Black Whale - nieruchomości inwestycyjne

According to the latest study conducted by KPMG, financing commercial real estate in Central and Eastern Europe remains a key area of interest for banks. However, banks in the region are divided on future changes in their loan portfolios. Surprising data suggests that 38% of respondents do not expect significant changes, while another 38% anticipate growth.

Over the next two years, many banks will face the need to refinance a significant portion of their portfolios. In particular, the short-term real estate loan segment will require special attention. Approximately 17% of these loans are to be repaid within 12 months, and 32% within two years.

Analysis of the commercial real estate market in Poland indicates changing investment trends. Investors from the Central and Eastern Europe region, particularly interested in warehouse assets, play a key role. However, the office sector faces challenges related to evolving work models and decreased demand for office space.

In Poland, banks are once again focusing their financing on warehouse facilities, office investments, and residential properties. This is in line with trends observed in Central and Eastern Europe.

The study also showed an increase in interest margins for most banks compared to previous years. However, this growth was more moderate, disproportionate to the rapid rise in benchmark interest rates.

The conclusion from the KPMG report suggests that banks in the region are adopting a restrictive approach to collateral, especially in the case of development projects. Additionally, LTV and LTC ratios remain relatively stable, although Polish banks show some flexibility in accepting higher LTV ratios for logistic and office investments.

The "Property Lending Barometer" report is a significant source of information on current trends and forecasts in the commercial real estate financing sector in the Central and Eastern Europe region. The study's results reflect the dynamic nature of this sector and the challenges that will shape its future.