According to the Banco de España’s Bank Lending Survey (EPB), credit supply tightened slightly in Q4 2025, while demand moderated its expansionary trend. Lending criteria became stricter in consumer loans, remaining stable in other segments. Corporate financing demand saw a slight decline. For Q1 2026, banks anticipate a minor tightening in mortgage lending supply, with demand expected to remain stable across all segments. The report highlights evolving credit conditions across non-financial corporations, households, and individuals, reflecting broader economic dynamics in Spain.
© Banco de España 2009.
Summary adapted from material on the Banco de España website (https://www.bde.es ).
https://www.bde.es/wbe/en/noticias-eventos/actualidad-banco-espana/notas-banco-espana/la-oferta-de-credito-se-endurecio-ligeramente-en-el-cuarto-trimestre-de-2025-mientras-que-la-demanda-modero-su-evolucion-expansiva.html
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