Sector and loan type
Observed results in:
Change in credit standardsHide subtree Total evolution02512.50012.5012.512.5
Total evolutionShort-term loans02512.50000012.5
Long-term loans02512.50025012.512.5
Influence of cost of funds and balance sheet constraintsCosts related to your bank's capital positionInformation on item02512.512.512.525025-12.5
Your bank's ability to access market financing (e.g. money or bond market financing, incl. true-sale securitisation)Information on item012.5000000-12.5
Your bank's liquidity position012.5000000-25
Influence of pressure from competitionCompetition from other banks-25-25-12.500000-12.5
Competition from non-banks000000000
Competition from market financing000000000
Influence of perception of riskExpectations regarding general economic activity02500012.5252512.5
Industry or firm-specific outlook0000012.512.52512.5
Risk on the collateral demanded000000000
Influence of the risk tolerance000000012.512.5
Overall terms and conditions-12.50012.512.512.512.512.512.5
Price terms and conditionsYour bank's margin on average loans (wider margin = tightened, narrower margin = eased)-12.512.5012.512.512.52512.512.5
Your bank's margin on riskier loans-12.525012.512.512.5252512.5
Other terms and conditionsNon-interest rate charges0012.512.512.512.5000
Size of the loan or credit line0-12.5-12.50012.525012.5
Collateral requirements000000000
Loan covenants0-12.5-12.5000000
Change in demandHide subtree Total evolution37.512.5-2512.50-12.50-12.5-12.5
Total evolutionShort-term loans37.50-2500-12.50500
Long-term loans37.512.5-2512.50-12.50-12.5-25
Influence of financing needsFixed investment37.512.5-12.512.5-12.5-12.50-25-12.5
Inventories and working capital250-12.500005025
Mergers/acquisitions and corporate restructuring12.50-12.512.50-12.5-12.5-250
Debt restructuring12.50-12.512.50-12.512.537.512.5
General level of interest rates2512.5012.512.500-12.50
Influence of the use of alternative financeInternal financing000000000
Loans from other banks-12.500000000
Loans from non-banks0000-12.5-12.50-12.50
Issuance of debt securities000000000
Issuance of equity000000000
Data extracted on 02 Dec 2020 22:04 UTC (GMT) from NBB.Stat


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