Lower margins on lending
Banks report slight changes in credit demand and credit standards in 2014 Q4.
Banks report lower margins on lending in Q4. Margins on lending to households are expected to fall further in 2015 Q1.
For non-financial enterprises, banks expect lower credit demand and tighter 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