3 time series

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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)
3 series are displayed for BLS
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Quarterly Euro area (changing composition) All banks Overall Household Consumer credit Backward looking three months Credit terms and conditions Loan supply Weighted net percentage (tightened minus...
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Quarterly Euro area (changing ... All banks Overall Household Consumer credit Backward looking thr... Credit terms and con... Loan supply Weighted net percent...
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Percent
Last updated: 9 Apr 2024 10:00 CEST
BLS.Q.U2.ALL.O.H.C.B3.TC.S.WFNET
Quarterly Euro area (changing composition) All banks Overall Enterprise Backward looking three months Credit terms and conditions Loan supply Weighted net percentage (tightened minus...
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Quarterly Euro area (changing ... All banks Overall Enterprise Backward looking thr... Credit terms and con... Loan supply Weighted net percent...
Show all
Percent
Last updated: 9 Apr 2024 10:00 CEST
BLS.Q.U2.ALL.O.E.Z.B3.TC.S.WFNET
Quarterly Euro area (changing composition) All banks Overall Household Loans for house purchase Backward looking three months Credit terms and conditions Loan supply Weighted net percentage (tightened minus...
Show all
Quarterly Euro area (changing ... All banks Overall Household Loans for house purc... Backward looking thr... Credit terms and con... Loan supply Weighted net percent...
Show all
Percent
Last updated: 9 Apr 2024 10:00 CEST
BLS.Q.U2.ALL.O.H.H.B3.TC.S.WFNET