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

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

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

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

Even  though  banks  stated  that  credit  standards  for  enterprises  were  approximately  unchanged,  some  factors  were  reported  to  have  a  slightly  negative 

Banks expect overall corporate credit demand to remain unchanged in 2012 Q3, but the utilisation rate of credit lines is expected to increase. In the previous quarter,

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