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,

Banks also reported somewhat higher funding costs and a slight fall in household and corporate lending margins.. Lending

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

In the period ahead, banks expect broadly unchanged credit standards for both households and enterprises.. Participating banks were asked to assess developments in credit

Banks reported that total household credit demand slowed in 2008 Q4 compared with 2008 Q3 (see Chart 1). The fall in demand was somewhat sharper than expected. Banks expect

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

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 reported tighter loan conditions for maximum loan-to-income and loan-to-value ratios and for interest-only periods in Q3 (Chart 3). Banks reported lower