The European Central Bank (ECB) published its report on the results of the April 2012 bank lending survey for the euro area. The bank lending survey was developed by the Eurosystem in order to enhance the understanding of bank lending behaviour in the euro area.
The bank lending survey is addressed to senior loan officers of a representative sample of euro area banks. Its main purpose is to enhance the understanding of bank lending behaviour in the euro area.
The questions distinguish between three categories of loan: loans or credit lines to enterprises; loans to households for house purchase; and consumer credit and other lending to households. For all three categories, questions are posed on credit standards for approving loans; credit terms and conditions; and credit demand and the factors affecting it.
The results reported in the April 2012 survey relate to changes in the first quarter of 2012 and to expectations of changes in the second quarter of 2012. Two ad hoc questions from the previous survey round were included in the questionnaire for the April 2012 survey: one question addressing the impact of the financial turmoil on access to retail and wholesale funding, and one on the impact of the sovereign debt crisis in particular.
The April 2012 bank lending survey was conducted between 23 March and 5 April 2012. In the first quarter of 2012 the size of the sample of banks surveyed was increased, with 131 banks participating in the survey. The response rate was 100 per cent.
For the first time, detailed data series for the aggregate euro area results as well as the country-level results in terms of net percentages and/or the diffusion index for 11 euro area countries have now been made available on the ECB’s website via the ECB’s Statistical Data Warehouse. In addition, the ECB’s website also provides links to the national results as published by the respective national central banks.
Full survey
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