The financial climate in the eurozone is becoming more challenging for the private sector. According to the latest data from the European Central Bank (ECB), companies in the region are facing growing difficulties in accessing bank financing.
Alongside tighter credit conditions, market expectations show signs of cooling. Business leaders predict a slower growth rate for prices and wages over the next year, which is an indicator of a gradual weakening of inflationary pressure in the economy.
The geopolitical situation, specifically the conflict in the Middle East, is already directly affecting the operational strategies of European firms. The survey reports the following trends:
- Supply diversification: 36% of companies are actively seeking alternative sources of raw materials;
- Energy resilience: 31% are investing in energy efficiency;
- Risk management: 21% are increasing their inventory levels to protect themselves against supply chain disruptions.
An interesting fact is the attitude toward new technologies. Despite the artificial intelligence (AI) craze, businesses prefer to rely on their own capital for these investments. Around 72% of firms plan to finance AI projects with their own funds, while only 16% rely on bank loans, confirming the trend of tightening credit supply.