Norges Bank's Survey of Bank Lending 2011 Q4
Corporate credit demand decreased somewhat in 2011 Q4. At the same time, household credit demand increased somewhat. Looking ahead, banks expect broadly unchanged household credit demand and reduced corporate credit demand. Banks tightened credit standards for households and enterprises in 2011 Q4. Banks expect somewhat tighter credit standards for households and unchanged credit standards for enterprises in 2012 Q1. Lending margins rose on both household and corporate loans in 2011 Q4. Banks expect lending margins to continue to rise somewhat on both household and corporate loans ahead.