Around 95% of banks reported worsening assessments of the macroeconomic environment, while 39% said access to short- and long-term funding deteriorated in the second half of last year.
Two-thirds of lenders indicated a decline in corporate clients' creditworthiness and 55% said retail borrowers were no longer as creditworthy.
About 5% of banks said demand for corporate credit rose, while 58% said retail borrowing demand fell.
Looking ahead to the first half of 2023, 50% of banks see the domestic macro environment worsening, while 42% expect the availability of funding to narrow. Around 71% expect businesses to become less creditworthy and 63% see retail clients' creditworthiness worsening.
About 24% augur a decline in demand for corporate credit and 42% see households' demand for loans dropping.
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