Sector and loan type
Observed results in:
Change in credit standardsHide subtree Total evolution0012.5012.512.512.5012.5
Total evolutionShort-term loans0000012.52500
Long-term loans0025012.512.525012.5
Influence of cost of funds and balance sheet constraintsCosts related to your bank's capital positionInformation on item12.512.525025-12.5-12.500
Your bank's ability to access market financing (e.g. money or bond market financing, incl. true-sale securitisation)Information on item00000-12.5-12.500
Your bank's liquidity position00000-25-12.500
Influence of pressure from competitionCompetition from other banks00000-12.50012.5
Competition from non-banks000000000
Competition from market financing000000000
Influence of perception of riskExpectations regarding general economic activity0012.5252512.52512.50
Industry or firm-specific outlook0012.512.52512.512.500
Risk on the collateral demanded000000000
Influence of the risk tolerance000012.512.50012.5
Overall terms and conditions12.512.512.512.512.512.512.500
Price terms and conditionsYour bank's margin on average loans (wider margin = tightened, narrower margin = eased)12.512.512.52512.512.512.5-12.50
Your bank's margin on riskier loans12.512.512.5252512.512.500
Other terms and conditionsNon-interest rate charges12.512.512.5000000
Size of the loan or credit line0012.525012.5000
Collateral requirements0000002500
Loan covenants00000012.512.512.5
Change in demandHide subtree Total evolution12.50-12.50-12.5-12.5-12.5025
Total evolutionShort-term loans00-12.50500-12.5-12.512.5
Long-term loans12.50-12.50-12.5-25-25037.5
Influence of financing needsFixed investment12.5-12.5-12.50-25-12.5-25025
Inventories and working capital00005025-12.5025
Mergers/acquisitions and corporate restructuring12.50-12.5-12.5-25012.50-12.5
Debt restructuring12.50-12.512.537.512.512.512.5-12.5
General level of interest rates12.512.500-12.50000
Influence of the use of alternative financeInternal financing000000000
Loans from other banks000000000
Loans from non-banks0-12.5-12.50-12.50000
Issuance of debt securities000000000
Issuance of equity000000000
Data extracted on 18 Oct 2021 14:18 UTC (GMT) from NBB.Stat


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