| Change in credit standards |  Total evolution | | 12.5 | 0 | 12.5 | 12.5 | 12.5 | 0 | 12.5 | 25 | 0 |
| Total evolution | Short-term loans | | 0 | 0 | 0 | 12.5 | 25 | 0 | 0 | 12.5 | 0 |
| Long-term loans | | 25 | 0 | 12.5 | 12.5 | 25 | 0 | 12.5 | 25 | 0 |
| Influence of cost of funds and balance sheet constraints | Costs related to your bank's capital position | | 25 | 0 | 25 | -12.5 | -12.5 | 0 | 0 | 0 | 0 |
| Your bank's ability to access market financing (e.g. money or bond market financing, incl. true-sale securitisation) | | 0 | 0 | 0 | -12.5 | -12.5 | 0 | 0 | 0 | 0 |
| Your bank's liquidity position | | 0 | 0 | 0 | -25 | -12.5 | 0 | 0 | 0 | 0 |
| Influence of pressure from competition | Competition from other banks | | 0 | 0 | 0 | -12.5 | 0 | 0 | 12.5 | -12.5 | 0 |
| Competition from non-banks | | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Competition from market financing | | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Influence of perception of risk | Expectations regarding general economic activity | | 12.5 | 25 | 25 | 12.5 | 25 | 12.5 | 0 | 0 | 0 |
| Industry or firm-specific outlook | | 12.5 | 12.5 | 25 | 12.5 | 12.5 | 0 | 0 | 0 | 0 |
| Risk on the collateral demanded | | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Influence of the risk tolerance | | 0 | 0 | 12.5 | 12.5 | 0 | 0 | 12.5 | 25 | 0 |
| Overall terms and conditions | | 12.5 | 12.5 | 12.5 | 12.5 | 12.5 | 0 | 0 | 25 | -12.5 |
| Price terms and conditions | Your bank's margin on average loans (wider margin = tightened, narrower margin = eased) | | 12.5 | 25 | 12.5 | 12.5 | 12.5 | -12.5 | 0 | 0 | 0 |
| Your bank's margin on riskier loans | | 12.5 | 25 | 25 | 12.5 | 12.5 | 0 | 0 | 0 | 0 |
| Other terms and conditions | Non-interest rate charges | | 12.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Size of the loan or credit line | | 12.5 | 25 | 0 | 12.5 | 0 | 0 | 0 | 0 | -12.5 |
| Collateral requirements | | 0 | 0 | 0 | 0 | 25 | 0 | 0 | 12.5 | 0 |
| Loan covenants | | 0 | 0 | 0 | 0 | 12.5 | 12.5 | 12.5 | 0 | -12.5 |
| Maturity | | 0 | 0 | 0 | 0 | 0 | 0 | 12.5 | 25 | 0 |
| Change in demand | Total evolution | | -12.5 | 0 | -12.5 | -12.5 | -12.5 | 0 | 25 | 12.5 | 0 |
| Total evolution | Short-term loans | | -12.5 | 0 | 50 | 0 | -12.5 | -12.5 | 12.5 | -12.5 | 0 |
| Long-term loans | | -12.5 | 0 | -12.5 | -25 | -25 | 0 | 37.5 | 12.5 | 0 |
| Influence of financing needs | Fixed investment | | -12.5 | 0 | -25 | -12.5 | -25 | 0 | 25 | 12.5 | 12.5 |
| Inventories and working capital | | 0 | 0 | 50 | 25 | -12.5 | 0 | 25 | 25 | 12.5 |
| Mergers/acquisitions and corporate restructuring | | -12.5 | -12.5 | -25 | 0 | 12.5 | 0 | -12.5 | -12.5 | 0 |
| Debt restructuring | | -12.5 | 12.5 | 37.5 | 12.5 | 12.5 | 12.5 | -12.5 | 0 | 12.5 |
| General level of interest rates | | 0 | 0 | -12.5 | 0 | 0 | 0 | 0 | 0 | 0 |
| Influence of the use of alternative finance | Internal financing | | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Loans from other banks | | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -12.5 |
| Loans from non-banks | | -12.5 | 0 | -12.5 | 0 | 0 | 0 | 0 | 0 | 0 |
| Issuance of debt securities | | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Issuance of equity | | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |