methods, notes and classification Bank Lending Survey Statistics Methoden, Erläuterungen und Klassifizierung

    • Area
      • 00 Austria
      • 01 Belgium
      • 02 Cyprus
      • 03 Germany
      • 04 Estonia
      • 05 Spain
      • 06 Finland
      • 07 France
      • 08 Greece
      • 09 Croatia
      • 0a Ireland
      • 0b Italy
      • 0c Lithuania
      • 0d Luxembourg
      • 0e Latvia
      • 0f Malta
      • 0g Netherlands
      • 0h Portugal
      • 0i Slovenia
      • 0j Slovakia
      • 0k Euro area (changing composition)
    • Bank selection
      • 00 All banks
    • Bank lending survey item (survey question)
      • 00 Aggregate excess liquidity
      • 01 Covering acute liquidity needs
      • 02 Expanded asset purchase programme
      • 03 Risk weighted assets of which Average loans
      • 04 Impact of bank competition
      • 05 Bank deposit rate
      • 06 Bank deposit volume
      • 07 Impact on banks funding conditions
      • 08 Financial situation - ability to improve its profitability
      • 09 Bank lending margin
      • 0a Financial situation - liquidity position
      • 0b Bank lending rate
      • 0c Bank lending volume
      • 0d Financial situation - market financing conditions
      • 0e Financial situation - profitability
      • 0f Impact of cost of funds and balance sheet constraints
      • 0g Manufacturing
      • 0h Capital ratio
      • 0i Costs related to balance sheet clean-up operations
      • 0j Climate change impact
      • 0k Impact of consumer confidence
      • 0l Energy-intensive manufacturing
      • 0m Capital gains/losses
      • 0n Pressure from competition
      • 0o Impact of capital position
      • 0p Capital position of which Retained earnings
      • 0q Impact of consumption expenditure (mortgage equity withdrawal)
      • 0r Collateral requirements
      • 0s Impact of creditworthiness of borrower
      • 0t Impact of creditworthiness of consumers
      • 0u Impact of debt refinancing/restructuring/renegotiation
      • 0v Purchasing assets - Domestic sovereign bonds
      • 0w Impact of debt securities issuance
      • 0x Euro area sovereign bond holdings
      • 0y Excess liquidity
      • 0z Impact of equity issuance
      • 10 Financing via asset-backed securities
      • 11 Financing via covered bonds
      • 12 Fee and commissions
      • 13 Financing via equity issued
      • 14 Fiscal support
      • 15 Impact of fixed investment
      • 16 Financing via unsecured bank bonds
      • 17 Construction (eXcluding real estate)
      • 18 Wholesale and retail trade
      • 19 Impact of general economic activity
      • 1a Granting loans
      • 1b Impact of general level of interest rates
      • 1c Transport, accommodation and food (services)
      • 1d Impact of housing market prospects
      • 1e Services (H to N eXcluding financial services and real estate)
      • 1f Impact of internal financing
      • 1g Impact of industry or firm specific situation
      • 1h Impact of internal finance out of savings
      • 1i Impact of inventories and working capital
      • 1j Other services (Administration, scientific/technical, information and social)
      • 1k Real estate
      • 1l Commercial real estate
      • 1m Loan covenants
      • 1n Large enterprises
      • 1o Level of credit standards
      • 1p Leverage ratio
      • 1q Total assets of which liquid assets
      • 1r Holding liquidity with the Eurosystem
      • 1s Impact of loans from non-banks
      • 1t Impact of loans from other banks
      • 1u Impact of liquidity position
      • 1v Residential real estate
      • 1w Long-term loans
      • 1x Impact of loan to value ratio
      • 1y Impact of mergers and acquisitions and corporate restructuring
      • 1z Margin on average loans
      • 20 Impact of ability to access market financing
      • 21 Impact of market financing competition
      • 22 Margin on riskier loans
      • 23 Maturity
      • 24 Impact of non-bank competition
      • 25 Non interest rate charges, lending
      • 26 Non interest rate charges, deposits
      • 27 Net interest income
      • 28 Net interest income - Margin effect
      • 29 Net interest income - Volume effect
      • 2a Net interest margin
      • 2b Non-interest income
      • 2c Non-performing loan (NPL) ratio
      • 2d Overall
      • 2e First other factor (see OBS_COM)
      • 2f Second other factor (see OBS_COM)
      • 2g Third other factor (see OBS_COM)
      • 2h Purchasing assets - other financial assets
      • 2i Bank`s operating cost
      • 2j Impact of other sources of finance
      • 2k Other loan size limits
      • 2l First other factor for terms and conditions (see OBS_COM)
      • 2m Second other factor for terms and conditions (see OBS_COM)
      • 2n Third other factor for terms and conditions (see OBS_COM)
      • 2o Participation in the LTRO
      • 2p Physical risk
      • 2q Precautionary liquidity buffer
      • 2r Profitability reasons linked to attractive conditions
      • 2s Precautionary motive (to secure financing given the uncertainty on financial markets)
      • 2t Provisions and impairments
      • 2u Bank`s profitability target
      • 2v Pressure related to supervisory or regulatory requirements
      • 2w Impact of risk on the collateral demanded
      • 2x Fulfilment of regulatory and supervisory requirements
      • 2y Impact of regulatory and fiscal regime
      • 2z Perception of risk
      • 30 Risk weighted assets of which Riskier loans
      • 31 Impact of bank`s risk tolerance
      • 32 Risk weighted assets
      • 33 Impact of spending on durable consumer goods
      • 34 Refinancing - substituting deposit shortfalls
      • 35 Substituting existing loans
      • 36 Refinancing - substituting other Eurosystem liquidity operations
      • 37 Refinancing - substituting interbank lending
      • 38 Refinancing - substituting maturing debt securities
      • 39 Small- and medium-sized enterprises
      • 3a Refinancing - substituting TLTRO-II funding
      • 3b Short-term loans
      • 3c Size of loans
      • 3d Impact of financial and sovereign debt crisis 2009 onwards
      • 3e Total assets
      • 3f Impact of TLTRO - refers to TLTRO I (BLS rounds 2014Q4 - 2016Q1), TLTRO II (BLS rounds 2016Q3 - 2017Q3) and TLTRO III (BLS rounds 2020Q1 onwards)
      • 3g Not applicable
    • 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 Brown firms
      • 1 Consumer credit
      • 2 Debt securities - medium to long term (including covered bonds)
      • 3 Debt securities - short term (e.g. certificates of deposit or commercial paper)
      • 4 Green firms/enterprises
      • 5 Loans for house purchase
      • 6 Large enterprises
      • 7 Long-term loans
      • 8 Interbank unsecured money market - short-term (more than one week)
      • 9 Interbank unsecured money market - very short term (up to one week)
      • a Overall
      • b Other markets - product 1 (see OBS_COM)
      • c Other markets - product 2 (see OBS_COM)
      • d Other markets - product 3 (see OBS_COM)
      • e Retail long-term deposits
      • f Retail short-term deposits
      • g Securitisation of corporate loans
      • h Securitisation of loans for house purchase
      • i Small and medium-sized enterprises
      • j Short-term loans
      • k Ability to transfer credit risk off balance sheet
      • l Firms in transition
      • m Not applicable
    • 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 Number of numeric responses in range from 1 to 5
      • 05 Number of factor not applicable responses (observation value NC with observation status L)
      • 06 Weighted average
      • 07 Weighted diffusion index based on the share of each country in the total loan outstanding amounts of the area aggregate
      • 08 Weighted avg frequency of 1 responses (considerably tightened / strongly negative / not participated / will not participate)
      • 09 Weighted avg frequency of 2 responses (somewhat tightened / negative)
      • 0a Weighted avg frequency of 3 responses (basically unchanged / o / undecided)
      • 0b Weighted avg frequency of 4 responses (somewhat eased / positive)
      • 0c Weighted avg frequency of 5 responses (considerably eased / strongly positive / participated / will participate)
      • 0d Weighted avg frequency of 6 responses (tightest level)
      • 0e Weighted avg frequency of 7 responses (level remained constant)
      • 0f Weighted avg frequency of 8 responses (loosest level)
      • 0g Weighted avg frequency of not applicable responses
      • 0h 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
      • 0i Weighted standard deviation estimate