Bank Lending Survey Statistics

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- 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 Expanded asset purchase programme
  - 01 Risk weighted assets of which Average loans
  - 02 Impact of bank competition
  - 03 Bank deposit rate
  - 04 Bank deposit volume
  - 05 Impact on banks funding conditions
  - 06 Financial situation - ability to improve its profitability
  - 07 Bank lending margin
  - 08 Financial situation - liquidity position
  - 09 Bank lending rate
  - 0a Bank lending volume
  - 0b Financial situation - market financing conditions
  - 0c Financial situation - profitability
  - 0d Impact of cost of funds and balance sheet constraints
  - 0e Manufacturing
  - 0f Capital ratio
  - 0g Costs related to balance sheet clean-up operations
  - 0h Impact of consumer confidence
  - 0i Capital gains/losses
  - 0j Pressure from competition
  - 0k Impact of capital position
  - 0l Capital position of which Retained earnings
  - 0m Impact of consumption expenditure (mortgage equity withdrawal)
  - 0n Collateral requirements
  - 0o Impact of creditworthiness of borrower
  - 0p Impact of creditworthiness of consumers
  - 0q Impact of debt refinancing/restructuring/renegotiation
  - 0r Purchasing assets - Domestic sovereign bonds
  - 0s Impact of debt securities issuance
  - 0t Euro area sovereign bond holdings
  - 0u Impact of equity issuance
  - 0v Financing via asset-backed securities
  - 0w Financing via covered bonds
  - 0x Financing via equity issued
  - 0y Impact of fixed investment
  - 0z Financing via unsecured bank bonds
  - 10 Construction (eXcluding real estate)
  - 11 Wholesale and retail trade
  - 12 Impact of general economic activity
  - 13 Granting loans
  - 14 Impact of general level of interest rates
  - 15 Impact of housing market prospects
  - 16 Services (H to N eXcluding financial services and real estate)
  - 17 Impact of internal financing
  - 18 Impact of industry or firm specific situation
  - 19 Impact of internal finance out of savings
  - 1a Impact of inventories and working capital
  - 1b Real estate
  - 1c Commercial real estate
  - 1d Loan covenants
  - 1e Large enterprises
  - 1f Level of credit standards
  - 1g Leverage ratio
  - 1h Total assets of which liquid assets
  - 1i Holding liquidity with the Eurosystem
  - 1j Impact of loans from non-banks
  - 1k Impact of loans from other banks
  - 1l Impact of liquidity position
  - 1m Residential real estate
  - 1n Long-term loans
  - 1o Impact of loan to value ratio
  - 1p Impact of mergers and acquisitions and corporate restructuring
  - 1q Margin on average loans
  - 1r Impact of ability to access market financing
  - 1s Impact of market financing competition
  - 1t Margin on riskier loans
  - 1u Maturity
  - 1v Impact of non-bank competition
  - 1w Non interest rate charges, lending
  - 1x Non interest rate charges, deposits
  - 1y Net interest income
  - 1z Net interest margin
  - 20 Non-performing loan (NPL) ratio
  - 21 Overall
  - 22 First other factor (see OBS_COM)
  - 23 Second other factor (see OBS_COM)
  - 24 Third other factor (see OBS_COM)
  - 25 Purchasing assets - other financial assets
  - 26 Bank`s operating cost
  - 27 Impact of other sources of finance
  - 28 Other loan size limits
  - 29 First other factor for terms and conditions (see OBS_COM)
  - 2a Second other factor for terms and conditions (see OBS_COM)
  - 2b Third other factor for terms and conditions (see OBS_COM)
  - 2c Participation in the LTRO
  - 2d Profitability reasons linked to attractive conditions
  - 2e Precautionary motive (to secure financing given the uncertainty on financial markets)
  - 2f Bank`s profitability target
  - 2g Pressure related to supervisory or regulatory requirements
  - 2h Impact of risk on the collateral demanded
  - 2i Fulfilment of regulatory and supervisory requirements
  - 2j Impact of regulatory and fiscal regime
  - 2k Perception of risk
  - 2l Risk weighted assets of which Riskier loans
  - 2m Impact of bank`s risk tolerance
  - 2n Risk weighted assets
  - 2o Impact of spending on durable consumer goods
  - 2p Refinancing - substituting deposit shortfalls
  - 2q Refinancing - substituting other Eurosystem liquidity operations
  - 2r Refinancing - substituting interbank lending
  - 2s Refinancing - substituting maturing debt securities
  - 2t Small- and medium-sized enterprises
  - 2u Refinancing - substituting TLTRO-II funding
  - 2v Short-term loans
  - 2w Size of loans
  - 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
  - 0g Weighted standard deviation estimate

Bank Lending Survey Statistics methods, notes and classification

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