Banks record an increase in business and household demand for loans and predict an expansion of the loan portfolio over the next 12 months. This was reported by the National Bank of Ukraine based on the results of a quarterly survey on bank lending conditions, Ukrinform reports.
It is noted that in the first three months of 2025, demand for corporate financing increased, mainly in the national currency. In the second quarter, respondents expect an increase in demand for all types of business loans.
Household demand for loans also shows positive dynamics. In particular, some large financial institutions noted an increase in demand for mortgages, which led to the highest balance of responses since the beginning of the full-scale invasion. A significant share of surveyed banks expects further growth in demand for mortgage and consumer loans.
The debt burden of businesses remains at an average level, and that of households is low, which creates the potential for expanding lending.
Banks continue to ease lending standards. For short-term and hryvnia loans to businesses, conditions have become more loyal, and this trend is expected to continue. For mortgages and consumer loans, conditions have been softened for the fourth consecutive quarter. The level of approval of applications has increased for all types of loans to households.
At the same time, banks note a noticeable increase in currency and credit risks, as well as a certain increase in interest and operational risks.
