A shopping street in Ljubljana
How much retail lending growth is too much? It is a question that has been exercising regulators across emerging Europe during the past two years as banks in the region have rushed to offer cash to newly confident and – by developed market standards – underleveraged consumers.
With annual retail growth rates well into double-digits, central bankers from the Czech Republic to Russia have tried to cool markets and reduce over-indebtedness by introducing limits on debt-to-income ratios and loan-to-value mortgages.
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