Bank lending survey 2018Sep
Published on 10/11/2018
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The credit demand does not show any particular inflexions
Loans to enterprises: in September, banks report a decline in demand for loans from large companies, while the demand from SMEs is stable.
Loans to households: only one bank reports a slight decline in demand for housing loans; consumer credit demand is increasing.
Loans to households: only one bank reports a slight decline in demand for housing loans; consumer credit demand is increasing.
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 10/11/2018
- EN
- PDF (517.36 KB)
Published on Thursday, October 11, 2018