Sector and loan type
Observed results in:
Change in credit standardsHide subtree Total evolution00002512.50012.5
Total evolutionShort-term loans-12.50002512.5000
Long-term loans-12.50002512.50025
Influence of cost of funds and balance sheet constraintsCosts related to your bank's capital positionInformation on item00002512.512.512.525
Your bank's ability to access market financing (e.g. money or bond market financing, incl. true-sale securitisation)Information on item000012.50000
Your bank's liquidity position0-12.50012.50000
Influence of pressure from competitionCompetition from other banks-12.5-25-37.5-25-25-12.5000
Competition from non-banks000000000
Competition from market financing000000000
Influence of perception of riskExpectations regarding general economic activity00002500012.5
Industry or firm-specific outlook0000000012.5
Risk on the collateral demanded000000000
Influence of the risk tolerance000000000
Overall terms and conditions0-12.5-12.5-12.50012.512.512.5
Price terms and conditionsYour bank's margin on average loans (wider margin = tightened, narrower margin = eased)-25-37.5-37.5-12.512.5012.512.512.5
Your bank's margin on riskier loans-25-12.5-12.5-12.525012.512.512.5
Other terms and conditionsNon-interest rate charges00-12.50012.512.512.512.5
Size of the loan or credit line0-12.5-250-12.5-12.50012.5
Collateral requirements0-12.50000000
Loan covenants0-12.5-12.50-12.5-12.5000
Change in demandHide subtree Total evolution12.52512.537.512.5-2512.50-12.5
Total evolutionShort-term loans12.52512.537.50-2500-12.5
Long-term loans12.5252537.512.5-2512.50-12.5
Influence of financing needsFixed investment12.50037.512.5-12.512.5-12.5-12.5
Inventories and working capital2512.50250-12.5000
Mergers/acquisitions and corporate restructuring12.5252512.50-12.512.50-12.5
Debt restructuring12.52512.512.50-12.512.50-12.5
General level of interest rates025252512.5012.512.50
Influence of the use of alternative financeInternal financing000000000
Loans from other banks0-12.5-12.5-12.500000
Loans from non-banks0000000-12.5-12.5
Issuance of debt securities-12.500000000
Issuance of equity000000000
Data extracted on 04 Apr 2020 13:21 UTC (GMT) from NBB.Stat


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