As the Loan Market Association marks its 30th anniversary, we are pleased to share our landmark research report 2040: The Future for EMEA Loan Markets.

Drawing on insights from more than 230 senior market participants across EMEA, the report explores the structural trends, opportunities and challenges expected to shape the future of lending, liquidity and growth over the next 15 years. The research finds a market that is realistic about near-term pressures but confident in its long-term future: 38% of participants are positive about the next 12 months, rising to two thirds over five years, with 70% expecting loan volumes to grow over that period. 

The report also examines the structural shifts that will define the market to 2040, including the rise of non-bank capital, the impact of artificial intelligence, the evolution of sustainability, regulatory change and the growing financing needs of the real economy.