NORGES BANK’S SURVEY OF BANK LENDING

Banks reported that total household credit demand slowed less sharply than expected in 2009 Q1 (see Chart 1). Banks expect total household demand for loans to increase in 2009

For both households and enterprises in Q3, banks expect minor changes in credit demand, credit standards, loan conditions and margins on loans.. Lending

Banks reported falling lending markets on household loans in both 2011 Q2 and 2011 Q3, while the expectation in the previous bank lending survey was for slightly higher

Banks reported that total household credit demand remained approximately unchanged in 2009 Q2 compared with 2009 Q1 (see Chart 1).. Total household credit demand thus increased less

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

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

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

Banks reported falling household credit demand in 2010  Q1  (see  Chart  1).  In  the  previous  quarter,  they  had  expected  broadly unchanged  demand  ahead.