUR.P | A | Total | 2240 | Non-Financial corporations (S.11) | P | Pure new loans | 1.50 | Bank interest rates - loans to corporations (pure new loans) |
| MIR.M.DE.B.A2A.A.R.A.2240.EUR.R | A | Total | 2240 | Non-Financial corporations (S.11) | R | Renegotiation | 1.55 | Bank interest rates - loans to corporations (renegotiations) |
| MIR.M.DE.B.A2A.A.R.A.2250.EUR.P | A | Total | 2250 | Households and non-profit institutions serving households (S.14 and S.15) | P | Pure new loans | 2.11 | Bank interest rates - loans to households (pure new loans) |
| MIR.M.DE.B.A2A.A.R.A.2250.EUR.R | A | Total | 2250 | Households and non-profit institutions serving households (S.14 and S.15) | R | Renegotiation | 2.44 | Bank interest rates - loans to households (renegotiations) |
Graph
All
Code
MIR |>
filter(REF_AREA == "DE",
# A2A: Loans oth. than revolving loans and overdrafts, convenience and ext. CC debt
BS_ITEM == "A2A",
# A: Total
MATURITY_NOT_IRATE == "A",
# R: Rate
DATA_TYPE_MIR == "R") |>
mutate(TITLE = gsub("Bank interest rates - loans to", "", TITLE),
TITLE = gsub("- Germany", "", TITLE)) |>
month_to_date() |>
ggplot() +
geom_line(aes(x = date, y = OBS_VALUE / 100, color = TITLE)) +
theme_minimal() + xlab("") + ylab("Germany Interest Rates (%)") +
scale_x_date(breaks = seq(1960, 2100, 2) |> paste0("-01-01") |> as.Date(),
labels = date_format("%Y")) +
scale_y_continuous(breaks = 0.01*seq(-10, 50, 1),
labels = percent_format(accuracy = 1)) +
theme(legend.position = c(0.65, 0.8),
legend.title = element_blank(),
legend.text = element_text(size = 8),
legend.key.size = unit(0.9, 'lines'))
2010-
Code
MIR |>
filter(REF_AREA == "DE",
# A2A: Loans oth. than revolving loans and overdrafts, convenience and ext. CC debt
BS_ITEM == "A2A",
# A: Total
MATURITY_NOT_IRATE == "A",
# R: Rate
DATA_TYPE_MIR == "R") |>
mutate(TITLE = gsub("Bank interest rates - loans to", "", TITLE),
TITLE = gsub("- Germany", "", TITLE)) |>
month_to_date() |>
filter(date >= as.Date("2010-01-01")) |>
ggplot() +
geom_line(aes(x = date, y = OBS_VALUE / 100, color = TITLE)) +
theme_minimal() + xlab("") + ylab("Germany Interest Rates (%)") +
scale_x_date(breaks = seq(1960, 2100, 1) |> paste0("-01-01") |> as.Date(),
labels = date_format("%Y")) +
scale_y_continuous(breaks = 0.01*seq(-10, 50, 1),
labels = percent_format(accuracy = 1)) +
theme(legend.position = c(0.65, 0.8),
legend.title = element_blank(),
legend.text = element_text(size = 8),
legend.key.size = unit(0.9, 'lines'))
2015-
Code
MIR |>
filter(REF_AREA == "DE",
# A2A: Loans oth. than revolving loans and overdrafts, convenience and ext. CC debt
BS_ITEM == "A2A",
# A: Total
MATURITY_NOT_IRATE == "A",
# R: Rate
DATA_TYPE_MIR == "R") |>
mutate(TITLE = gsub("Bank interest rates - loans to", "", TITLE),
TITLE = gsub("- Germany", "", TITLE)) |>
month_to_date() |>
filter(date >= as.Date("2015-01-01")) |>
ggplot() +
geom_line(aes(x = date, y = OBS_VALUE / 100, color = TITLE)) +
theme_minimal() + xlab("") + ylab("Germany Interest Rates (%)") +
scale_x_date(breaks = seq(1960, 2100, 1) |> paste0("-01-01") |> as.Date(),
labels = date_format("%Y")) +
scale_y_continuous(breaks = 0.01*seq(-10, 50, .5),
labels = percent_format(accuracy = .1)) +
theme(legend.position = c(0.65, 0.8),
legend.title = element_blank(),
legend.text = element_text(size = 8),
legend.key.size = unit(0.9, 'lines'))
France
2015-
Code
MIR |>
filter(REF_AREA %in% c("FR"),
# A2C: Lending for house purchase excluding revolving loans and overdrafts, convenience and extended credit card debt
BS_ITEM %in% c("A2C", "A20"),
# A: Total
MATURITY_NOT_IRATE == "A",
# R: Rate
DATA_TYPE_MIR == "R",
BS_COUNT_SECTOR == "2250") |>
month_to_date() |>
filter(date >= as.Date("2015-01-01")) |>
mutate(OBS_VALUE = OBS_VALUE/100) |>
ggplot() + theme_minimal() + xlab("") + ylab("Lending for house purchase excluding revolving (%)") +
geom_line(aes(x = date, y = OBS_VALUE, color = paste0(BS_ITEM, " - ", Bs_item, "\n", Ir_bus_cov))) +
scale_x_date(breaks = seq(1960, 2100, 1) |> paste0("-01-01") |> as.Date(),
labels = date_format("%Y")) +
scale_y_continuous(breaks = 0.01*seq(-10, 50, .5),
labels = percent_format(accuracy = .1)) +
theme(legend.position = c(0.5, 0.85),
legend.title = element_blank())
France, Germany, Italy
A2C / A20
All
Code
MIR |>
filter(REF_AREA %in% c("FR", "DE", "IT"),
# A2C: Lending for house purchase excluding revolving loans and overdrafts, convenience and extended credit card debt
BS_ITEM %in% c("A2C", "A20"),
# A: Total
MATURITY_NOT_IRATE == "A",
# R: Rate
DATA_TYPE_MIR == "R",
BS_COUNT_SECTOR == "2250") |>
month_to_date() |>
arrange(desc(date)) |>
left_join(colors, by = c("Ref_area" = "country")) |>
mutate(OBS_VALUE = OBS_VALUE/100) |>
ggplot() + theme_minimal() + xlab("") + ylab("Lending for house purchase excluding revolving (%)") +
geom_line(aes(x = date, y = OBS_VALUE, color = color, linetype = paste0(Bs_item, IR_BUS_COV))) +
add_flags(6) + scale_color_identity() +
scale_x_date(breaks = seq(1960, 2100, 2) |> paste0("-01-01") |> as.Date(),
labels = date_format("%Y")) +
scale_y_continuous(breaks = 0.01*seq(-10, 50, 1),
labels = percent_format(accuracy = 1)) +
theme(legend.position = c(0.8, 0.2),
legend.title = element_blank())
2010
Code
MIR |>
filter(REF_AREA %in% c("FR", "DE", "IT"),
# A2C: Lending for house purchase excluding revolving loans and overdrafts, convenience and extended credit card debt
BS_ITEM %in% c("A2C", "A20"),
# A: Total
MATURITY_NOT_IRATE == "A",
# R: Rate
DATA_TYPE_MIR == "R",
BS_COUNT_SECTOR == "2250") |>
month_to_date() |>
filter(date >= as.Date("2010-01-01")) |>
left_join(colors, by = c("Ref_area" = "country")) |>
mutate(OBS_VALUE = OBS_VALUE/100) |>
ggplot() + theme_minimal() + xlab("") + ylab("Lending for house purchase excluding revolving (%)") +
geom_line(aes(x = date, y = OBS_VALUE, color = color, linetype = paste0(BS_ITEM, " - ", Ir_bus_cov))) +
add_flags(6) + scale_color_identity() +
scale_x_date(breaks = seq(1960, 2100, 1) |> paste0("-01-01") |> as.Date(),
labels = date_format("%Y")) +
scale_y_continuous(breaks = 0.01*seq(-10, 50, .5),
labels = percent_format(accuracy = .1)) +
theme(legend.position = c(0.2, 0.2),
legend.title = element_blank())
2015-
All
Code
MIR |>
filter(REF_AREA %in% c("FR", "DE", "IT"),
# A2C: Lending for house purchase excluding revolving loans and overdrafts, convenience and extended credit card debt
BS_ITEM %in% c("A2C", "A20"),
# A: Total
MATURITY_NOT_IRATE == "A",
# R: Rate
DATA_TYPE_MIR == "R",
BS_COUNT_SECTOR == "2250") |>
month_to_date() |>
filter(date >= as.Date("2015-01-01")) |>
left_join(colors, by = c("Ref_area" = "country")) |>
mutate(OBS_VALUE = OBS_VALUE/100) |>
ggplot() + theme_minimal() + xlab("") + ylab("Lending for house purchase excluding revolving (%)") +
geom_line(aes(x = date, y = OBS_VALUE, color = color, linetype = paste0(BS_ITEM, " - ", Ir_bus_cov))) +
add_flags(6) + scale_color_identity() +
scale_x_date(breaks = seq(1960, 2100, 1) |> paste0("-01-01") |> as.Date(),
labels = date_format("%Y")) +
scale_y_continuous(breaks = 0.01*seq(-10, 50, .5),
labels = percent_format(accuracy = .1)) +
theme(legend.position = c(0.5, 0.85),
legend.title = element_blank())
Pure new loans
Code
MIR |>
filter(REF_AREA %in% c("FR", "DE", "IT"),
# A2C: Lending for house purchase excluding revolving loans and overdrafts, convenience and extended credit card debt
BS_ITEM %in% c("A2C", "A20"),
# A: Total
MATURITY_NOT_IRATE == "A",
# R: Rate
DATA_TYPE_MIR == "R",
BS_COUNT_SECTOR == "2250",
IR_BUS_COV %in% c("N", "O")) |>
month_to_date() |>
filter(date >= as.Date("2015-01-01")) |>
arrange(date) |>
left_join(colors, by = c("Ref_area" = "country")) |>
mutate(OBS_VALUE = OBS_VALUE/100) |>
ggplot() + theme_minimal() + xlab("") + ylab("Loans to Households (%)") +
geom_line(aes(x = date, y = OBS_VALUE, color = color, linetype = paste0(BS_ITEM, " - ", Ir_bus_cov))) +
add_flags(6) + scale_color_identity() +
scale_x_date(breaks = seq(1960, 2100, 1) |> paste0("-01-01") |> as.Date(),
labels = date_format("%Y")) +
scale_y_continuous(breaks = 0.01*seq(-10, 50, .5),
labels = percent_format(accuracy = .1)) +
theme(legend.position = c(0.5, 0.85),
legend.title = element_blank())
A20 - Loans
Loans to Corporations (2240 = Corporations)
Code
MIR |>
filter(REF_AREA %in% c("FR", "DE", "IT"),
# A20 - Loans
BS_ITEM == "A20",
# A: Total
MATURITY_NOT_IRATE == "A",
# R: Rate
DATA_TYPE_MIR == "R",
BS_COUNT_SECTOR == "2240") |>
month_to_date() %>%
select_if(~n_distinct(.) > 1) |>
left_join(colors, by = c("Ref_area" = "country")) |>
mutate(OBS_VALUE = OBS_VALUE/100) |>
ggplot() + theme_minimal() + xlab("") + ylab("Loans to corporations (%)") +
geom_line(aes(x = date, y = OBS_VALUE, color = color)) +
add_flags(3) + scale_color_identity() +
scale_x_date(breaks = seq(1960, 2100, 2) |> paste0("-01-01") |> as.Date(),
labels = date_format("%Y")) +
scale_y_continuous(breaks = 0.01*seq(-10, 50, 1),
labels = percent_format(accuracy = 1))
Loans to Households (2250)
Code
MIR |>
filter(REF_AREA %in% c("FR", "DE", "IT"),
# A2C: Lending for house purchase excluding revolving loans and overdrafts, convenience and extended credit card debt
BS_ITEM == "A20",
# A: Total
MATURITY_NOT_IRATE == "A",
# R: Rate
DATA_TYPE_MIR == "R",
BS_COUNT_SECTOR == "2250") |>
month_to_date() %>%
select_if(~n_distinct(.) > 1) |>
left_join(colors, by = c("Ref_area" = "country")) |>
mutate(OBS_VALUE = OBS_VALUE/100) |>
ggplot() + theme_minimal() + xlab("") + ylab("Loans to households (%)") +
geom_line(aes(x = date, y = OBS_VALUE, color = color)) +
add_flags(3) + scale_color_identity() +
scale_x_date(breaks = seq(1960, 2100, 2) |> paste0("-01-01") |> as.Date(),
labels = date_format("%Y")) +
scale_y_continuous(breaks = 0.01*seq(-10, 50, 1),
labels = percent_format(accuracy = 1))
A2C - Lending for house purchase excluding revolving
All
Code
MIR |>
filter(REF_AREA %in% c("FR", "DE", "IT"),
# A2C: Lending for house purchase excluding revolving loans and overdrafts, convenience and extended credit card debt
BS_ITEM == "A2C",
# A: Total
MATURITY_NOT_IRATE == "A",
# R: Rate
DATA_TYPE_MIR == "R",
# N: New business
IR_BUS_COV == "N") |>
month_to_date() |>
arrange(date) |>
left_join(colors, by = c("Ref_area" = "country")) |>
mutate(OBS_VALUE = OBS_VALUE/100) |>
ggplot() + theme_minimal() + xlab("") + ylab("Lending for house purchase excluding revolving (%)") +
geom_line(aes(x = date, y = OBS_VALUE, color = color)) +
add_flags(3) + scale_color_identity() +
scale_x_date(breaks = seq(1960, 2100, 2) |> paste0("-01-01") |> as.Date(),
labels = date_format("%Y")) +
scale_y_continuous(breaks = 0.01*seq(-10, 50, 1),
labels = percent_format(accuracy = 1))
2010
Code
MIR |>
filter(REF_AREA %in% c("FR", "DE", "IT"),
# A2A: Loans oth. than revolving loans and overdrafts, convenience and ext. CC debt
BS_ITEM == "A2C",
# A: Total
MATURITY_NOT_IRATE == "A",
# R: Rate
DATA_TYPE_MIR == "R",
# N: New business
IR_BUS_COV == "N") |>
month_to_date() |>
filter(date >= as.Date("2010-01-01")) |>
left_join(colors, by = c("Ref_area" = "country")) |>
mutate(OBS_VALUE = OBS_VALUE/100) |>
ggplot() + theme_minimal() + xlab("") + ylab("Lending for house purchase excluding revolving (%)") +
geom_line(aes(x = date, y = OBS_VALUE, color = color)) +
add_flags(3) + scale_color_identity() +
scale_x_date(breaks = seq(1960, 2100, 1) |> paste0("-01-01") |> as.Date(),
labels = date_format("%Y")) +
scale_y_continuous(breaks = 0.01*seq(-10, 50, .5),
labels = percent_format(accuracy = .1))
A22 - Lending for house purchase
Estonia, Lithuania, Portugal, Latvia
Code
MIR |>
filter(REF_AREA %in% c("EE", "LT", "LV", "PT"),
# A22: Lending for house purchase
BS_ITEM == "A22",
# A: Total
MATURITY_NOT_IRATE == "A",
# R: Rate
DATA_TYPE_MIR == "R") |>
month_to_date() |>
filter(date >= as.Date("2018-01-01")) |>
arrange(date) |>
left_join(colors, by = c("Ref_area" = "country")) |>
mutate(OBS_VALUE = OBS_VALUE/100,
color = ifelse(REF_AREA == "FR", color2, color)) |>
ggplot() + theme_minimal() + xlab("") + ylab("Lending for house purchase, Old loans (%)") +
geom_line(aes(x = date, y = OBS_VALUE, color = color)) +
add_flags(4) + scale_color_identity() +
scale_x_date(breaks = seq(1960, 2100, 1) |> paste0("-01-01") |> as.Date(),
labels = date_format("%Y")) +
scale_y_continuous(breaks = 0.01*seq(-10, 50, .5),
labels = percent_format(accuracy = .1))
France, Europe, Belgium, Germany, Netherlands
Code
MIR |>
filter(REF_AREA %in% c("FR", "BE", "DE", "NL"),
# A22: Lending for house purchase
BS_ITEM == "A22",
# A: Total
MATURITY_NOT_IRATE == "A",
# R: Rate
DATA_TYPE_MIR == "R") |>
mutate(Ref_area = ifelse(REF_AREA == "U2", "Europe", Ref_area)) |>
month_to_date() |>
filter(date >= as.Date("2018-01-01")) |>
arrange(date) |>
left_join(colors, by = c("Ref_area" = "country")) |>
mutate(OBS_VALUE = OBS_VALUE/100) |>
ggplot() + theme_minimal() + xlab("") + ylab("Lending for house purchase, Old loans (%)") +
geom_line(aes(x = date, y = OBS_VALUE, color = color)) +
add_flags(4) + scale_color_identity() +
scale_x_date(breaks = seq(1960, 2100, 1) |> paste0("-01-01") |> as.Date(),
labels = date_format("%Y")) +
scale_y_continuous(breaks = 0.01*seq(-10, 50, .2),
labels = percent_format(accuracy = .1))
France, Germany, Italy, Spain, Netherlands
All
Code
MIR |>
filter(REF_AREA %in% c("FR", "DE", "IT", "ES", "NL"),
# A22: Lending for house purchase
BS_ITEM == "A22",
# A: Total
MATURITY_NOT_IRATE == "A",
# R: Rate
DATA_TYPE_MIR == "R") |>
month_to_date() |>
arrange(date) |>
left_join(colors, by = c("Ref_area" = "country")) |>
mutate(OBS_VALUE = OBS_VALUE/100,
color = ifelse(REF_AREA == "FR", color2, color)) |>
ggplot() + theme_minimal() + xlab("") + ylab("Lending for house purchase, Old loans (%)") +
geom_line(aes(x = date, y = OBS_VALUE, color = color)) +
add_flags(5) + scale_color_identity() +
scale_x_date(breaks = seq(1960, 2100, 2) |> paste0("-01-01") |> as.Date(),
labels = date_format("%Y")) +
scale_y_continuous(breaks = 0.01*seq(-10, 50, 1),
labels = percent_format(accuracy = 1))
2018-
Code
MIR |>
filter(REF_AREA %in% c("FR", "DE", "IT", "ES", "NL"),
# A22: Lending for house purchase
BS_ITEM == "A22",
# A: Total
MATURITY_NOT_IRATE == "A",
# R: Rate
DATA_TYPE_MIR == "R") |>
month_to_date() |>
filter(date >= as.Date("2018-01-01")) |>
arrange(date) |>
left_join(colors, by = c("Ref_area" = "country")) |>
mutate(OBS_VALUE = OBS_VALUE/100,
color = ifelse(REF_AREA == "FR", color2, color)) |>
ggplot() + theme_minimal() + xlab("") + ylab("Lending for house purchase, Old loans (%)") +
geom_line(aes(x = date, y = OBS_VALUE, color = color)) +
add_flags(5) + scale_color_identity() +
scale_x_date(breaks = seq(1960, 2100, 1) |> paste0("-01-01") |> as.Date(),
labels = date_format("%Y")) +
scale_y_continuous(breaks = 0.01*seq(-10, 50, .5),
labels = percent_format(accuracy = .1))
Estonia, Lithuania, Portugal, Finland, Spain
Code
MIR |>
filter(REF_AREA %in% c("EE", "LT", "LV", "PT", "FI", "ES"),
# A22: Lending for house purchase
BS_ITEM == "A22",
# A: Total
MATURITY_NOT_IRATE == "A",
# R: Rate
DATA_TYPE_MIR == "R") |>
month_to_date() |>
filter(date >= as.Date("2018-01-01")) |>
arrange(date) |>
left_join(colors, by = c("Ref_area" = "country")) |>
mutate(OBS_VALUE = OBS_VALUE/100,
color = ifelse(REF_AREA == "FR", color2, color)) |>
ggplot() + theme_minimal() + xlab("") + ylab("Lending for house purchase, Old loans (%)") +
geom_line(aes(x = date, y = OBS_VALUE, color = color)) +
add_flags(6) + scale_color_identity() +
scale_x_date(breaks = seq(1960, 2100, 1) |> paste0("-01-01") |> as.Date(),
labels = date_format("%Y")) +
scale_y_continuous(breaks = 0.01*seq(-10, 50, .5),
labels = percent_format(accuracy = .1))
France, Europe, Belgium, Germany, Netherlands
Code
MIR |>
filter(REF_AREA %in% c("FR", "U2", "BE", "DE", "NL"),
# A22: Lending for house purchase
BS_ITEM == "A22",
# A: Total
MATURITY_NOT_IRATE == "A",
# R: Rate
DATA_TYPE_MIR == "R") |>
mutate(Ref_area = ifelse(REF_AREA == "U2", "Europe", Ref_area)) |>
month_to_date() |>
filter(date >= as.Date("2018-01-01")) |>
arrange(date) |>
left_join(colors, by = c("Ref_area" = "country")) |>
mutate(OBS_VALUE = OBS_VALUE/100) |>
ggplot() + theme_minimal() + xlab("") + ylab("Lending for house purchase, Old loans (%)") +
geom_line(aes(x = date, y = OBS_VALUE, color = color)) +
add_flags(5) + scale_color_identity() +
scale_x_date(breaks = seq(1960, 2100, 1) |> paste0("-01-01") |> as.Date(),
labels = date_format("%Y")) +
scale_y_continuous(breaks = 0.01*seq(-10, 50, .2),
labels = percent_format(accuracy = .1))
Credit for consumption and other lending - A25
All
Code
MIR |>
filter(REF_AREA %in% c("FR", "DE", "IT"),
# A2A: Loans oth. than revolving loans and overdrafts, convenience and ext. CC debt
BS_ITEM == "A25",
# A: Total
MATURITY_NOT_IRATE == "A",
# R: Rate
DATA_TYPE_MIR == "R") |>
month_to_date() |>
arrange(date) |>
left_join(colors, by = c("Ref_area" = "country")) |>
mutate(OBS_VALUE = OBS_VALUE/100) |>
ggplot() + theme_minimal() + xlab("") + ylab("Credit for consumption and other lending (%)") +
geom_line(aes(x = date, y = OBS_VALUE, color = color)) +
add_flags(3) + scale_color_identity() +
scale_x_date(breaks = seq(1960, 2100, 2) |> paste0("-01-01") |> as.Date(),
labels = date_format("%Y")) +
scale_y_continuous(breaks = 0.01*seq(-10, 50, 1),
labels = percent_format(accuracy = 1))
2017-
Code
MIR |>
filter(REF_AREA %in% c("FR", "DE", "IT"),
# A2A: Loans oth. than revolving loans and overdrafts, convenience and ext. CC debt
BS_ITEM == "A25",
# A: Total
MATURITY_NOT_IRATE == "A",
# R: Rate
DATA_TYPE_MIR == "R") |>
month_to_date() |>
arrange(date) |>
left_join(colors, by = c("Ref_area" = "country")) |>
mutate(OBS_VALUE = OBS_VALUE/100) |>
filter(date >= as.Date("2017-01-01")) |>
ggplot() + theme_minimal() + xlab("") + ylab("Credit for consumption and other lending (%)") +
geom_line(aes(x = date, y = OBS_VALUE, color = color)) +
add_flags(3) + scale_color_identity() +
scale_x_date(breaks = seq(1960, 2100, 1) |> paste0("-01-01") |> as.Date(),
labels = date_format("%Y")) +
scale_y_continuous(breaks = 0.01*seq(-10, 50, 1),
labels = percent_format(accuracy = 1))