According to the banks, business climate showed no significant changes during 2009. The index of business climate assessment remains at -0.5, close to that of -0.57 for the results of the previous poll. Again, none of the banks evaluates business climate positively. Half of the banks judges it as satisfactory, the other half, as negative. Compared with the 1st quarter of 2009, the balance shifted towards neutral assessments. At the beginning of this year, 42.9% of the banks evaluated business climate as satisfactory and 57.1% as bad. Similarly to the current survey, no banks assessed it positively. Expectations index as to the change of business climate stopped descending in the second quarter of 2009. In the end of the year, it grew significantly. This happened because a considerably smaller proportion of the banks predict worsening of business climate today (25% compared to 57.1% in the beginning of the year). The number of banks which expect improvement of business climate increased twofold (33% compared to 14.3%). But the majority of the surveyed banks (41.7%) did not expect changes in business climate.