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

Credit demand from individuals remained stable in Q3 2026, 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 loan requests from individuals and mixed evaluations for SMEs. Credit granting criteria remained unchanged for companies but became slightly stricter for individuals, particularly in housing loans. Competition among banks eased some restrictions, while risk perceptions tightened them for SMEs. Overall, banks foresee stricter lending criteria for SMEs and long-term loans in Q4, with no significant changes in retail financing access.