Bank Lending Survey Statistics [BLS]

Frequency [FREQ]
Reference area [REF_AREA]
Bank selection [BANK_SELECTION]
Bank lending survey item [BLS_ITEM]
BLS contract counterpart [BLS_COUNT]
BLS counterpart motivation [BLS_COUNT_DETAIL]
Time horizon [TIME_HORIZON]
Effect domain [EFFECT_DOMAIN]
Market role [MARKET_ROLE]
BLS aggregation method [BLS_AGG_METHOD]

Dataset has 12,769 series. Add search filters to narrow them.

Dimensions codes and labels
[FREQ] Frequency
  • [Q] Quarterly
[REF_AREA] Reference area
  • [AT] Austria
  • [BE] Belgium
  • [CY] Cyprus
  • [EE] Estonia
  • [U2] Euro area (changing composition)
  • [FI] Finland
  • [FR] France
  • [DE] Germany
  • [GR] Greece
  • [IE] Ireland
  • [IT] Italy
  • [LV] Latvia
  • [LT] Lithuania
  • [LU] Luxembourg
  • [MT] Malta
  • [NL] Netherlands
  • [PT] Portugal
  • [SK] Slovakia
  • [SI] Slovenia
  • [ES] Spain
[BANK_SELECTION] Bank selection
  • [ALL] All banks
[BLS_ITEM] Bank lending survey item
  • [BDR] Bank deposit rate
  • [BDV] Bank deposit volume
  • [BLM] Bank lending margin
  • [BLR] Bank lending rate
  • [BLV] Bank lending volume
  • [OPC] Bank`s operating cost
  • [PRT] Bank`s profitability target
  • [CGL] Capital gains/losses
  • [CPRE] Capital position of which Retained earnings
  • [CAPR] Capital ratio
  • [CRQ] Collateral requirements
  • [LCRE] Commercial real estate
  • [FX] Construction (eXcluding real estate)
  • [CBCO] Costs related to balance sheet clean-up operations
  • [ALN] Covering acute liquidity needs
  • [EABH] Euro area sovereign bond holdings
  • [APP] Expanded asset purchase programme
  • [BIP] Financial situation - ability to improve its profitability
  • [BLP] Financial situation - liquidity position
  • [BMFC] Financial situation - market financing conditions
  • [BPRO] Financial situation - profitability
  • [FABS] Financing via asset-backed securities
  • [FCOB] Financing via covered bonds
  • [FEQI] Financing via equity issued
  • [FUBB] Financing via unsecured bank bonds
  • [REGR] Fulfilment of regulatory and supervisory requirements
  • [GL] Granting loans
  • [LIQE] Holding liquidity with the Eurosystem
  • [MF] Impact of ability to access market financing
  • [BC] Impact of bank competition
  • [RTO] Impact of bank`s risk tolerance
  • [CP] Impact of capital position
  • [CCF] Impact of consumer confidence
  • [CRE] Impact of consumption expenditure (mortgage equity withdrawal)
  • [BSC] Impact of cost of funds and balance sheet constraints
  • [CWB] Impact of creditworthiness of borrower
  • [CWC] Impact of creditworthiness of consumers
  • [DR] Impact of debt refinancing/restructuring/renegotiation
  • [DSI] Impact of debt securities issuance
  • [EQI] Impact of equity issuance
  • [TOIL] Impact of financial and sovereign debt crisis 2009 onwards
  • [FIX] Impact of fixed investment
  • [GEA] Impact of general economic activity
  • [GLI] Impact of general level of interest rates
  • [HMP] Impact of housing market prospects
  • [IFO] Impact of industry or firm specific situation
  • [IFS] Impact of internal finance out of savings
  • [IF] Impact of internal financing
  • [INV] Impact of inventories and working capital
  • [LP] Impact of liquidity position
  • [LVR] Impact of loan to value ratio
  • [LNB] Impact of loans from non-banks
  • [LOB] Impact of loans from other banks
  • [MFC] Impact of market financing competition
  • [MAA] Impact of mergers and acquisitions and corporate restructuring
  • [NBC] Impact of non-bank competition
  • [OSF] Impact of other sources of finance
  • [RFR] Impact of regulatory and fiscal regime
  • [RCD] Impact of risk on the collateral demanded
  • [SDC] Impact of spending on durable consumer goods
  • [TTRO] Impact of TLTRO - refers to TLTRO I (BLS rounds 2014Q4 - 2016Q1), TLTRO II (BLS rounds 2016Q3 - 2017Q3) and TLTRO III (BLS rounds 2020Q1 onwards)
  • [BFC] Impact on banks funding conditions
  • [LE] Large enterprises
  • [LEV] Level of credit standards
  • [LEVR] Leverage ratio
  • [LCV] Loan covenants
  • [LTL] Long-term loans
  • [C] Manufacturing
  • [MAL] Margin on average loans
  • [MRL] Margin on riskier loans
  • [MTY] Maturity
  • [NII] Net interest income
  • [NIM] Net interest margin
  • [NICD] Non interest rate charges, deposits
  • [NIC] Non interest rate charges, lending
  • [NPL] Non-performing loan (NPL) ratio
  • [Z] Not applicable
  • [OSL] Other loan size limits
  • [O] Overall
  • [PAR] Participation in the LTRO
  • [RSK] Perception of risk
  • [PLB] Precautionary liquidity buffer
  • [PRMO] Precautionary motive (to secure financing given the uncertainty on financial markets)
  • [CMP] Pressure from competition
  • [PSR] Pressure related to supervisory or regulatory requirements
  • [PRAC] Profitability reasons linked to attractive conditions
  • [DSB] Purchasing assets - Domestic sovereign bonds
  • [OFA] Purchasing assets - other financial assets
  • [L] Real estate
  • [SDWD] Refinancing - substituting deposit shortfalls
  • [SIBL] Refinancing - substituting interbank lending
  • [SMD] Refinancing - substituting maturing debt securities
  • [SELO] Refinancing - substituting other Eurosystem liquidity operations
  • [ST2] Refinancing - substituting TLTRO-II funding
  • [LRRE] Residential real estate
  • [RWA] Risk weighted assets
  • [AVEL] Risk weighted assets of which Average loans
  • [RSKL] Risk weighted assets of which Riskier loans
  • [HTNX] Services (H to N eXcluding financial services and real estate)
  • [STL] Short-term loans
  • [SZL] Size of loans
  • [SME] Small- and medium-sized enterprises
  • [SEL] Substituting existing loans
  • [TOTA] Total assets
  • [LIQA] Total assets of which liquid assets
  • [G] Wholesale and retail trade
[BLS_COUNT] BLS contract counterpart
  • [B] Banks
  • [E] Enterprise
  • [H] Household
  • [P] Non-financial private sector (Households and NFCs)
  • [Z] Not applicable
[BLS_COUNT_DETAIL] BLS counterpart motivation
  • [TCR] Ability to transfer credit risk off balance sheet
  • [C] Consumer credit
  • [DSM] Debt securities - medium to long term (including covered bonds)
  • [DSS] Debt securities - short term (e.g. certificates of deposit or commercial paper)
  • [MMS] Interbank unsecured money market - short-term (more than one week)
  • [MMV] Interbank unsecured money market - very short term (up to one week)
  • [LE] Large enterprises
  • [H] Loans for house purchase
  • [Z] Not applicable
  • [O] Overall
  • [RLD] Retail long-term deposits
  • [RSD] Retail short-term deposits
  • [SCL] Securitisation of corporate loans
  • [SHL] Securitisation of loans for house purchase
  • [SME] Small and medium-sized enterprises
[TIME_HORIZON] Time horizon
  • [B6] Backward looking six months
  • [B3] Backward looking three months
  • [F6] Forward looking six months
  • [F3] Forward looking three months
  • [F12] Forward looking twelve months
  • [R03] From 1st quarter 2003 to present
  • [X01] From 2014 to 2017
  • [R10] From 2nd quarter 2010 to present
  • [LF] Future TLTROs
  • [B12] Last 12 months
  • [LR] Most recent TLTRO
  • [LN] Next to last TLTRO-III operation
  • [R20] Over the first half of 2020
[EFFECT_DOMAIN] Effect domain
  • [ST] Credit standards
  • [SG] Credit standards on loans on loans with COVID-19 related government guarantees
  • [SW] Credit standards on loans without government guarantees
  • [TC] Credit terms and conditions
  • [TG] Credit terms and conditions on loans with COVID-19 related government guarantees
  • [TW] Credit terms and conditions on loans without government guarantees
  • [B3] CRR/CRD IV
  • [BM] CRR/CRD IV, effect on credit margins
  • [DG] Demand for loans with COVID-19 related government guarantees
  • [DW] Demand for loans without government guarantees
  • [AP] Expanded asset purchase programme
  • [ML] Level of bank`s loan margins
  • [MA] Margins on average loans
  • [MR] Margins on riskier loans
  • [DR] Negative deposit facility rate
  • [ZZ] Not applicable
  • [NP] NPL impact on lending policy
  • [RA] Share of rejected loan application
  • [T3] TLTRO III
  • [TT] Two tier system
[MARKET_ROLE] Market role
  • [D] Loan demand
  • [S] Loan supply
[BLS_AGG_METHOD] BLS aggregation method
  • [DINX] Diffusion index
  • [BDINX] Diffusion index weighted with the share of each bank in the total loan outstanding amount of the banks in the BLS sample
  • [FNET] Net percentage (frequency of tightened minus that of eased or reverse)
  • [BWA] Weighted average, based on the share of each country in the total loan outstanding amounts of the area aggregate, also weighted with the share of each bank in the total loan outstanding amount of the banks in the BLS sample
  • [WF1] Weighted avg frequency of 1 responses (considerably tightened / strongly negative / not participated / will not participate)
  • [BWF1] Weighted avg frequency of 1 responses (considerably tightened / strongly negative) based on the share of each country in the total loan outstanding amounts of the area aggregate and of each bank in the total loan outstanding amount of the BLS banks sample
  • [BWF2] Weighted avg frequency of 2 responses (somewhat tightened / negative) based on the share of each country in the total loan outstanding amounts of the area aggregate and of each bank in the total loan outstanding amount of the BLS banks sample
  • [WF3] Weighted avg frequency of 3 responses (basically unchanged / o / undecided)
  • [BWF3] Weighted avg frequency of 3 responses (basically unchanged / o) based on the share of each country in the total loan outstanding amounts of the area aggregate and of each bank in the total loan outstanding amount of the BLS banks sample
  • [BWF4] Weighted avg frequency of 4 responses (somewhat eased / positive) based on the share of each country in the total loan outstanding amounts of the area aggregate and of each bank in the total loan outstanding amount of the BLS banks sample
  • [WF5] Weighted avg frequency of 5 responses (considerably eased / strongly positive / participated / will participate)
  • [BWF5] Weighted avg frequency of 5 responses (considerably eased / strongly positive) based on the share of each country in the total loan outstanding amounts of the area aggregate and of each bank in the total loan outstanding amount of the BLS banks sample
  • [BWF6] Weighted avg frequency of 6 responses (tightest level) based on the share of each country in the total loan outstanding amounts of the area aggregate and of each bank in the total loan outstanding amount of the BLS banks sample
  • [BWF7] Weighted avg frequency of 7 responses (level remained constant) based on the share of each country in the total loan outstanding amounts of the area aggregate and of each bank in the total loan outstanding amount of the BLS banks sample
  • [BWF8] Weighted avg frequency of 8 responses (loosest level) based on the share of each country in the total loan outstanding amounts of the area aggregate and of each bank in the total loan outstanding amount of the BLS banks sample
  • [BWFNA] Weighted avg frequency of not applicable responses, based on the share of each country in the total loan outstanding amounts of the area aggregate and of each bank in the total loan outstanding amount of the BLS banks sample
  • [BWDINX] Weighted diffusion index based on the share of each country in the total loan outstanding amounts of the area aggregate, also weighted with the share of each bank in the total loan outstanding amount of the banks in the BLS sample
  • [BWFNET] Weighted net percentage (tightened minus eased or reverse) based on the share of each country in the total loan outstanding amounts of the area aggregate and of each bank in the total loan outstanding amount of the BLS banks sample
  • [BFNET] Weighted net percentage (tightened minus eased or reverse), based on the share of each bank in the total loan outstanding amount of the banks in the BLS sample
  • [BWSD] Weighted standard deviation estimate, based on the share of each country in the total loan outstanding amounts of the area aggregate and of each bank in the total loan outstanding amount of the BLS banks sample
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