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

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 

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

Looking ahead, banks expect household credit demand to remain broadly unchanged overall, but anticipate a continued fall in demand for home equity lines of credit and

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

Banks report little change in credit standards for households in Q1, as expected (Chart 2), and no substantial changes are expected in Q2.. Banks report that margins on lending