Abstract

The descriptive analysis was applied to investigate the credit dynamics as well as the factors for credit supply and demand in the EU member states in Central and Eastern Europe, being outside the Eurozone – Bulgaria, Latvia, Lithuania, Poland, Romania, Hungary and the Czech Republic in the period 2008-2012. The analysis has taken into consideration the differences among these seven member states, but the economic activity seems to be the key aspect for the demand of credits as well as for the dynamics of crediting. It has an impact on the bank balances through the dynamics of unserved credits, and hence on the behaviour of commercial banks, respectively - the supply of credits.