The survey, carried out in H1 2025, reveals a robust demand for credit across both corporate and retail sectors, prompting cross-border banking groups to reinforce their operations in the region.

The EIB, covering around 15 international banking groups and 85 local subsidiaries or independent local banks. Together, they make up more than 50% of banking assets in most CESEE countries.

Despite a recent lag in credit supply over the past three years, banks are optimistic about a slight easing of supply conditions in the coming six months, particularly for small and medium-sized enterprises (SMEs). This anticipated shift marks a reversal from the restrictive lending trends observed since late 2021.

Kyriacos Kakouris, Vice President of the EIB, said: "This survey underscores the high market potential in Czechia, Bulgaria, Slovakia and Romania, with profitability being higher in the region when compared to banks overall group operations. CESEE banking sector is proving resilient, and the EIB will continue to support the growth of the area." 

He further added, "We are encouraged by the improvements in the CESEE Banking sector over the past six months. However, banks must remain vigilant given the current global challenges."

The strong credit demand, especially from SMEs, is driven by businesses seeking financing for investments and operational costs, alongside individuals looking to invest in housing. 

High profitability expectations among cross-border banking groups further underscore their commitment, indicating a belief in the region's long-term growth potential despite ongoing global uncertainties. 

The EIB Group, which also includes the European Investment Fund (EIF), signed nearly €89 billion in new financing for over 900 high-impact projects in 2024.