Sector and loan type
Observed results in:
Change in credit standardsHide subtree Total evolution000002512.500
Total evolutionShort-term loans0-12.50002512.500
Long-term loans0-12.50002512.500
Influence of cost of funds and balance sheet constraintsCosts related to your bank's capital positionInformation on item000002512.512.512.5
Your bank's ability to access market financing (e.g. money or bond market financing, incl. true-sale securitisation)Information on item0000012.5000
Your bank's liquidity position00-12.50012.5000
Influence of pressure from competitionCompetition from other banks-25-12.5-25-37.5-25-25-12.500
Competition from non-banks000000000
Competition from market financing000000000
Influence of perception of riskExpectations regarding general economic activity0000025000
Industry or firm-specific outlook000000000
Risk on the collateral demanded000000000
Influence of the risk tolerance000000000
Overall terms and conditions-12.50-12.5-12.5-12.50012.512.5
Price terms and conditionsYour bank's margin on average loans (wider margin = tightened, narrower margin = eased)-37.5-25-37.5-37.5-12.512.5012.512.5
Your bank's margin on riskier loans-12.5-25-12.5-12.5-12.525012.512.5
Other terms and conditionsNon-interest rate charges000-12.50012.512.512.5
Size of the loan or credit line-250-12.5-250-12.5-12.500
Collateral requirements-12.50-12.5000000
Loan covenants-12.50-12.5-12.50-12.5-12.500
Change in demandHide subtree Total evolution12.512.52512.537.512.5-2512.50
Total evolutionShort-term loans12.512.52512.537.50-2500
Long-term loans12.512.5252537.512.5-2512.50
Influence of financing needsFixed investment12.512.50037.512.5-12.512.5-12.5
Inventories and working capital02512.50250-12.500
Mergers/acquisitions and corporate restructuring2512.5252512.50-12.512.50
Debt restructuring12.512.52512.512.50-12.512.50
General level of interest rates25025252512.5012.512.5
Influence of the use of alternative financeInternal financing000000000
Loans from other banks-12.50-12.5-12.5-12.50000
Loans from non-banks00000000-12.5
Issuance of debt securities0-12.50000000
Issuance of equity000000000
Data extracted on 11 Dec 2019 14:24 UTC (GMT) from NBB.Stat


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