Krajem ožujka ukupni krediti 41,7 mlrd. eura


Prema posljednjim podacima HNB-a, ukupni krediti drugih monetarnih financijskih institucija institucionalnim sektorima iznosili su na kraju ožujka 41,7 mlrd. eura, što je povećanje za 151,8 mil. eura ili 0,4% na mjesečnoj razini i 3,7 mlrd. eura ili 9,9% u odnosu ožujak 2022. (na osnovi stanja).


Promatrano po sektorima, krediti nefinancijskim poduzećima ukupnog iznosa 14,0 mlrd. eura bili su na kraju ožujka veći tek za 33,7 mil. eura ili 0,2% na mjesečnoj razini. Godišnja stopa rasta nastavila je usporavati, a u ožujku se spustila na 15,2% (+1,8 mlrd. eura) u odnosu na 20% zabilježenih u veljači 2023. Na godišnjoj razini, rast kredita za obrtna sredstva usporio je na 7,1% (+287 mil. eura), što je 8,5 postotnih bodova manje u odnosu na godišnju promjenu u veljači. Prva je to jednoznamenkasta stopa rasta ove kategorije u posljednjih godinu dana. 

Krediti za obrtna sredstva na kraju ožujka iznosili su 4,3 mlrd. eura, a na mjesečnoj razini pali su za 1% ili 44,9 mil. eura. Istovremeno su krediti za investicije zabilježili rast za 50,7 mil. eura ili 0,9% u odnosu na veljaču, a iznosili su 5,6 mlrd. eura pri čemu je godišnja stopa rasta usporila s 16,2% u veljači na 13,6% u ožujku (+670,4 mil. eura). 

S druge strane, krediti kućanstvima s iznosom od 20,1 mlrd. eura ostvarili su solidan rast u odnosu na veljaču (+1% ili 202,9 mil. eura), dok je u odnosu na ožujak 2022. rast iznosio 1,1 mlrd. eura ili 5,5%. Promatrano prema strukturi, stambeni krediti na koje se odnosi polovica ukupnih kredita plasiranih kućanstvima, s iznosom od 10 mlrd. eura, na mjesečnoj su razini ostvarili skroman rast od 0,5% ili 54,3 mil. eura.

U odnosu na ožujak 2022. stambeni krediti bili su viši za 866 mil. eura ili 9,5%. Intenzivniji rast stambenih kredita očekuje se u idućim mjesecima uslijed novoga kruga subvencioniranja stambenih kredita. Druga najveća stavka, gotovinski nenamjenski krediti, s udjelom od 36,6% u ukupnim kreditima kućanstvima i iznosom od 7,4 mlrd. eura, zabilježili su mjesečni rast od 1,4% (+103,2 mil. eura) te rast na godišnjoj razini od 3,3% (234,7 mil. eura).

Krediti općoj državi, od kojih se glavnina (87%) odnosi na kredite središnjoj državi, na kraju ožujka iznosili su 7,1 mlrd. eura. Uz povećanje u odnosu na ožujak prošle godine za 837,3 mil. eura (+13,4%), u odnosu na veljaču zabilježen je pad za 130,6 mil. eura ili 1,8%. Pri tome se većina kredita središnjoj državi odnosilo na dugoročne kredite (s dospijećem višim od 5 godina).

Na osnovi transakcija ostvaren je rast ukupnih kredita za 0,9% ili 0,3 mlrd. eura, prvenstveno kao odraz pojačanje kreditne aktivnosti sektora stanovništva (0,2 mlrd. eura ili 1,1%). Ubrzanje rasta gotovinskih nenamjenskih kredita može odražavati povećanu potrebu financiranja tekuće potrošnje u okružju ustrajnih inflatornih pritisaka i posljedičnog utjecaja na raspoloživi dohodak kućanstava. Rast bilježi i kreditiranje nefinancijskih poduzeća i ostalih nebankovnih financijskih institucija. U strukturi kredita nefinancijskim poduzećima, u odnosu na veljaču porasli su krediti za investicije, a smanjili se krediti za obrtna sredstva. Usporavanje godišnje stope rasta kredita nefinancijskim poduzećima odraz je i već snažnog rasta promatranih kredita u ožujku godinu dana ranije.



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