CESEE Bank Lending Survey – H1 2022 – Spring Edition

The authors and administrators of the survey made an effort to ensure the quality of the analysis, the representativeness of the survey and the reliability of market players’ assessments and expectations. [...] In the following, the “last six months” refers to the period between October 2021 and March 2022, and the “next six months” refers to the period between April 2022 and September 2022. [...] The results of the CESEE Bank Lending Survey help to anticipate the possible impact of the war in Ukraine on the region’s banking market and on the availability of credit for companies and households (Russia and Ukraine are beyond the scope of the survey). [...] Domestically and internationally, most of the factors contributed to the easing of supply conditions over the last six months, with the exception of the global outlook, EU regulation and the concerns related to credit quality. [...] 80% Looking ahead, banks in Bosnia-Herzegovina, like in 60% other countries in the region, expect a retightening of 40% the credit supply, influenced by the general tightening of 20% financial conditions at the global level and the possible 0% direct and indirect effects of the war in Ukraine.