Under the microscope of institutions the banks – out -of -court and new loans at the center

The distance encounters with the banks The technical scales of the Institution In view of the drafting of the post -transcriptive supervision report on the Greek economy. Today, the technical scales are expected to meet with the Hellenic Association of Banks and on Tuesday, April 1, meetings at the head level (all remotely).

Out -of -court mechanism, credit expansion and especially the course of the loan of the recovery fund, trends shown to create new red loans and pending cases of Katseli loan loans are reportedly at the focus of institutions. In all four issues, Greek banks have significant progress.

• The out -of -court mechanism has raised turns and is constantly on the radar of the Ministry of National Economy and Finance for improvements that will allow a significant increase in debt arrangements. Already with the latest improvements that provide for doubling income and property criteria for joining the out -of -court mechanism, and the middle class will be able to settle its debts on favorable terms and “haircuts”.
• Banks’ credit expansion is running with a double -digit growth rate in the business loan sector, retail lending is boosted, and this year there is a positive growth rate in housing faith (new loans to overcome previous repayments). Regarding the Development Fund loans, disbursements are also expected to be more than doubled compared to the years 2023 and 2024, due to the maturation of investment projects.
• The non -performing loans index fell to 3.35% at the end of 2024, compared to 2.28% of a European average, while according to official SSM comparative data, Greek banks have a much lower rate of loans that are in danger of becoming precarious and in fact. In particular, the percentage of loans with a significant increase in credit risk further declined for Greek banks to 7.45% in the fourth quarter of 2024 from 9.61% in the second quarter 2023, while for European banks the percentage of loans at 9.93% respectively from 9.9% respectively.
• Finally, the pending cases of the Katseli law are also completed. A total of 99.97% of applications have been judged in the courts, with only 106 cases left without a listening date, according to the registration made by the institutions in the November 2024 report. The proportion of positive judgments to negative judgments remained stable, with 55.1% positive (40% protection), 40%, 40%, 40%, 40%. procedural reasons or due to non -report).