ECONOMIC COMMENTARIES

The chart shows that large Norwegian banks lend more than they borrow through currency swaps, but that they borrow more than they lend through unsecured transactions..

Banks continued to tighten credit standards for corporate loans in 2008 Q2. Tightening of lending standards for the commercial real estate sector was considerable compared with

The funding situation and the economic outlook contributed most to the tightening of banks’ credit standards (see Chart 6). All the factors contributed to a greater extent

Banks expect approximately unchanged household credit demand and somewhat higher corporate credit demand.. Lending margins on both household and corporate loans have fallen

Banks reported tighter loan conditions for maximum loan-to-income and loan-to-value ratios and for interest-only periods in Q3 (Chart 3). Banks reported lower

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

Banks report a slight tightening of credit standards for households in Q1 (see Chart 2), primarily due to the need to increase capital adequacy ratios.. For the first