As a result of the crisis, the loan portfolio of banks has decreased (16% from November 2008 until August 2011) because many borrowers have gotten into trouble and there are not very many new borrowers. Loan conditions are not as favorable as they were a few years ago, but the main factor is that possible borrowers are still being careful.
Kriisi tulemusena on aga pankade laenuportfell vähenenud (novembrist 2008 kuni 2011. aasta augustini 16%), sest paljud laenajad sattusid raskustesse ja uusi laenuvõtjaid napib. Ka pole laenutingimused enam nii soodsad kui mõned aastad tagasi, kuid eelkõige on võimalikud laenajad jäänud endiselt ettevaatlikuks.