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Norges Bank’s Survey of Bank Lending

Explore charts showing household credit demand, loan repayment trends, credit standards, loan conditions, and factors affecting credit standards. Understand borrower behaviors and lending practices in Norway.

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Norges Bank’s Survey of Bank Lending

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  1. Norges Bank’s Survey of Bank Lending 2009 Q1

  2. Chart 1 Household credit demand. Net percentage balances1), 2) Total Repayment loans secured on dwellings Unsecured repayment loans Fixed-rate loans 1) Net percentage balances are calculated by weighting together the responses in the survey. The blue bars show developments over the past quarter. The red diamonds show expectations over the next quarter. The red diamonds have been moved forward one quarter 2) Negative net percentage balances indicate falling demand Source: Norges Bank

  3. Chart 2 Change in credit standards for approving loans to households. Factors affecting credit standards. Net percentage balances1) Credit standards2) Factors affecting credit standards Economic outlook Banks’ appetite for risk Funding 1) See footnote 1 in Chart 1 2) Negative net percentage balances indicate tighter credit standards Source: Norges Bank

  4. Chart 3 Change in loan conditions for households. Net percentage balances1), 2) Lending margins Maximum loan-to-income ratio Maximum loan-to-value ratio Interest-only periods 1) See footnote 1 in Chart 1 2) Positive net percentage balances for lending margins indicate higher lending margins and therefore tighter credit standards. Negative net percentage balances for maximum LTI ratio, maximum LTV ratio and use of interest-only periods indicate tighter credit standards Source: Norges Bank

  5. Chart 4 Credit demand from non-financial corporations and drawdowns of credit lines. Net percentage balances1), 2) Credit demand from non-financial corporations Drawdowns of credit lines 1) See footnote 1 in Chart 1 2) Positive net percentage balances indicate increased demand or increased drawdowns of credit lines Source: Norges Bank

  6. Chart 5 Change in credit standards for approving loans to non-financial corporations. Net percentage balances1), 2) Total Commercial real estate 1) See footnote 1 in Chart 1 2) Negative net percentage balances indicate tighter credit standards Source: Norges Bank

  7. Chart 6 Factors affecting credit standards for approving loans to non-financial corporations. Net percentage balances1), 2) Economic outlook Sector-specific outlook Banks’ appetite for risk Funding Capital-adequacy3) 1) See footnote 1 in Chart 1 2) Negative net percentage balances indicate that the factor has contributed to tighter credit standards 3) A new factor introduced in Q4 2008 Source: Norges Bank

  8. Chart 7 Change in loan conditions for non-financial corporations. Net percentage balances1), 2) Lending margins Equity requirements Collateral requirements Fees 1) See footnote 1 in Chart 1 2) Positive net percentage balances for lending margins indicate higher lending margins. Positive net percentage balances for lending margins, equity requirements, collateral requirements and fees indicate tighter credit standards Source: Norges Bank

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