Bank Lending Survey Statistics - BLS

Frequency (1)

• [Q] Quarterly (19109)

Reference area (21)

• [AT] Austria (578)
• [BE] Belgium (578)
• [CY] Cyprus (578)
• [DE] Germany (578)
• [EE] Estonia (578)
• [ES] Spain (578)
• [FI] Finland (506)
• [FR] France (578)
• [GR] Greece (578)
• [HR] Croatia (556)
• [IE] Ireland (578)
• [IT] Italy (578)
• [LT] Lithuania (578)
• [LU] Luxembourg (578)
• [LV] Latvia (578)
• [MT] Malta (578)
• [NL] Netherlands (578)
• [PT] Portugal (578)
• [SI] Slovenia (506)
• [SK] Slovakia (578)
• [U2] Euro area (changing composition) (7715)

Bank selection (1)

• [ALL] All banks (280)

Bank lending survey item (122)

• [ALN] Covering acute liquidity needs (90)
• [APP] Expanded asset purchase programme (120)
• [AVEL] Risk weighted assets of which Average loans (40)
• [BC] Impact of bank competition (80)
• [BDR] Bank deposit rate (80)
• [BDV] Bank deposit volume (40)
• [BFC] Impact on banks funding conditions (60)
• [BIP] Financial situation - ability to improve its profitability (20)
• [BLM] Bank lending margin (60)
• [BLP] Financial situation - liquidity position (60)
• [BLR] Bank lending rate (170)
• [BLV] Bank lending volume (180)
• [BMFC] Financial situation - market financing conditions (60)
• [BPRO] Financial situation - profitability (80)
• [BSC] Impact of cost of funds and balance sheet constraints (110)
• [C] Manufacturing (60)
• [CAPR] Capital ratio (20)
• [CBCO] Costs related to balance sheet clean-up operations (30)
• [CC] Climate change impact (240)
• [CCF] Impact of consumer confidence (20)
• [CE] Energy-intensive manufacturing (60)
• [CGL] Capital gains/losses (40)
• [CMP] Pressure from competition (132)
• [CP] Impact of capital position (272)
• [CPRE] Capital position of which Retained earnings (40)
• [CRE] Impact of consumption expenditure (mortgage equity withdrawal) (10)
• [CRQ] Collateral requirements (50)
• [CWB] Impact of creditworthiness of borrower (10)
• [CWC] Impact of creditworthiness of consumers (10)
• [DR] Impact of debt refinancing/restructuring/renegotiation (40)
• [DSB] Purchasing assets - Domestic sovereign bonds (8)
• [DSI] Impact of debt securities issuance (50)
• [EABH] Euro area sovereign bond holdings (20)
• [EL] Excess liquidity (100)
• [EQI] Impact of equity issuance (70)
• [FABS] Financing via asset-backed securities (20)
• [FCOB] Financing via covered bonds (20)
• [FEE] Fee and commissions (20)
• [FEQI] Financing via equity issued (20)
• [FIS] Fiscal support (40)
• [FIX] Impact of fixed investment (140)
• [FUBB] Financing via unsecured bank bonds (20)
• [FX] Construction (eXcluding real estate) (60)
• [G] Wholesale and retail trade (60)
• [GEA] Impact of general economic activity (80)
• [GL] Granting loans (8)
• [GLI] Impact of general level of interest rates (50)
• [HMP] Impact of housing market prospects (20)
• [HTNX] Services (H to N eXcluding financial services and real estate) (60)
• [IF] Impact of internal financing (30)
• [IFO] Impact of industry or firm specific situation (80)
• [IFS] Impact of internal finance out of savings (20)
• [INV] Impact of inventories and working capital (30)
• [L] Real estate (60)
• [LCRE] Commercial real estate (60)
• [LCV] Loan covenants (30)
• [LE] Large enterprises (310)
• [LEV] Level of credit standards (90)
• [LEVR] Leverage ratio (20)
• [LIQA] Total assets of which liquid assets (40)
• [LIQE] Holding liquidity with the Eurosystem (8)
• [LNB] Impact of loans from non-banks (30)
• [LOB] Impact of loans from other banks (50)
• [LP] Impact of liquidity position (212)
• [LRRE] Residential real estate (60)
• [LTL] Long-term loans (40)
• [LVR] Impact of loan to value ratio (10)
• [MAA] Impact of mergers and acquisitions and corporate restructuring (30)
• [MAL] Margin on average loans (50)
• [MF] Impact of ability to access market financing (212)
• [MFC] Impact of market financing competition (60)
• [MRL] Margin on riskier loans (50)
• [MTY] Maturity (50)
• [NBC] Impact of non-bank competition (80)
• [NIC] Non interest rate charges, lending (110)
• [NICD] Non interest rate charges, deposits (40)
• [NII] Net interest income (80)
• [NIIM] Net interest income - Margin effect (20)
• [NIIV] Net interest income - Volume effect (20)
• [NIM] Net interest margin (20)
• [NNI] Non-interest income (20)
• [NPL] Non-performing loan (NPL) ratio (180)
• [O] Overall (280)
• [OF1] First other factor (see OBS_COM) (21)
• [OF2] Second other factor (see OBS_COM) (21)
• [OF3] Third other factor (see OBS_COM) (21)
• [OFA] Purchasing assets - other financial assets (8)
• [OPC] Bank`s operating cost (42)
• [OSF] Impact of other sources of finance (20)
• [OSL] Other loan size limits (10)
• [OT1] First other factor for terms and conditions (see OBS_COM) (9)
• [OT2] Second other factor for terms and conditions (see OBS_COM) (9)
• [OT3] Third other factor for terms and conditions (see OBS_COM) (9)
• [PAR] Participation in the LTRO (7)
• [PHR] Physical risk (20)
• [PLB] Precautionary liquidity buffer (90)
• [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 (20)
• [PRT] Bank`s profitability target (42)
• [PSR] Pressure related to supervisory or regulatory requirements (30)
• [RCD] Impact of risk on the collateral demanded (70)
• [REGR] Fulfilment of regulatory and supervisory requirements (32)
• [RFR] Impact of regulatory and fiscal regime (10)
• [RSK] Perception of risk (162)
• [RSKL] Risk weighted assets of which Riskier loans (40)
• [RTO] Impact of bank`s risk tolerance (170)
• [RWA] Risk weighted assets (40)
• [SDC] Impact of spending on durable consumer goods (10)
• [SDWD] Refinancing - substituting deposit shortfalls (8)
• [SEL] Substituting existing loans (90)
• [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 (310)
• [ST2] Refinancing - substituting TLTRO-II funding (8)
• [STL] Short-term loans (40)
• [SZL] Size of loans (40)
• [TOIL] Impact of financial and sovereign debt crisis 2009 onwards (186)
• [TOTA] Total assets (60)
• [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) (120)
• [Z] Not applicable (260)

BLS contract counterpart (2)

• [E] Enterprise (1)
• [H] Household (2)

BLS counterpart motivation (5)

• [C] Consumer credit (1)
• [H] Loans for house purchase (1)
• [LE] Large enterprises (1)
• [SME] Small and medium-sized enterprises (1)
• [Z] Not applicable (1)

Time horizon (5)

• [B3] Backward looking three months (80)
• [B6] Backward looking six months (60)
• [F3] Forward looking three months (20)
• [F6] Forward looking six months (60)
• [R20] Over the first half of 2020 (60)

Effect domain (4)

• [RA] Share of rejected loan application (10)
• [ST] Credit standards (10)
• [TC] Credit terms and conditions (50)
• [ZZ] Not applicable (10)

Market role (1)

• [S] Loan supply (50)

BLS aggregation method (10)

• [WA] Weighted average (5)
• [WDINX] Weighted diffusion index based on the share of each country in the total loan outstanding amounts of the area aggregate (5)
• [WF1] Weighted avg frequency of 1 responses (considerably tightened / strongly negative / not participated / will not participate) (5)
• [WF2] Weighted avg frequency of 2 responses (somewhat tightened / negative) (5)
• [WF3] Weighted avg frequency of 3 responses (basically unchanged / o / undecided) (5)
• [WF4] Weighted avg frequency of 4 responses (somewhat eased / positive) (5)
• [WF5] Weighted avg frequency of 5 responses (considerably eased / strongly positive / participated / will participate) (5)
• [WFNA] Weighted avg frequency of not applicable responses (5)
• [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 (5)
• [WSD] Weighted standard deviation estimate (5)