FX.co ★ Euro Zone Private Sector Loan Growth Holds Steady at 3.0% in January

Euro Zone private sector lending growth remained unchanged in January 2026, with the year-over-year increase holding at 3.0%. The reading matches the pace recorded in December 2025, indicating stable credit conditions at the start of the year.

Using a year-over-year comparison, January’s figure reflects the same annual growth rate in private sector loans as seen in the previous month. Both the “actual” (January 2026 vs. January a year earlier) and the “previous” (December 2025 vs. December a year earlier) comparisons show a 3.0% rise.

The data, updated on 26 February 2026, suggest that private sector credit expansion in the Euro Zone is neither accelerating nor slowing on an annual basis, pointing to a consistent lending environment across the currency bloc.