Norges Bank’s Survey of Bank Lending

If all the banks in the sample report some tightening of credit some of the banks have tightened their credit standards a little without the other banks changing their credit

Banks reported falling household credit demand in 2010  Q1  (see  Chart  1).  In  the  previous  quarter,  they  had  expected  broadly unchanged  demand  ahead. 

1 Norges Bank’s quarterly bank lending survey is a qualitative survey of banks’ credit standards and their assessments of credit demand.. The ten largest banks in the Norwegian

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

Negative net percentage balances for maximum loan maturity denote tighter credit standards Source: Norges Bank. Chart 7 Change in loan conditions for

Overall credit standards for households showed little change in Q3, in line with banks’ expectations in Q2 (see Chart 2). A slight easing in credit standards was reported for

Margins on loans to enterprises and corporate lending rates were reported to be slightly higher in Q4, with a further increase expected in Q1 (Charts 17 and 18). unchanged, -1/-2

There were no substantial changes to the individual factors affecting credit standards and loan conditions were virtually unchanged (Charts 5-8).. Nor do banks expect any