In the 3^rd quarter of 2025

Number of debtors within Non-Financial Companies and Households increased year-on-year

According to data released by the Bank of Portugal, at the end of the 3^rd quarter of 2025, the loan balance for non-financial companies (NFCs) amounted to 1 796.8 million euros, representing an increase of 26.5 million euros (+1.5%) compared with the end of September 2024, and a decrease of 21.9 million euros (-1.2%) compared to June 2025.

The ratio of non-performing loans for this institutional sector remained unchanged from the end of June 2025, standing at 1.0% at the end of September 2025. However, when compared with the same quarter of the previous year, it recorded an increase of 0.2 pp. At the national level, this indicator stood at 1.9% in the same period, identical to that of the previous quarter but lower than the figure observed in the year-on-year terms (-0.2 pp). The amount of non-performing loans held by NFCs headquartered in the Region reached 18.6 million euros, which represents an increase of 0.2 million euros compared with June 2025 and 3.8 million euros compared with September of the previous year.

The percentage of NFC debtors with non-performing loans (NPL) stood at 13.2% at the end of September 2025, a value below the national average (14.5% in the same period). Compared with September 2024, this indicator decreased by 0.4 pp in the Region and 0.2 pp in the country as a whole.

In the households and Non-Profit Institutions Serving Households (NPISH) sector,  the loan balance increased by 231.1 million euros (+7.7%) year-on-year, reaching 3 216.5 million euros at the end of the 3^rd quarter of 2025. When compared with the previous quarter, the balance shows an increase of 71.6 million euros (+2.3%). A detailed breakdown reveals that 73.8% of this total corresponded to housing loans, while the remaining 26.2% related to consumer credit and other purposes.

During the reference quarter, the NPL ratio in this sector stood at 0.8%, remaining unchanged in year-on-year terms but declining compared to the end of June 2025 (-0.1 pp). In the housing loan segment, it reached a new minimum of 0.1% (0.2% at the national level). In the consumption and other purposes segment, it rose to 2.8%, exceeding the national figure by 0.3 pp. In year-on-year terms, this ratio increased by 0.3 pp in the Autonomous Region of Madeira (ARM), while in Portugal it fell by 0.2 pp.

With regard to overdue loans, the total reached 26.9 million euros, of which 3.5 million euros related to housing segments and 23.4 million euros to consumption and other purposes. Overall, there was a year-on-year change of +7.2%, with no change observed compared with the previous quarter.

The number of debtors in the Households and NPISH sector increased in year-on-year terms to 104.2 thousand (+1.5 thousand; +1.5%), of which 42.8 thousand corresponded to debtors with housing loans (+0.2 thousand; +0.5%) and 89.0 thousand to loans for consumption and other purposes (+1.3 thousand; +1.5%).

The percentage of debtors (Households and NPISH) with overdue loans in the ARM stood at 6.2% at the end of the 3^rd quarter of 2025, compared with 7.2% in Portugal. Compared to the same quarter of the previous year, this ratio increased by 0.1 pp in the ARM and decreased by 0.3 pp at the national level.

Deposits increase among non-financial companies and households, but continue to decline among emigrants

At the end of the 3^rd quarter of 2025, Household and NPISH deposits totalled 4 404.9 million euros, reflecting a year-on-year increase of 5.5% and a quarter-on-quarter rise of 0.5%.

In the NFC sector, deposits amounted to 2 045.7 million euros, corresponding to a year-on-year change of +25.3% and a quarter-on-quarter increase of +6.0%.

Conversely, the deposit balance of emigrants continued its downward trajectory, standing at 134.6 million euros at the end of September 2025, representing a year-on-year decline of 25.1% and a quarter-on-quarter decrease of 9.7%.

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