Credit Situation Assessment - Fourth Quarter 2025

Recent Trends in Credit Availability

According to lenders, access to secured loans for households grew during the three months leading up to the end of November 2025 (Q4), with a modest further rise anticipated for the following quarter ending February 2026 (Q1), as shown in Chart 1. Similarly, unsecured lending options for households also saw an increase in Q4, with expectations of a slight uptick in Q1 (see Chart 2).

For businesses, lenders indicated that the total supply of credit to the corporate sector remained steady throughout Q4. However, a closer look reveals that small businesses experienced improved access to credit during this period, while...