Sector and loan type
Observed results in:
Change in credit standardsHide subtree Total evolution00-12.50000025
Total evolutionShort-term loans0000-12.500025
Long-term loans00-12.50-12.500025
Influence of cost of funds and balance sheet constraintsCosts related to your bank's capital positionInformation on item0000000025
Your bank's ability to access market financing (e.g. money or bond market financing, incl. true-sale securitisation)Information on item0000000012.5
Your bank's liquidity position00000-12.50012.5
Influence of pressure from competitionCompetition from other banks-25-25-37.5-25-12.5-25-37.5-25-25
Competition from non-banks000000000
Competition from market financing000000000
Influence of perception of riskExpectations regarding general economic activity00-12.50000025
Industry or firm-specific outlook00-12.5000000
Risk on the collateral demanded000000000
Influence of the risk tolerance00-12.5000000
Overall terms and conditions-12.5-12.5-12.5-12.50-12.5-12.5-12.50
Price terms and conditionsYour bank's margin on average loans (wider margin = tightened, narrower margin = eased)-50-50-25-37.5-25-37.5-37.5-12.512.5
Your bank's margin on riskier loans-12.5-25-12.5-12.5-25-12.5-12.5-12.525
Other terms and conditionsNon-interest rate charges-12.500000-12.500
Size of the loan or credit line-25-12.5-25-250-12.5-250-12.5
Collateral requirements-25-12.5-12.5-12.50-12.5000
Loan covenants-12.5-12.5-12.5-12.50-12.5-12.50-12.5
Change in demandHide subtree Total evolution12.5252512.512.52512.537.512.5
Total evolutionShort-term loans012.512.512.512.52512.537.50
Long-term loans25252512.512.5252537.512.5
Influence of financing needsFixed investment12.512.52512.512.50037.512.5
Inventories and working capital12.50002512.50250
Mergers/acquisitions and corporate restructuring2512.512.52512.5252512.50
Debt restructuring2525012.512.52512.512.50
General level of interest rates12.512.512.525025252512.5
Influence of the use of alternative financeInternal financing-12.500000000
Loans from other banks-12.5-12.50-12.50-12.5-12.5-12.50
Loans from non-banks000000000
Issuance of debt securities0000-12.50000
Issuance of equity000000000
Data extracted on 21 Feb 2019 14:14 UTC (GMT) from NBB.Stat


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