Banks report higher lending margins
- Survey of Bank Lending
Banks reported higher lending margins in 2012 Q3. The changes in banks' credit standards for households and enterprises overall were small, and large changes are not expected in Q4. Credit demand was broadly unchanged. In Q4, banks expect a decline in credit demand from enterprises.
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