Lower margins on lending to enterprises
- Survey of Bank Lending
Banks report somewhat lower household credit demand in Q4. Overall credit standards for households are reported to have eased slightly and contacts expect approximately unchanged credit standards and somewhat lower credit demand in 2014 Q1.
Banks report approximately unchanged corporate credit demand in Q4. Margins on lending to enterprises have been reduced, but credit standards are otherwise reported to be unchanged. Banks expect unchanged demand and credit standards in Q1.
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