Sale of loans for individual customers
At the same time, banks and credit unions granted higher amounts of housing loans (+72.2%), installment loans (+21.9%) and cash loans (+20.6%). Only the value of new credit card limits decreased (-1.0%).
In the first quarter of 2026, compared to the same period in 2025, banks and credit unions granted more housing loans (+47.8%), installment loans (+27.9%) and cash loans (+5.7%). Negative dynamics were recorded only for credit cards (-5.9%).
In terms of value, the larger amount of credit activity concerned housing loans (+59.9%), installment loans (+15.2%) and cash loans (+12.3%). The value of credit card limits, however, decreased (-0.9%).
BIK Credit Portfolio Quality Indices for Individual Customers
The March reading of the quality indices was: 3.71% for cash loans, 3.18% for credit cards, 1.24% for installment loans, and 0.53% for housing loans. The highest level of credit risk is still represented by cash loans, and the lowest by housing loans.
In March 2026, compared to March 2025, the reading of the Housing Loan Index improved (decreased) by (-0.12).
The other three indices recorded deterioration (increases): credit cards (+0.18), cash loans (+0.13) and installment loans (+0.07).
In monthly terms: March 2026 to February 2026, the quality index value of all four products improved (decreased): credit cards (-0.17), housing loans (-0.11), cash loans (-0.07) and installment loans (-0.06).
All four indices still show a safe level of portfolio risk for loans granted to households. However, constant monitoring of the individual indices is necessary to identify early signals of portfolio quality deterioration.
