The Bank of Greece published its Bank Lending Survey for the fourth quarter of 2025, showing that credit standards and overall terms and conditions for lending to non-financial corporations were almost unchanged, while demand for corporate loans increased somewhat. For households, credit standards remained unchanged for both housing loans and consumer credit, with housing loan terms easing slightly and demand for both housing and consumer loans remaining unchanged. For corporate lending, banks reported an almost unchanged share of rejected applications and attributed the rise in demand mainly to corporate financing needs and the general level of interest rates; for the first quarter of 2026, banks expect credit standards to remain unchanged and demand to be almost unchanged. In household lending, the easing in housing loan terms was driven mainly by lower non-interest-related charges, while terms for consumer and other credit remained unchanged; rejection rates for both housing and consumer loans also stayed unchanged, and demand is expected to remain unchanged in the first quarter of 2026. The next Bank Lending Survey press release covering the first quarter of 2026 is scheduled for 28 April 2026.
Bank of Greece 2026-02-03
Bank of Greece reports stable credit standards in Q4 2025 with a modest pickup in corporate loan demand
The Bank of Greece's Bank Lending Survey for Q4 2025 indicates stable credit standards and terms for non-financial corporations, with a slight increase in corporate loan demand, while household credit standards remained unchanged with eased housing loan terms. Banks anticipate unchanged credit standards and demand for both corporate and household lending in Q1 2026, with the next survey release set for 28 April 2026.