Norges Bank’s Survey of Bank Lending

Banks reported that total household credit demand slowed in 2008 Q4 compared with 2008 Q3 (see Chart 1). The fall in demand was somewhat sharper than expected. Banks expect

Banks reported that total household demand picked up somewhat in 2009 Q3 (see Chart 1). The increase was less than banks expected in Q2 and primarily applied to demand for

Banks report that margins on lending to households fell in Q1 (see Chart 3). Banks expect lending margins to fall further in Q2. No changes were reported in other credit

Even  though  banks  stated  that  credit  standards  for  enterprises  were  approximately  unchanged,  some  factors  were  reported  to  have  a  slightly  negative 

Banks reported a marginal increase in credit demand from non-financial corporations in 2010 Q3, while drawdowns on credit lines remained unchanged (see Chart 4).. Demand

Banks expect broadly unchanged overall credit standards for enterprises, but some tightening on loans to the commercial real estate sector ahead. Several banks commented that

Looking ahead, banks expect household credit demand to remain broadly unchanged overall, but anticipate a continued fall in demand for home equity lines of credit and

Banks reported that total household credit demand slowed less sharply than expected in 2009 Q1 (see Chart 1). Banks expect total household demand for loans to increase in 2009