Lower lending margins
- Survey of Bank Lending
Banks report higher household credit demand in 2015 Q2. Demand for fixed-rate loans continued to increase. Corporate credit demand was approximately unchanged in Q2.
Banks report unchanged credit standards in Q2, with tighter credit standards for households expected in Q3.
Banks report lower margins on lending to both households and enterprises in Q2. Banks expect margins on lending to households to fall further in Q3.
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