NORGES BANK’S SURVEY OF BANK LENDING

As expected, banks reported higher margins on loans to enterprises (Chart 7). Banks expect mar- gins to continue to rise in Q3. Banks indicated no. changes in other loan

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

As a whole, banks expect somewhat lower margins on lending to households in Q1, while other credit conditions are expected to remain approximately unchanged..

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

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

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

Banks also reported somewhat higher funding costs and a slight fall in household and corporate lending margins.. Lending

Banks reported falling lending markets on household loans in both 2011 Q2 and 2011 Q3, while the expectation in the previous bank lending survey was for slightly higher