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 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 Energy performance
  - 10 Investment into energy performance
  - 11 Impact of equity issuance
  - 12 Financing via asset-backed securities
  - 13 Financing via covered bonds
  - 14 Fee and commissions
  - 15 Financing via equity issued
  - 16 Fiscal support
  - 17 Impact of fixed investment
  - 18 Financing via unsecured bank bonds
  - 19 Construction (eXcluding real estate)
  - 1a Wholesale and retail trade
  - 1b Impact of general economic activity
  - 1c Granting loans
  - 1d Impact of general level of interest rates
  - 1e High energy performance
  - 1f Transport, accommodation and food (services)
  - 1g Impact of housing market prospects
  - 1h Services (H to N eXcluding financial services and real estate)
  - 1i Impact of internal financing
  - 1j Impact of industry or firm specific situation
  - 1k Impact of internal finance out of savings
  - 1l Impact of inventories and working capital
  - 1m Other services (Administration, scientific/technical, information and social)
  - 1n Real estate
  - 1o Commercial real estate
  - 1p Loan covenants
  - 1q Large enterprises
  - 1r Poor/low energy performance
  - 1s Level of credit standards
  - 1t Leverage ratio
  - 1u Total assets of which liquid assets
  - 1v Holding liquidity with the Eurosystem
  - 1w Impact of loans from non-banks
  - 1x Impact of loans from other banks
  - 1y Impact of liquidity position
  - 1z Residential real estate
  - 20 Long-term loans
  - 21 Impact of loan to value ratio
  - 22 Impact of mergers and acquisitions and corporate restructuring
  - 23 Margin on average loans
  - 24 Reasonably good/medium energy performance
  - 25 Impact of ability to access market financing
  - 26 Impact of market financing competition
  - 27 Margin on riskier loans
  - 28 Maturity
  - 29 Impact of non-bank competition
  - 2a Non interest rate charges, lending
  - 2b Non interest rate charges, deposits
  - 2c Net interest income
  - 2d Net interest income - Margin effect
  - 2e Net interest income - Volume effect
  - 2f Net interest margin
  - 2g Non-interest income
  - 2h Non-performing loan (NPL) ratio
  - 2i Overall
  - 2j First other factor (see OBS_COM)
  - 2k Second other factor (see OBS_COM)
  - 2l Third other factor (see OBS_COM)
  - 2m Purchasing assets - other financial assets
  - 2n Bank`s operating cost
  - 2o Impact of other sources of finance
  - 2p Other loan size limits
  - 2q First other factor for terms and conditions (see OBS_COM)
  - 2r Second other factor for terms and conditions (see OBS_COM)
  - 2s Third other factor for terms and conditions (see OBS_COM)
  - 2t Participation in the LTRO
  - 2u Physical risk
  - 2v Investment into the reduction of physical risk
  - 2w Precautionary liquidity buffer
  - 2x Profitability reasons linked to attractive conditions
  - 2y Precautionary motive (to secure financing given the uncertainty on financial markets)
  - 2z Provisions and impairments
  - 30 Bank`s profitability target
  - 31 Pressure related to supervisory or regulatory requirements
  - 32 Impact of risk on the collateral demanded
  - 33 Fulfilment of regulatory and supervisory requirements
  - 34 Impact of regulatory and fiscal regime
  - 35 Prevailing regulation
  - 36 Perception of risk
  - 37 Risk weighted assets of which Riskier loans
  - 38 Impact of bank`s risk tolerance
  - 39 Risk weighted assets
  - 3a Impact of spending on durable consumer goods
  - 3b Refinancing - substituting deposit shortfalls
  - 3c Substituting existing loans
  - 3d Refinancing - substituting other Eurosystem liquidity operations
  - 3e Refinancing - substituting interbank lending
  - 3f Refinancing - substituting maturing debt securities
  - 3g Small- and medium-sized enterprises
  - 3h Refinancing - substituting TLTRO-II funding
  - 3i Short-term loans
  - 3j Size of loans
  - 3k Impact of financial and sovereign debt crisis 2009 onwards
  - 3l Total assets
  - 3m Impact of TLTRO - refers to TLTRO I (BLS rounds 2014Q4 - 2016Q1), TLTRO II (BLS rounds 2016Q3 - 2017Q3) and TLTRO III (BLS rounds 2020Q1 onwards)
  - 3n Uncertainty about future regulation
  - 3o 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

Bank Lending Survey Statistics methods, notes and classification

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