OREANDA-NEWS. December 18, 2012. Belarusian banks report milder credit terms for all types of borrowers in the third quarter of 2012. In this connection they expect credit terms to grow tougher in the fourth quarter of 2012 and the first quarter of 2013. This information is presented in the expert poll of bank managers reviewing credit terms in July-September published on the official website of the National Bank of Belarus.

As many as 25% of banks expect consumer credits in Belarusian rubles to become more accessible for physical persons, while 28.1% of bank managers say that bank loan terms will be less favorable. 9.4% of Belarusian banks believe that access to consumer credits will be limited.

12.5% of banks expect a considerable deterioration of Br credit terms for small and medium enterprises in the 4th quarter of 2012, and 9.4% expect the same for big enterprises. 21.9% of bank representatives believe that credit terms will grow a little tougher for businesses in the 4th quarter of 2012, while 21.9% of banks expect this to happen in the 1st quarter of 2013.

As for foreign currency loans, 15.6% of banks expect terms to be less favourable for businesses in the 4th quarter of 2012. However 80% of banks the trems to be stable in the 1st quarter of 2013.