NBP: in Q4 ‘25, banks softening credit policy
According to an NBP survey of bank credit committees, in Q4 2025 banks plan to ease lending policies for both companies and households, and expect rising demand across all credit types, particularly short-term loans for businesses. In Q3, banks generally did not change lending criteria, except for consumer loans, where competition and lower NBP interest rates encouraged easing and boosted demand. For corporate loans, banks lowered margins and extended loan terms, while short-term loan demand rose among SMEs. In the housing loan segment, margins also fell due to competitive pressure, and demand continued to increase.
For consumer loans, banks again eased requirements and expect further, though smaller, demand growth in the coming quarter.
