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2023 Euro Area Bank Lending Survey

The October 2023 Euro Area Bank Lending Survey indicates ongoing challenges in the lending environment in the Eurozone.

  • Credit standards tightened for businesses, impacting loan approval criteria for housing, and consumers.
  • At the same time, loan demand decreased significantly due to higher interest rates and economic uncertainties
  • Access to funding deteriorated, particularly in the retail funding segment, due to heightened competition for liquidity
  • ECB's balance sheet reduction contributed to tighter lending conditions

At Altimapa Capital, we help our clients navigate the intricacies of modern funding markets.

Whether your company aims to raise debt, or is aiming to optimise its balance sheet please reach out to us for a conversation.

Source: October 2023 euro area bank lending survey (