Norges Bank’s Survey of Bank Lending

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,

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

Banks do not expect any changes in credit standards, loan conditions, lending rates, margins on loans or corporate credit demand in 2017 Q4.. Household credit demand is expected

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

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

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

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