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New loans disbursed by the banking sector during December 2025 amounted to around 62.3 billion lek, or approximately 640 million euros. This represents the highest monthly level recorded not only during 2025, but also in a longer-term perspective over the years. Compared to December 2024, the volume of new loans is around 30 percent higher, reflecting an intensification of lending at the end of the year.
The structure of new lending shows that businesses have maintained the main share of growth. Lending to this segment reached around 510 million euros in December, with an annual growth of approximately 32 percent. This development suggests an increased demand for investment financing and working capital, in a context of stabilizing monetary conditions and more positive expectations for economic activity.
Lending to individuals also showed positive performance. During December, new loans for this segment reached around 130 million euros. The data show that demand for consumer loans and family financing remains stable, especially in the end-of-year period, when household spending and liquidity needs increase.
Within lending to individuals, financing for home purchases continues to play an important role. In December alone, new loans for this purpose amounted to around 57 million euros. In annual terms, banks have granted around 660 million euros in loans for home purchases throughout 2025, confirming the continued demand for financing in the real estate market.
In total, during 2025, the banking sector disbursed around 4.5 billion euros in new loans, of which around 3.1 billion euros belonged to businesses. Compared to 2024, when new loans reached around 3.8 billion euros, the annual growth for 2025 is estimated at close to 15 percent. This dynamics reflects a moderate but sustainable expansion of lending, in line with macroeconomic developments and the policies followed by the banking system.
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