Bank Lending Survey (BLS): Q4 2025
03/02/2026 - Press Releases
- The credit standards and overall terms and conditions for loans to non-financial corporations (NFCs) remained almost unchanged, in the fourth quarter of 2025. The overall demand for corporate loans increased somewhat.
- The credit standards for household loans remained unchanged for housing loans and consumer credit in the fourth quarter of 2025. The terms and conditions eased somewhat for housing loans, while for consumer loans they remained unchanged in the fourth quarter of 2025. The demand for housing and consumer loans remained unchanged in the fourth quarter of 2025.
Loans to non-financial corporations
In the fourth quarter of 2025, the credit standards for loans to non-financial corporations (NFCs) remained almost unchanged compared with the third quarter of 2025 (see Chart 1), in line with the expectations expressed in the previous quarterly survey round. Banks expect credit standards to remain unchanged during the first quarter of 2026.
The overall terms and conditions for loans to NFCs remained almost unchanged compared with the third quarter of 2025.
During the fourth quarter of 2025, the overall demand for loans to NFCs increased somewhat due to corporate financing needs and the general level of interest rates (see Chart 2). In the first quarter of 2026, banks expect the demand from NFCs to remain almost unchanged.
In the fourth quarter of 2025, the ratio of rejected applications for loans to NFCs remained almost unchanged compared with the previous quarter (see Chart 3).
Loans to households
In the fourth quarter of 2025, the credit standards for housing and consumer loans to households remained unchanged compared with the third quarter of 2025 (see Chart 1), while they are expected to remain also unchanged during the first quarter of 2026. The terms and conditions for housing loans eased somewhat, as a means of enhancing lending activity, mainly through the easing of non-interest-related charges, during the fourth quarter of 2025. The terms and conditions for consumer and other credit loans remained unchanged during the fourth quarter of 2025.
The demand for housing and consumer loans remained unchanged, during the fourth quarter of 2025 (see Chart 2) and is expected to remain also unchanged in the first quarter of 2026.
During the fourth quarter of 2025, the ratio of rejected applications for housing loans and consumer credit remained unchanged (see Chart 3).
Chart 1 - Credit Standards (Average)
Chart 2 - Demand (Average)
Chart 3 - Share of rejected applications (Average)
Related information:
The next Press Release on the “Bank Lending Survey” for the first quarter of 2026 will be published on 28 April 2026, in accordance with the Advance release calendar published on the Bank of Greece website.
Related links:
More on the Bank Lending Survey
Methodology