Lower margins on lending to enterprises
- Survey of Bank Lending
Banks report slightly higher household credit demand in Q1, while slightly lower demand had been expected. Corporate credit demand edged up. There were only slight changes in overall credit standards for both households and enterprises in Q1. Margins on lending to enterprises fell.
Banks expect lower margins on lending to both households and enterprises in 2014 Q2.
In its work on monitoring financial stability in Norway, Norges Bank uses extensive statistics on developments in credit and financial markets. In order to expand the information base, Norges Bank conducts a quarterly survey of bank lending. The survey provides information on changes in the demand for and supply of credit and on changes in banks’ loan terms and conditions. Objective of the Bank Lending Survey