Further increase in lending margins
- Survey of Bank Lending
Banks reported higher lending margins in 2012 Q4. Changes in banks' overall credit standards were small, both for households and enterprises. In 2013 Q1, banks still expect some tightening for households, and an easing of credit standards for enterprises. Household credit demand was unchanged from Q3 to Q4, while corporate credit demand increased somewhat. In Q1, banks expect broadly unchanged credit demand from households and 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