Norges Bank’s Survey of Bank Lending

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

appetite for risk. The banks expect a further tightening of credit standards in 2008 Q1, particularly with regard to commercial real estate. The reasons for this are complex,

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

Credit standards for both households and enterprises were little changed and banks also expect credit standards to remain approximately unchanged in Q3.. Margins on household

In the period ahead, banks expect broadly unchanged credit standards for both households and enterprises.. Participating banks were asked to assess developments in credit

For both households and enterprises in Q3, banks expect minor changes in credit demand, credit standards, loan conditions and margins on loans.. Lending

Banks reported that total household credit demand remained approximately unchanged in 2009 Q2 compared with 2009 Q1 (see Chart 1).. Total household credit demand thus increased less

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