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European Central Bank ecb.europa.eu

October 2026 euro area bank lending survey

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Press release

Finance Classified by Officially

  • Further tightening of credit standards for loans to firms and consumer credit, owing to higher risks
  • Decline in loan demand across all segments, driven mainly by higher interest rates
  • Gradual but sustained increase in demand for loans to finance AI infrastructure

    • According to the October 2026 bank lending survey (BLS), euro area banks reported a further net tightening of credit standards – banks’ internal guidelines or loan approval criteria – for loans or credit lines to enterprises in the third quarter of 2026 (net percentage of 9% of banks; Chart 1). Banks reported unchanged credit standards for loans to households for house purchase (net percentage of 0%) and a further net tightening for consumer credit and other lending to households (net percentage of 14%).

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    Source: European Central Bank.

    Read the original at the source: https://www.ecb.europa.eu//press/pr/date/2026/html/ecb.pr261027~506ef03145.en.html

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    European Central Bank — imported from official source
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    https://www.ecb.europa.eu/rss/press.html RSS
    Imported
    October 27, 2026 09:01
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    1 recorded
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    https://www.ecb.europa.eu//press/pr/date/2026/html/ecb.pr261027~506ef03145.en.html

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