16:31 4 August 2025
Banks plan to maintain lending for companies, ease for households in Q3
Polish banks plan to maintain current corporate lending standards in Q3 2025 while continuing to ease conditions for households, according to an NBP survey. In Q2 2025, banks eased credit policies across all segments, driven mainly by rising competitive pressure and NBP interest rate cuts. For businesses, banks slightly relaxed requirements by raising maximum loan amounts and reducing collateral demands, boosting demand for loans supporting M&A, investment, and working capital.
Household lending criteria were also eased, with lower margins and higher demand for both mortgages and consumer loans, supported by improved economic conditions and durable goods purchases. In Q3, banks expect rising demand for all loan types, except short-term loans for large enterprises.
