Bank Lending Survey Statistics - BLS

Frequency (1)

• [Q] Quarterly (20038)

Reference area (22)

• [AT] Austria (561)
• [BE] Belgium (561)
• [BG] Bulgaria (544)
• [CY] Cyprus (561)
• [DE] Germany (561)
• [EE] Estonia (561)
• [ES] Spain (561)
• [FI] Finland (489)
• [FR] France (561)
• [GR] Greece (561)
• [HR] Croatia (550)
• [IE] Ireland (561)
• [IT] Italy (561)
• [LT] Lithuania (561)
• [LU] Luxembourg (561)
• [LV] Latvia (561)
• [MT] Malta (561)
• [NL] Netherlands (561)
• [PT] Portugal (561)
• [SI] Slovenia (489)
• [SK] Slovakia (561)
• [U2] Euro area (changing composition) (8429)

Bank selection (1)

• [ALL] All banks (20038)

Bank lending survey item (140)

• [AEL] Aggregate excess liquidity (72)
• [ALN] Covering acute liquidity needs (9)
• [APP] Expanded asset purchase programme (144)
• [AVEL] Risk weighted assets of which Average loans (48)
• [BC] Impact of bank competition (432)
• [BDR] Bank deposit rate (8)
• [BDV] Bank deposit volume (4)
• [BFC] Impact on banks funding conditions (50)
• [BIP] Financial situation - ability to improve its profitability (2)
• [BLM] Bank lending margin (6)
• [BLP] Financial situation - liquidity position (28)
• [BLR] Bank lending rate (330)
• [BLV] Bank lending volume (84)
• [BMFC] Financial situation - market financing conditions (28)
• [BPRO] Financial situation - profitability (52)
• [BSC] Impact of cost of funds and balance sheet constraints (226)
• [C] Manufacturing (72)
• [CAPR] Capital ratio (24)
• [CBCO] Costs related to balance sheet clean-up operations (60)
• [CC] Climate change impact (288)
• [CCF] Impact of consumer confidence (108)
• [CE] Energy-intensive manufacturing (72)
• [CGL] Capital gains/losses (48)
• [CMP] Pressure from competition (399)
• [CMV] Manufacturing of motor vehicles (48)
• [CP] Impact of capital position (927)
• [CPRE] Capital position of which Retained earnings (48)
• [CRE] Impact of consumption expenditure (mortgage equity withdrawal) (54)
• [CRQ] Collateral requirements (270)
• [CWB] Impact of creditworthiness of borrower (54)
• [CWC] Impact of creditworthiness of consumers (54)
• [DR] Impact of debt refinancing/restructuring/renegotiation (216)
• [DSB] Purchasing assets - Domestic sovereign bonds (8)
• [DSI] Impact of debt securities issuance (186)
• [EABH] Euro area sovereign bond holdings (24)
• [EL] Excess liquidity (120)
• [EP] Energy performance (24)
• [EPI] Investment into energy performance (24)
• [EQI] Impact of equity issuance (210)
• [EXPT] Exposure to trade policy (252)
• [FABS] Financing via asset-backed securities (24)
• [FCOB] Financing via covered bonds (24)
• [FEE] Fee and commissions (24)
• [FEQI] Financing via equity issued (24)
• [FIS] Fiscal support (96)
• [FIX] Impact of fixed investment (195)
• [FUBB] Financing via unsecured bank bonds (24)
• [FX] Construction (eXcluding real estate) (72)
• [G] Wholesale and retail trade (72)
• [GEA] Impact of general economic activity (432)
• [GL] Granting loans (8)
• [GLI] Impact of general level of interest rates (270)
• [HEP] Good or high energy performance (72)
• [HI] Transport, accommodation and food (services) (72)
• [HMP] Impact of housing market prospects (108)
• [HTNX] Services (H to N eXcluding financial services and real estate) (72)
• [IF] Impact of internal financing (162)
• [IFO] Impact of industry or firm specific situation (348)
• [IFS] Impact of internal finance out of savings (108)
• [INV] Impact of inventories and working capital (162)
• [JMNZ] Other services (Administration, scientific/technical, information and social) (72)
• [L] Real estate (72)
• [LCRE] Commercial real estate (72)
• [LCV] Loan covenants (162)
• [LE] Large enterprises (384)
• [LEP] Poor/low energy performance (72)
• [LEV] Level of credit standards (90)
• [LEVR] Leverage ratio (24)
• [LIQA] Total assets of which liquid assets (48)
• [LIQE] Holding liquidity with the Eurosystem (8)
• [LNB] Impact of loans from non-banks (162)
• [LOB] Impact of loans from other banks (270)
• [LP] Impact of liquidity position (831)
• [LRRE] Residential real estate (72)
• [LTL] Long-term loans (216)
• [LVR] Impact of loan to value ratio (54)
• [MAA] Impact of mergers and acquisitions and corporate restructuring (162)
• [MAL] Margin on average loans (270)
• [MEP] Reasonably good/medium energy performance (72)
• [MF] Impact of ability to access market financing (831)
• [MFC] Impact of market financing competition (324)
• [MRL] Margin on riskier loans (270)
• [MTY] Maturity (270)
• [NBC] Impact of non-bank competition (432)
• [NIC] Non interest rate charges, lending (276)
• [NICD] Non interest rate charges, deposits (4)
• [NII] Net interest income (52)
• [NIIM] Net interest income - Margin effect (24)
• [NIIV] Net interest income - Volume effect (24)
• [NIM] Net interest margin (24)
• [NNI] Non-interest income (24)
• [NPL] Non-performing loan (NPL) ratio (360)
• [O] Overall (558)
• [OF1] First other factor (see OBS_COM) (306)
• [OF2] Second other factor (see OBS_COM) (306)
• [OF3] Third other factor (see OBS_COM) (306)
• [OFA] Purchasing assets - other financial assets (8)
• [OPC] Bank`s operating cost (15)
• [OSF] Impact of other sources of finance (108)
• [OSL] Other loan size limits (54)
• [OT1] First other factor for terms and conditions (see OBS_COM) (180)
• [OT2] Second other factor for terms and conditions (see OBS_COM) (180)
• [OT3] Third other factor for terms and conditions (see OBS_COM) (180)
• [PAR] Participation in the LTRO (7)
• [PHR] Physical risk (48)
• [PHRI] Investment into the reduction of physical risk (24)
• [PLB] Precautionary liquidity buffer (9)
• [PRAC] Profitability reasons linked to attractive conditions (12)
• [PRMO] Precautionary motive (to secure financing given the uncertainty on financial markets) (12)
• [PROV] Provisions and impairments (24)
• [PRT] Bank`s profitability target (15)
• [PSR] Pressure related to supervisory or regulatory requirements (60)
• [RCD] Impact of risk on the collateral demanded (378)
• [REGR] Fulfilment of regulatory and supervisory requirements (14)
• [RFR] Impact of regulatory and fiscal regime (54)
• [RG] Prevailing regulation (48)
• [RSK] Perception of risk (459)
• [RSKL] Risk weighted assets of which Riskier loans (48)
• [RTO] Impact of bank`s risk tolerance (816)
• [RWA] Risk weighted assets (48)
• [SDC] Impact of spending on durable consumer goods (54)
• [SDWD] Refinancing - substituting deposit shortfalls (8)
• [SEC] Securitisation (222)
• [SEL] Substituting existing loans (9)
• [SELO] Refinancing - substituting other Eurosystem liquidity operations (8)
• [SIBL] Refinancing - substituting interbank lending (8)
• [SMD] Refinancing - substituting maturing debt securities (8)
• [SME] Small- and medium-sized enterprises (384)
• [SNRT] Synthetic securitisation without significant risk transfer (6)
• [SRT] Synthetic securitisation with significant risk transfer (6)
• [ST2] Refinancing - substituting TLTRO-II funding (8)
• [STL] Short-term loans (216)
• [SZL] Size of loans (216)
• [TNRT] Traditional securitisation without significant risk transfer (6)
• [TOIL] Impact of financial and sovereign debt crisis 2009 onwards (222)
• [TOTA] Total assets (72)
• [TRT] Traditional securitisation with significant risk transfer (6)
• [TTRO] Impact of TLTRO - refers to TLTRO I (BLS rounds 2014Q4 - 2016Q1), TLTRO II (BLS rounds 2016Q3 - 2017Q3) and TLTRO III (BLS rounds 2020Q1 onwards) (12)
• [URG] Uncertainty about future regulation (48)
• [Z] Not applicable (732)

BLS contract counterpart (11)

• [B] Banks (945)
• [E] Enterprise (10646)
• [H] Household (7350)
• [ICPF] Insurance corporations and pension funds (6)
• [IF] Private investment funds (6)
• [OB] Other banks (6)
• [OFI] Other non-bank financial institutions (6)
• [OTH] Other (6)
• [P] Non-financial private sector (Households and NFCs) (437)
• [SIDF] Supranational institutions and public development funds (6)
• [Z] Not applicable (624)

BLS counterpart motivation (30)

• [AF] Access to funding (6)
• [BLP] Financial situation - liquidity position (6)
• [BRE] Brown firms (72)
• [C] Consumer credit (3389)
• [CLO] Free up capital to grant new loans (6)
• [CPR] Free up capital to increase payout ratios (6)
• [CR] Credit risk (6)
• [DSM] Debt securities - medium to long term (including covered bonds) (24)
• [DSS] Debt securities - short term (e.g. certificates of deposit or commercial paper) (24)
• [GRE] Green firms/enterprises (72)
• [H] Loans for house purchase (3953)
• [LE] Large enterprises (1776)
• [LTL] Long-term loans (24)
• [MMS] Interbank unsecured money market - short-term (more than one week) (24)
• [MMV] Interbank unsecured money market - very short term (up to one week) (24)
• [MTR] Market trends (6)
• [O] Overall (186)
• [OM1] Other markets - product 1 (see OBS_COM) (2)
• [OM2] Other markets - product 2 (see OBS_COM) (2)
• [OM3] Other markets - product 3 (see OBS_COM) (2)
• [REGR] Fulfilment of regulatory and supervisory requirements (6)
• [RLD] Retail long-term deposits (24)
• [RSD] Retail short-term deposits (24)
• [SCL] Securitisation of corporate loans (24)
• [SHL] Securitisation of loans for house purchase (24)
• [SME] Small and medium-sized enterprises (1776)
• [STL] Short-term loans (24)
• [TCR] Ability to transfer credit risk off balance sheet (24)
• [TRE] Firms in transition (72)
• [Z] Not applicable (8430)

Time horizon (14)

• [B12] Last 12 months (894)
• [B3] Backward looking three months (14041)
• [B6] Backward looking six months (1408)
• [F12] Forward looking twelve months (894)
• [F3] Forward looking three months (1023)
• [F6] Forward looking six months (1324)
• [LF] Future TLTROs (15)
• [LN] Next to last TLTRO-III operation (14)
• [LR] Most recent TLTRO (14)
• [R03] From 1st quarter 2003 to present (45)
• [R10] From 2nd quarter 2010 to present (45)
• [R20] Over the first half of 2020 (30)
• [X01] From 2014 to 2017 (189)
• [ZZ] Not applicable (102)

Effect domain (31)

• [AP] Expanded asset purchase programme (408)
• [B3] CRR/CRD IV (624)
• [BLV] Bank lending volume (168)
• [BM] CRR/CRD IV, effect on credit margins (192)
• [CC] Climate change impact (480)
• [CP] Capital position (24)
• [DG] Demand for loans with COVID-19 related government guarantees (45)
• [DR] Negative deposit facility rate (40)
• [DW] Demand for loans without government guarantees (9)
• [LP] Liquidity position (24)
• [MA] Margins on average loans (1470)
• [MFC] Market financing conditions (24)
• [ML] Level of bank`s loan margins (114)
• [MP] Monetary Policy rates (192)
• [MR] Margins on riskier loans (1470)
• [NP] NPL impact on lending policy (429)
• [NPL] Non-performing loan (NPL) ratio (24)
• [OTH] Other (24)
• [PRO] Profitability (24)
• [RA] Share of rejected loan application (270)
• [REGR] Fulfilment of regulatory and supervisory requirements (24)
• [RTO] Risk tolerance (24)
• [SG] Credit standards on loans on loans with COVID-19 related government guarantees (9)
• [ST] Credit standards (4834)
• [SW] Credit standards on loans without government guarantees (9)
• [T3] TLTRO III (131)
• [TC] Credit terms and conditions (4860)
• [TG] Credit terms and conditions on loans with COVID-19 related government guarantees (9)
• [TT] Two tier system (18)
• [TW] Credit terms and conditions on loans without government guarantees (9)
• [ZZ] Not applicable (4056)

Market role (3)

• [D] Loan demand (5999)
• [S] Loan supply (13925)
• [Z] Not applicable (114)

BLS aggregation method (19)

• [BDINX] Diffusion index weighted with the share of each bank in the total loan outstanding amount of the banks in the BLS sample (708)
• [BFNET] 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 (958)
• [DINX] Diffusion index (4248)
• [FNET] Net percentage (frequency of tightened minus that of eased or reverse) (5695)
• [N] Number of numeric responses in range from 1 to 5 (662)
• [NNA] Number of factor not applicable responses (observation value NC with observation status L) (662)
• [WA] Weighted average (643)
• [WDINX] Weighted diffusion index based on the share of each country in the total loan outstanding amounts of the area aggregate (643)
• [WF1] Weighted avg frequency of 1 responses (considerably tightened / strongly negative / not participated / will not participate) (656)
• [WF2] Weighted avg frequency of 2 responses (somewhat tightened / negative) (653)
• [WF3] Weighted avg frequency of 3 responses (basically unchanged / o / undecided) (721)
• [WF4] Weighted avg frequency of 4 responses (somewhat eased / positive) (720)
• [WF5] Weighted avg frequency of 5 responses (considerably eased / strongly positive / participated / will participate) (723)
• [WF6] Weighted avg frequency of 6 responses (tightest level) (10)
• [WF7] Weighted avg frequency of 7 responses (level remained constant) (10)
• [WF8] Weighted avg frequency of 8 responses (loosest level) (10)
• [WFNA] Weighted avg frequency of not applicable responses (720)
• [WFNET] 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 (953)
• [WSD] Weighted standard deviation estimate (643)