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Norges Bank’s Survey of Bank Lending

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Norges Bank’s Survey of Bank Lending

2015 Q3

(2)

Q2 Q3 Q4 Q2 Q3 Q4 Q2 Q3 Q4 Q2 Q3 Q4 Q2 Q3 Q4

-30 -10 10 30 50 70 90

-30 -10 10 30 50 70

Fixed-rate

90

loans Residential

mortgages3)

Total First-home

mortgages Home equity

lines of credit

Chart 1 Household credit demand. Net percentage balances

1), 2)

1) Net percentage balances are calculated by weighting together the responses in the survey. The blue bars show

reported developments for the relevant quarter. The red diamonds show expected developments for that quarter.

2) Negative net percentage balances denote falling demand.

3) Repayment loans secured on dwellings.

Source: Norges Bank

(3)

Q2 Q3 Q4 Q2 Q3 Q4 Q2 Q3 Q4 Q2 Q3 Q4 Q2 Q3 Q4 Q2 Q3 Q4 -60

-40 -20 0 20 40 60

-60 -40 -20 0 20 40 60

1) See footnote 1 in Chart 1.

2) Negative net percentage balances denote tighter credit standards.

Source: Norges Bank

Credit standards2)

Economic outlook

Factors affecting credit standards

Chart 2 Change in credit standards for households. Factors affecting credit standards. Net percentage balances

1)

Banks’ risk

appetite Capital adequacy First-home

mortgages

Funding

(4)

Q2 Q3 Q4 Q2 Q3 Q4 Q2 Q3 Q4 Q2 Q3 Q4 Q2 Q3 Q4

-60 -40 -20 0 20 40 60

-60 -40 -20 0 20 40

Maximum

60

loan-to- income ratio Lending

margins

Fees Maximum

loan-to-value ratio

1) See footnote 1 in Chart 1.

2) Positive net percentage balances for lending margins denote higher lending margins.

Positive

net percentage balances for lending margins and fees denote tighter credit standards.

Negative net

percentage balances for maximum LTI ratio, maximum LTV ratio and use of interest- only periods

denote tighter credit standards.

Source: Norges Bank

Chart 3 Change in loan conditions for households. Net percentage balances

1), 2)

Use of interest-only

periods

(5)

Q2 Q3 Q4 Q2 Q3 Q4 Q2 Q3 Q4

-60 -40 -20 0 20 40 60

-60 -40 -20 0 20 40

Fixed-rate loans

60

1) See footnote 1 in Chart 1.

2) Positive net percentage balances denote increased demand or increased credit line utilisation rate.

Source: Norges Bank

Credit demand among non-financial

enterprises

Credit line utilisation rate

Chart 4 Credit demand among non-financial enterprises and credit

line utilisation rate. Net percentage balances

1), 2)

(6)

Q2 Q3 Q4 Q2 Q3 Q4

-60 -40 -20 0 20 40 60

-60 -40 -20 0 20 40 60

1) See footnote 1 in Chart 1.

2) Negative net percentage balances denote tighter credit standards.

Source: Norges Bank

Total Commercial real estate

Chart 5 Change in credit standards for non-financial enterprises.

Net percentage balances

1), 2)

(7)

Q2 Q3 Q4 Q2 Q3 Q4 Q2 Q3 Q4 Q2 Q3 Q4 Q2 Q3 Q4 Q2 Q3 Q4

-60 -40 -20 0 20 40 60

-60 -40 -20 0 20 40

Funding Capital ad-

60

equacy

1) See footnote 1 in Chart 1.

2) Negative net percentage balances denote tighter credit standards.

Source: Norges Bank Economic

outlook

Banks’ risk appetite Sector-

specific outlook

Chart 6 Factors affecting credit standards for non-financial enterprises. Net percentage balances

1), 2)

Market share objectives

(8)

Q2 Q3 Q4 Q2 Q3 Q4 Q2 Q3 Q4 Q2 Q3 Q4 Q2 Q3 Q4

-60 -40 -20 0 20 40 60

-60 -40 -20 0 20 40

Equity capital

60

requirements Lending

margins

Maximum loan maturity

1) See footnote 1 in Chart 1.

2) Positive net percentage balances for lending margins denote higher lending margins.

Positive

net percentage balances for lending margins, collateral requirements, equity capital

requirements and fees denote tighter credit standards. Negative net percentage balances for maximum loan maturity denote tighter credit standards.

Source: Norges Bank

Chart 7 Change in loan conditions for non-financial enterprises.

Net percentage balances

1), 2)

Collateral

requirements Use of

interest-only periods

Referanser

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