{"id":1593020,"date":"2025-03-13T10:15:11","date_gmt":"2025-03-13T09:15:11","guid":{"rendered":"https:\/\/www.fma.gv.at\/?p=1593020"},"modified":"2025-12-22T10:50:39","modified_gmt":"2025-12-22T09:50:39","slug":"fma-survey-as-of-year-end-2024-only-e6-1-bn-outstanding-in-foreign-currency-loans-90-reduction-since-the-ban-on-granting-fx-loans-in-2008","status":"publish","type":"post","link":"https:\/\/www.fma.gv.at\/en\/fma-survey-as-of-year-end-2024-only-e6-1-bn-outstanding-in-foreign-currency-loans-90-reduction-since-the-ban-on-granting-fx-loans-in-2008\/","title":{"rendered":"FMA Survey: As of year-end 2024 only \u20ac6.1 bn outstanding in foreign currency loans &#8211; 90% reduction since the ban on granting FX loans in 2008"},"content":{"rendered":"<?xml encoding=\"utf-8\" ?><p class=\"wp-block-paragraph\">The volume of foreign currency loans (FX lending) to private households fell by 4.4% adjusted for exchange rate effects during the final quarter of 2024. During 2024, over the course of the entire year, the total volume fell by 17% or &euro;1.27 billion, to &euro;6.13 billion outstanding. This represents 3.5% of all lending to private households. These are the findings from the latest survey conducted by the Austrian Financial Market Authority (FMA) on FX lending.<\/p><p class=\"wp-block-paragraph\">Since the FMA imposed a ban on the granting of new foreign currency loans in Autumn 2008, the outstanding volume has fallen by &euro; 43.2 billion or 90% adjusted for exchange rate effects. At the height of the FX lending boom in 2006 almost one-third of all loans to private households (32%) were denominated in foreign currencies. This position was a risk for the entire banking sector during the Global Financial Crisis of 2008.<\/p><p class=\"wp-block-paragraph\">Practically all remaining FX loans (98.8%) are denominated in Swiss francs (the remainder is almost exclusively in Japanese yen). During the 4th quarter, the Swiss franc exchange rate was around 0.9412 CHF to the Euro. The Swiss franc has appreciated by 71.6% since the start of 2008.<\/p><p class=\"wp-block-paragraph\">The majority of the remaining bullet FX loans are expected to mature between 2029 and 2033 according to FMA estimates. Credit institutions are required to hold a meeting with affected borrowers at least annually. Borrowers are strongly urged to make use of this opportunity to meet with their lender.<\/p><p class=\"wp-block-paragraph\">Information about foreign currency loans to private households and the associated risks <a href=\"https:\/\/www.fma.gv.at\/wp-content\/plugins\/dw-fma\/download.php?d=7035\" target=\"_blank\" rel=\"noreferrer noopener\">can be found here<\/a>. The FMA Minimum Standards on FX Loans can be <a href=\"https:\/\/www.fma.gv.at\/wp-content\/plugins\/dw-fma\/download.php?d=6446\" target=\"_blank\" rel=\"noreferrer noopener\">downloaded here<\/a>.<\/p><h2 class=\"wp-block-heading\">Journalists may address further enquiries to<\/h2><p class=\"wp-block-paragraph\">Boris Gr&ouml;ndahl (FMA Media Spokesperson)<\/p><p class=\"wp-block-paragraph\">Telephone: <a href=\"tel:00431249596010\" target=\"_blank\" rel=\"noopener\" class=\"external\">+43 (1) 249 59-6010<\/a><\/p><p class=\"wp-block-paragraph\">Mobile: <a href=\"tel:004367688249995\" target=\"_blank\" rel=\"noopener\" class=\"external\">+43 676 8824 9995<\/a><\/p><p class=\"wp-block-paragraph\">E-Mail: <a href=\"mailto:boris.groendahl@fma.gv.at\" target=\"_blank\" rel=\"noreferrer noopener\">boris.groendahl@fma.gv.at<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>FX lending has fallen by 90% since the financial crisis: only 3.5% of total loans.<\/p>\n","protected":false},"author":20,"featured_media":46272,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[80],"tags":[],"class_list":["post-1593020","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-press-release"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>FMA Survey: As of year-end 2024 only \u20ac6.1 bn outstanding in foreign currency loans - 90% reduction since the ban on granting FX loans in 2008 - FMA \u00d6sterreich<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fma.gv.at\/en\/fma-survey-as-of-year-end-2024-only-e6-1-bn-outstanding-in-foreign-currency-loans-90-reduction-since-the-ban-on-granting-fx-loans-in-2008\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FMA Survey: As of year-end 2024 only \u20ac6.1 bn outstanding in foreign currency loans - 90% reduction since the ban on granting FX loans in 2008 - FMA \u00d6sterreich\" \/>\n<meta property=\"og:description\" content=\"FX lending has fallen by 90% since the financial crisis: only 3.5% of total loans.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fma.gv.at\/en\/fma-survey-as-of-year-end-2024-only-e6-1-bn-outstanding-in-foreign-currency-loans-90-reduction-since-the-ban-on-granting-fx-loans-in-2008\/\" \/>\n<meta property=\"og:site_name\" content=\"FMA \u00d6sterreich\" \/>\n<meta property=\"article:published_time\" content=\"2025-03-13T09:15:11+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-22T09:50:39+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fma.gv.at\/wp-content\/uploads\/2023\/09\/Webseite-Teaser-1320x440-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1320\" \/>\n\t<meta property=\"og:image:height\" content=\"440\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Michael Bailey\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@FMA_AT\" \/>\n<meta name=\"twitter:site\" content=\"@FMA_AT\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Michael Bailey\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.fma.gv.at\\\/en\\\/fma-survey-as-of-year-end-2024-only-e6-1-bn-outstanding-in-foreign-currency-loans-90-reduction-since-the-ban-on-granting-fx-loans-in-2008\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.fma.gv.at\\\/en\\\/fma-survey-as-of-year-end-2024-only-e6-1-bn-outstanding-in-foreign-currency-loans-90-reduction-since-the-ban-on-granting-fx-loans-in-2008\\\/\"},\"author\":{\"name\":\"Michael Bailey\",\"@id\":\"https:\\\/\\\/www.fma.gv.at\\\/en\\\/#\\\/schema\\\/person\\\/0fc93858fe7814eedc8002775131ee91\"},\"headline\":\"FMA Survey: As of year-end 2024 only \u20ac6.1 bn outstanding in foreign currency loans &#8211; 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