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2025-10-28 17:09:41
[German central bank credit survey shows that banks generally tightened credit standards] ⑴ German banks tightened credit standards for corporate and household loans in the third quarter of 2025. ⑵ Increased credit risk and reduced risk tolerance are the main reasons. ⑶ Banks have stricter terms for corporate loans and housing loans, but slightly relaxed consumer credit terms. ⑷ Demand for all loan categories continued to grow, but the growth rate narrowed compared with the previous quarter. ⑸ Non-performing loan ratios and other credit quality indicators have a restrictive impact on credit standards. ⑹ The ECB's interest rate decision has a negative impact on banks' net interest income and is expected to continue to drag down profitability this winter. ⑺ The net tightening ratio of corporate loans is +10%, housing loans is +4%, and consumer credit is +7%. ⑻ Banks plan to maintain corporate credit standards unchanged in the fourth quarter, but expect to further tighten household credit standards
