Bank lending survey 2018Nov
Published on 12/13/2018
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Slight decrease in demand for loans to enterprises
Loans to enterprises: in November, banks reported a slight decrease in demand for credit from large companies and small and medium-sized enterprises.
Loans to households: the banks surveyed indicate a stable demand for consumer loans and a slight decline in demand for housing loans.
Loans to households: the banks surveyed indicate a stable demand for consumer loans and a slight decline in demand for housing loans.
Balances of opinions, calculated as weighted net percentages of responses, do not constitute a measure of the growth of credits actually distributed, nor of the actual evolution of margins.
Changes in net demand for loans to enterprises 
(balance of opinion, weighted net percentage changes)
Contributing factors to changes in SMEs
(balance of opinion, weighted net percentage changes)
Changes in net demand for housing loans
(balance of opinion, weighted net percentage changes)
Changes in net demand for consumer credit
(balance of opinion, weighted net percentage changes)
Changes in households and enterprises' demand: banks' balances of opinion breakdown
(balance of opinion, weighted percentage changes)
Additional information
Changes in corporate financing needs
Mergers/acquisitions and corporate restructuring
(balance of opinion, weighted net percentage changes)
Fixed investment
(balance of opinion, weighted net percentage changes)
NB: Banks' responses are weighted by the relative importance of credit (SMEs, large firms, households' house purchase, consumer credit) they distribute.
For loan demand, the balance of opinion is the difference between the percentage of banks in the sample reporting an increase and the percentage of those reporting a decrease.
For contributing factors to changes in demand (including corporate financing needs), the balance of opinion associated with a factor is the difference between the percentage of banks in the sample reporting the factor as having contributed to an increase in demand and the percentage of those reporting the factor as having contributed to a decrease in demand.
For loan demand, the balance of opinion is the difference between the percentage of banks in the sample reporting an increase and the percentage of those reporting a decrease.
For contributing factors to changes in demand (including corporate financing needs), the balance of opinion associated with a factor is the difference between the percentage of banks in the sample reporting the factor as having contributed to an increase in demand and the percentage of those reporting the factor as having contributed to a decrease in demand.
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Bank lending survey
- Published on 12/13/2018
- EN
- PDF (515.07 KB)
Published on Thursday, December 13, 2018