2x Impact of financial and sovereign debt crisis 2009 onwards
2y Total assets
2z Impact of TLTRO - refers to TLTRO I (BLS rounds 2014Q4 - 2016Q1), TLTRO II (BLS rounds 2016Q3 - 2017Q3) and TLTRO III (BLS rounds 2020Q1 onwards)
30 Not applicable
31 Covering acute liquidity needs
32 Precautionary liquidity buffer
33 Substituting existing loans
34 Energy-intensive manufacturing
35 Net interest income - Margin effect
36 Net interest income - Volume effect
37 Non-interest income
38 Fee and commissions
39 Provisions and impairments
3a Physical risk
3b Fiscal support
3c Climate change impact
3d Excess liquidity
Bank lending survey contract counterpart
0 Banks
1 Enterprise
2 Household
3 Non-financial private sector (Households and NFCs)
4 Not applicable
Bank lending survey counterpart motivation
0 Consumer credit
1 Debt securities - medium to long term (including covered bonds)
2 Debt securities - short term (e.g. certificates of deposit or commercial paper)
3 Loans for house purchase
4 Large enterprises
5 Interbank unsecured money market - short-term (more than one week)
6 Interbank unsecured money market - very short term (up to one week)
7 Overall
8 Other markets - product 1 (see OBS_COM)
9 Other markets - product 2 (see OBS_COM)
a Other markets - product 3 (see OBS_COM)
b Retail long-term deposits
c Retail short-term deposits
d Securitisation of corporate loans
e Securitisation of loans for house purchase
f Small and medium-sized enterprises
g Ability to transfer credit risk off balance sheet
h Not applicable
i Brown firms
j Green firms/enterprises
k Firms in transition
l Short-term loans
m Long-term loans
Time horizon
0 Last 12 months
1 Backward looking three months
2 Backward looking six months
3 Forward looking twelve months
4 Forward looking three months
5 Forward looking six months
6 Future TLTROs
7 Next to last TLTRO-III operation
8 Most recent TLTRO
9 From 1st quarter 2003 to present
a From 2nd quarter 2010 to present
b From 2014 to 2017
c Over the first half of 2020
Effect domain
0 Expanded asset purchase programme
1 CRR/CRD IV
2 CRR/CRD IV, effect on credit margins
3 Negative deposit facility rate
4 Margins on average loans
5 Level of bank`s loan margins
6 Margins on riskier loans
7 NPL impact on lending policy
8 Share of rejected loan application
9 Credit standards
a TLTRO III
b Credit terms and conditions
c Two tier system
d Not applicable
e Credit standards on loans on loans with COVID-19 related government guarantees
f Credit terms and conditions on loans with COVID-19 related government guarantees
g Demand for loans with COVID-19 related government guarantees
h Credit standards on loans without government guarantees
i Credit terms and conditions on loans without government guarantees
j Demand for loans without government guarantees
k Monetary Policy rates
l Climate change impact
m Bank lending volume
Market role
0 Loan demand
1 Loan supply
Bank lending survey aggregation method
00 Diffusion index weighted with the share of each bank in the total loan outstanding amount of the banks in the BLS sample
01 Weighted net percentage (tightened minus eased or reverse), based on the share of each bank in the total loan outstanding amount of the banks in the BLS sample
02 Diffusion index
03 Net percentage (frequency of tightened minus that of eased or reverse)
04 Weighted average
05 Weighted diffusion index based on the share of each country in the total loan outstanding amounts of the area aggregate
06 Weighted avg frequency of 1 responses (considerably tightened / strongly negative / not participated / will not participate)
07 Weighted avg frequency of 2 responses (somewhat tightened / negative)
08 Weighted avg frequency of 3 responses (basically unchanged / o / undecided)
09 Weighted avg frequency of 4 responses (somewhat eased / positive)
0a Weighted avg frequency of 5 responses (considerably eased / strongly positive / participated / will participate)
0b Weighted avg frequency of 6 responses (tightest level)
0c Weighted avg frequency of 7 responses (level remained constant)
0d Weighted avg frequency of 8 responses (loosest level)
0e Weighted avg frequency of not applicable responses
0f Weighted net percentage (tightened minus eased or reverse) based on the share of each country in the total loan outstanding amounts of the area aggregate