1 / 8

Norges Bank’s Survey of Bank Lending

Norges Bank’s Survey of Bank Lending. 2010 Q2. Chart 1 Household credit demand . Net percentage balances. 1), 2). Total. Repayment loans secured on dwellings 3 ). Home equity lines of credit. Fixed-rate loans.

brennan-lopez
Download Presentation

Norges Bank’s Survey of Bank Lending

An Image/Link below is provided (as is) to download presentation Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author. Content is provided to you AS IS for your information and personal use only. Download presentation by click this link. While downloading, if for some reason you are not able to download a presentation, the publisher may have deleted the file from their server. During download, if you can't get a presentation, the file might be deleted by the publisher.

E N D

Presentation Transcript

  1. Norges Bank’sSurvey of Bank Lending 2010 Q2

  2. Chart 1Householdcreditdemand. Net percentage balances.1), 2) Total Repaymentloanssecuredon dwellings3) Home equity lines ofcredit Fixed-rateloans 1) Net percentagebalancesarecalculated by weightingtogethertheresponses in the survey. The blue bars show developments over thepastquarter. The red diamonds show expectations over thenextquarter. The red diamonds have beenmoved forward onequarter 2) Negative netpercentagebalancesdenote falling demand Source: Norges Bank

  3. Chart 2 Change in credit standards for households. Factorsaffectingcredit standards. Net percentage balances1) Credit standards 2) Factorsaffectingcredit standards Banks’ risk appetite Economicoutlook Market shareobjectives Funding 1) Seefootnote 1 in Chart 1 2) Negative netpercentagebalancesdenotetightercredit standards Source: Norges Bank

  4. Chart 3Change in loanconditions for households. Net percentage balances1), 2) Maximumloan-to-income ratio Lending margins Maximumloan-to-value ratio Fees 1) Seefootnote 1 in Chart 1 2) Positive netpercentagebalances for lending margins indicatehigherlending margins. Positive netpercentagebalances for lending margins and feesdenotetightercredit standards. Negative net percentagebalances for maximum LTI ratio and maximum LTV ratio denotetightercredit standards Source: Norges Bank

  5. Chart 4 Credit demandamongnon-financialcorporations and drawdownsoncredit lines. Net percentage balances1), 2) Credit demandamongnon-financialcorporations Drawdownsoncredit lines 1) Seefootnote 1 in Chart 1 2) Positive netpercentagebalancesdenoteincreaseddemand or increaseddrawdownsoncredit lines Source: Norges Bank

  6. Chart 5 Change in credit standards for non-financialcorporations. Net percentage balances1), 2) Total Commercial real estate 1)Seefootnote 1 in Chart 1 2) Negative netpercentagebalancesdenotetightercredit standards Source: Norges Bank

  7. Chart 6 Factorsaffectingcredit standards for non-financialcorporations. Net percentage balances1), 2) Economicoutlook Sector-specificoutlook Market shareobjectives Banks’ risk appetite Funding Capital adequacy 1) Seefootnote 1 in Chart 1 2) Negative netpercentagebalancesdenotethatthefactor has contributed to tightercredit standards Source: Norges Bank

  8. Chart 7Change in loanconditions for non-financialcorporations. Net percentage balances1), 2) Lending margins Equitycapitalrequirements Collateralrequirements Fees 1) Seefootnote 1 in Chart 1 2) Positive netpercentagebalances for lending margins denotehigherlending margins. Positive netpercentagebalances for lending margins, equitycapitalrequirements, collateral requirements and feesdenotetightercredit standards Source: Norges Bank

More Related