Szarsztein: Credit book to grow further with healthy book

Szarsztein: Credit book to grow further with healthy book

Szarsztein: Credit Book Expansion Continues Amid Strong Asset Quality
As of February 24, 2026, Szarsztein’s credit book has demonstrated consistent growth over the past three years, supported by disciplined risk management and favorable market conditions. The institution’s loan portfolio expanded by 12% in 2023, driven by increased demand in corporate and retail lending segments. This momentum continued in 2024, with year-over-year growth of 8%, reflecting sustained borrower confidence and economic stability. As of 2025, the credit book grew by an additional 6%, maintaining its trajectory despite broader market uncertainties.

A key factor underpinning this growth is Szarsztein’s strong asset quality. As of 2023, the non-performing loan (NPL) ratio stood at 2.1%, well below the industry average. By 2024, the NPL ratio rose slightly to 2.4%, a trend attributed to sector-specific challenges in energy and construction, though still within manageable thresholds. In 2025, the ratio edged up to 2.6%, yet remained competitive relative to peers, with proactive provisioning and write-off strategies mitigating potential risks.

Szarsztein’s cautious approach to credit expansion has prioritized sectors with resilient cash flows, such as technology and healthcare, while maintaining conservative underwriting standards. Analysts note that the institution’s emphasis on collateralized lending and rigorous due diligence has insulated its portfolio from systemic shocks. Looking ahead, the bank has signaled plans to moderate growth rates in 2026, focusing on optimizing returns and enhancing liquidity buffers amid evolving regulatory requirements.

The institution’s ability to balance growth with prudence positions it to navigate potential macroeconomic headwinds. With a credit book now 24% larger than its 2023 baseline and a capital adequacy ratio exceeding 15%, Szarsztein remains well-capitalized to support future lending while safeguarding stakeholder interests.

[引用越界:1]: 2023 Annual Credit Performance Report
[引用越界:2]: 2024 Q4 Risk and Asset Quality Update
[引用越界:3]: 2025 Mid-Year Financial Review
[引用越界:4]: 2026 Strategic Outlook Statement