Sector and loan type
Observed results in:
Change in credit standardsHide subtree Total evolution002512.50012.5012.5
Total evolutionShort-term loans002512.500000
Long-term loans002512.50025012.5
Influence of cost of funds and balance sheet constraintsCosts related to your bank's capital positionInformation on item002512.512.512.525025
Your bank's ability to access market financing (e.g. money or bond market financing, incl. true-sale securitisation)Information on item0012.5000000
Your bank's liquidity position0012.5000000
Influence of pressure from competitionCompetition from other banks-37.5-25-25-12.500000
Competition from non-banks000000000
Competition from market financing000000000
Influence of perception of riskExpectations regarding general economic activity002500012.52525
Industry or firm-specific outlook00000012.512.525
Risk on the collateral demanded000000000
Influence of the risk tolerance0000000012.5
Overall terms and conditions-12.5-12.50012.512.512.512.512.5
Price terms and conditionsYour bank's margin on average loans (wider margin = tightened, narrower margin = eased)-37.5-12.512.5012.512.512.52512.5
Your bank's margin on riskier loans-12.5-12.525012.512.512.52525
Other terms and conditionsNon-interest rate charges-12.50012.512.512.512.500
Size of the loan or credit line-250-12.5-12.50012.5250
Collateral requirements000000000
Loan covenants-12.50-12.5-12.500000
Change in demandHide subtree Total evolution12.537.512.5-2512.50-12.50-12.5
Total evolutionShort-term loans12.537.50-2500-12.5050
Long-term loans2537.512.5-2512.50-12.50-12.5
Influence of financing needsFixed investment037.512.5-12.512.5-12.5-12.50-25
Inventories and working capital0250-12.5000050
Mergers/acquisitions and corporate restructuring2512.50-12.512.50-12.5-12.5-25
Debt restructuring12.512.50-12.512.50-12.512.537.5
General level of interest rates252512.5012.512.500-12.5
Influence of the use of alternative financeInternal financing000000000
Loans from other banks-12.5-12.50000000
Loans from non-banks00000-12.5-12.50-12.5
Issuance of debt securities000000000
Issuance of equity000000000
Data extracted on 24 Sep 2020 01:12 UTC (GMT) from NBB.Stat


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