The percentage of bankers expecting an increase in housing loans for individual customers over the next six months rose to 50% in December, up from 46% in November, according to the latest “Monitor Bankowy” report published by Mind&Roses. Expectations for growth in investment loans for enterprises also climbed significantly, reaching 55% in December compared to 41% the previous month. The survey found that 53% of respondents anticipate an increase in consumer loans for individuals in the next six months, a slight uptick from 52% in November. “The overall customer activity index in the household credit market rose by 20 points in December, reaching 29 points. The balance of customer activity assessments for consumer credit increased by 6 points month-over-month (m/m) but dropped 3 points year-over-year (y/y). Meanwhile, the housing loan market assessment balance improved by 43 points m/m, though it remains 4 points lower y/y. The three-month forecast index for the household loan market edged up by 1 point, now standing at 41 points,” the report stated. The corporate loan market also showed positive momentum. Growth in trade loans is now expected by 68% of bankers, up from 59% in November, while expectations for investment loan growth jumped to 55% from 41% over the same period. “The overall activity indicator for entrepreneurs in the business loan market rose by 17 points to 19 points. For the investment loan market, the monthly activity index increased by 16 percentage points and is 21 points higher y/y. Similarly, the trading loan market index grew by 20 points m/m and 4 points y/y. The forecast index for the business operators’ loan market is up by 4 points, currently at 26 points,” the report noted. The findings reflect increasing optimism among bankers about both household and business lending markets. The housing and consumer credit segments are experiencing steady growth, while investment and trade loan expectations indicate renewed confidence in corporate borrowing. These trends suggest a broader recovery in lending activity as the economy continues to stabilize and grow. Source: Mind&Roses and ISBnews