Banks advertised a deeper web tightening regarding borrowing from the bank requirements to own funds to help you house about second one-fourth out of 2023
In the 3rd quarter regarding 2023, euro area banks expect a deeper online firming off borrowing from the bank conditions to have finance to firms, however, within a much slower pace than in the next quarter
The outcomes claimed from the lender credit questionnaire (BLS) relate with changes noticed in second quarter out-of 2023 and you may standards to the 3rd quarter out-of 2023. The newest questionnaire was used between . All in all, 158 banks were interviewed within this round, having a reply rate away from 100%. Along with outcomes for new euro urban area general, it statement consists of outcomes for the fresh five prominent euro town places.
Enough random issues was indeed included in the survey. They target the latest impact of your own problem inside the monetary markets into the banks‘ the means to access retail and you will general money, the new feeling off banks‘ low-undertaking loan (NPL) percentages on the lending formula, the change into the lender credit standards and you will financing request along the head economic circles, and the impression off climate alter towards the bank financing so you’re able to companies.
Throughout the BLS, euro city financial institutions reported that its borrowing criteria to own finance or credit lines to enterprises tightened up after that about second quarter regarding 2023, although the internet percentage of finance companies revealing a great firming is reduced compared to the last quarter (pick Overview dining table). Weiterlesen