Credit demand by companies and individuals stable in the 3rd quarter compared to the previous one

In the third quarter of 2026, credit demand from individuals remained stable, with a slight decrease in housing loans due to interest rates. Large companies showed reduced loan demand, influenced by investment financing needs. Banks expect a slight decline in individual loan requests in the upcoming quarter. Credit granting criteria for companies remained unchanged, while those for individuals became slightly more restrictive, particularly in housing loans. Competition among banks led to slightly less restrictive terms for companies, but risk perceptions increased restrictions for SMEs. Overall, banks foresee tighter lending criteria for SMEs and long-term loans in the next quarter.