Overall credit demand from both households and enterprises was approximately unchanged in 2018 Q1. Household demand for fixed-rate loans increased somewhat. Banks expect household credit demand to increase slightly in Q2, particularly for fixed-rate loans. Credit standards for both households and enterprises were broadly unchanged and banks also expect credit standards to remain approximately unchanged ahead. Lending rates for households were reduced slightly, despite higher funding costs. Margins fell on household loans, while margins on corporate loans were virtually unchanged.