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Lending Norges Bank’s Survey of Bank

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Norges Bank’s Survey of Bank Lending

2016 Q2

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-60 -40 -20 0 20 40 60

Q1 Q2 Q3 Q1 Q2 Q3 Q1 Q2 Q3 Q1 Q2 Q3 Q1 Q2 Q3 -60

-40 -20 0 20 40 60

Fixed-rate loans Residential

mortgages3)

Total First-home

mortgages Home equity

lines of credit

Chart 1 Household credit demand. Net balances

1), 2)

1) Net balances are calculated by weighting together the responses in the survey. The blue bars show

reported developments for the relevant quarter. The red diamonds show expected developments for that quarter.

As from 2015 Q2, there are nine banks in the sample and the weights are based on market shares in 2014.

2) Negative net balances denote falling demand.

3) Repayment loans secured on dwellings.

Source: Norges Bank

(3)

-60 -40 -20 0 20 40 60

Q1 Q2 Q3 Q1 Q2 Q3 Q1 Q2 Q3 Q1 Q2 Q3 Q1 Q2 Q3 Q1 Q2 Q3 -60

-40 -20 0 20 40 60

1) See footnote 1 in Chart 1.

2) Negative net balances denote tighter credit standards.

Source: Norges Bank

Credit standards2)

Economic outlook

Factors affecting credit standards

Chart 2 Change in credit standards for households. Factors affecting credit standards. Net balances

1)

Banks’ risk appetite

Capital adequacy First-home

mortgages

Funding

(4)

-60 -40 -20 0 20 40 60

Q1 Q2 Q3 Q1 Q2 Q3 Q1 Q2 Q3 Q1 Q2 Q3 Q1 Q2 Q3 -60

-40 -20 0 20 40

60

Maximum

loan-to-income ratio

Lending margins

Fees Maximum loan-

to-value ratio

1) See footnote 1 in Chart 1.

2) Positive net percentage balances for lending margins denote higher lending margins. Positive net percentage balances for lending margins and fees denote tighter credit standards. Negative net percentage balances for maximum LTI ratio, maximum LTV ratio and use of interest-only periods denote tighter credit standards.

Source: Norges Bank

Chart 3 Change in loan conditions for households. Net balances

1), 2)

Use of interest-only

periods

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Q1 Q2 Q3 Q1 Q2 Q3 Q1 Q2 Q3

-60 -40 -20 0 20 40 60

-60 -40 -20 0 20 40

60

Fixed-rate loans

1) See footnote 1 in Chart 1.

2) Positive net percentage balances denote increased demand or increased credit line utilisation rate.

Source: Norges Bank

Credit demand among non-financial enterprises

Credit line utilisation rate

Chart 4 Credit demand among non-financial enterprises and credit line

utilisation rate. Net balances

1), 2)

(6)

-60 -40 -20 0 20 40 60

Q1 Q2 Q3 Q1 Q2 Q3

-60 -40 -20 0 20 40 60

1) See footnote 1 in Chart 1.

2) Negative net balances denote tighter credit standards.

Source: Norges Bank

Total Commercial real estate

Chart 5 Change in credit standards for non-financial enterprises. Net

balances

1), 2)

(7)

-80 -60 -40 -20 0 20 40 60

Q1 Q2 Q3 Q1 Q2 Q3 Q1 Q2 Q3 Q1 Q2 Q3 Q1 Q2 Q3 Q1 Q2 Q3 -80

-60 -40 -20 0 20 40

60

Funding Capital

adequacy

1) See footnote 1 in Chart 1.

2) Negative net balances denote tighter credit standards.

Source: Norges Bank

Economic outlook

Banks’ risk appetite Sector-

specific outlook

Chart 6 Factors affecting credit standards for non-financial enterprises. Net balances

1), 2)

Market share objectives

(8)

-60 -40 -20 0 20 40 60 80

Q1 Q2 Q3 Q1 Q2 Q3 Q1 Q2 Q3 Q1 Q2 Q3 Q1 Q2 Q3 -60

-40 -20 0 20 40 60

80

Equity capital

requirements Lending

margins

Maximum loan maturity

1) See footnote 1 in Chart 1.

2) Positive net balances for lending margins denote higher lending margins. Positive

net balances for lending margins, collateral requirements, equity capital requirements and fees denote tighter credit standards. Negative net balances for maximum loan maturity denote tighter credit

standards.

Source: Norges Bank

Chart 7 Change in loan conditions for non-financial enterprises.

Net balances

1), 2)

Collateral requirements

Use of interest-only

periods

Referanser

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