Sector and loan type
Observed results in:
Change in credit standardsHide subtree Total evolution0-12.5000002512.5
Total evolutionShort-term loans000-12.50002512.5
Long-term loans0-12.50-12.50002512.5
Influence of cost of funds and balance sheet constraintsCosts related to your bank's capital positionInformation on item00000002512.5
Your bank's ability to access market financing (e.g. money or bond market financing, incl. true-sale securitisation)Information on item000000012.50
Your bank's liquidity position0000-12.50012.50
Influence of pressure from competitionCompetition from other banks-25-37.5-25-12.5-25-37.5-25-25-12.5
Competition from non-banks000000000
Competition from market financing000000000
Influence of perception of riskExpectations regarding general economic activity0-12.500000250
Industry or firm-specific outlook0-12.50000000
Risk on the collateral demanded000000000
Influence of the risk tolerance0-12.50000000
Overall terms and conditions-12.5-12.5-12.50-12.5-12.5-12.500
Price terms and conditionsYour bank's margin on average loans (wider margin = tightened, narrower margin = eased)-50-25-37.5-25-37.5-37.5-12.512.50
Your bank's margin on riskier loans-25-12.5-12.5-25-12.5-12.5-12.5250
Other terms and conditionsNon-interest rate charges00000-12.50012.5
Size of the loan or credit line-12.5-25-250-12.5-250-12.5-12.5
Collateral requirements-12.5-12.5-12.50-12.50000
Loan covenants-12.5-12.5-12.50-12.5-12.50-12.5-12.5
Change in demandHide subtree Total evolution252512.512.52512.537.512.5-25
Total evolutionShort-term loans12.512.512.512.52512.537.50-25
Long-term loans252512.512.5252537.512.5-25
Influence of financing needsFixed investment12.52512.512.50037.512.5-12.5
Inventories and working capital0002512.50250-12.5
Mergers/acquisitions and corporate restructuring12.512.52512.5252512.50-12.5
Debt restructuring25012.512.52512.512.50-12.5
General level of interest rates12.512.525025252512.50
Influence of the use of alternative financeInternal financing000000000
Loans from other banks-12.50-12.50-12.5-12.5-12.500
Loans from non-banks000000000
Issuance of debt securities000-12.500000
Issuance of equity000000000
Data extracted on 18 Jun 2019 03:29 UTC (GMT) from NBB.Stat


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