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Euro area bank lending survey

The euro area bank lending survey (BLS) provides information on bank lending conditions in the euro area. It supplements existing statistics with information on the supply of and demand for loans to enterprises and households. The BLS provides input to the assessment of monetary and economic developments carried out by the ECB Governing Council in the process of making its monetary policy decisions.

963彩票开户The BLS is conducted four times a year, and published in January, April, July and October.

2019 Q4
Bank Lending Survey
2019 Q4
Survey results
Credit standards

The criteria used by banks to approve loans to firms and housing loans remained broadly unchanged.

Loan demand

Demand for loans to firms declined, while demand for housing loans increased further.

ECB measures

963彩票开户Euro area banks use TLTRO-III liquidity largely for granting loans.

About the survey

The euro area bank lending survey (BLS) was launched by the Eurosystem in 2003. Its main objective is to enhance the Eurosystem’s knowledge of bank lending conditions in the euro area. It provides information on the lending policies of euro area banks and supplements existing statistics on loans and bank lending rates with information on the supply of and demand for loans to enterprises and households. The BLS provides input to the assessment of monetary and economic developments carried out by the ECB Governing Council in the process of making its monetary policy decisions.

The BLS is conducted four times a year and addressed to senior loan officers of a representative sample of euro area banks, comprising around 150 institutions representing all euro area countries, and takes into account the characteristics of the respective national banking structures.

Results by country
Availability in the
Country Diffusion indices Net percentages Link to NCB website publication
BE YES YES
DE YES YES
EE YES YES
IE YES YES
GR YES YES
ES YES YES
FR* YES YES
IT YES YES
CY YES (from April 2009) YES (from April 2009)
LV YES YES
LT YES YES
LU YES YES
MT* YES YES
NL* YES YES
BLS information in table T5.5
AT YES YES
PT YES YES
SI YES YES national BLS results published only on SDW
SK* YES (from April 2013) YES (from April 2013)
FI NO NO not published

963彩票开户* The results for France, Malta, the Netherlands and Slovakia available in the SDW are weighted by the share of the outstanding amount of loans issued by each bank in the respective national BLS sample in the total outstanding amount of loans issued by all banks in the national sample.

Questionnaire and glossary

This glossary defines the most important terminology used in the bank lending survey to assist respondent banks in filling out the questionnaire.

The bank lending survey (BLS) contains 22 standard questions on past and expected credit market developments. Past developments cover the previous three-month period, while expected developments focus on the following three-month period. Overall, the BLS includes 18 backward and 4 forward-looking questions in order to capture both recent and expected developments. The BLS also includes an open-ended question with space for participating banks to respond.

In addition, it may contain ad hoc questions on specific topics of interest.

963彩票开户The questions are classified according to the two borrower sectors that are the focus of the survey, i.e. enterprises and households. Loans to households are broken down into loans for house purchases, on the one hand, and consumer credit and other lending, on the other.

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