[BLS] Bank Lending Survey Statistics
Updated on DBnomics on April 10, 2024 (6:20 AM).
[FREQ] Frequency
- [Q] Quarterly
[REF_AREA] Reference area
- [AT] Austria
- [BE] Belgium
- [CY] Cyprus
- [DE] Germany
- [EE] Estonia
- [ES] Spain
- [FI] Finland
- [FR] France
- [GR] Greece
- [HR] Croatia
- [IE] Ireland
- [IT] Italy
- [LT] Lithuania
- [LU] Luxembourg
- [LV] Latvia
- [MT] Malta
- [NL] Netherlands
- [PT] Portugal
- [SI] Slovenia
- [SK] Slovakia
- [U2] Euro area (changing composition)
[BANK_SELECTION] Bank selection
- [ALL] All banks
[BLS_ITEM] Bank lending survey item
- [ALN] Covering acute liquidity needs
- [APP] Expanded asset purchase programme
- [AVEL] Risk weighted assets of which Average loans
- [BC] Impact of bank competition
- [BDR] Bank deposit rate
- [BDV] Bank deposit volume
- [BFC] Impact on banks funding conditions
- [BIP] Financial situation - ability to improve its profitability
- [BLM] Bank lending margin
- [BLP] Financial situation - liquidity position
- [BLR] Bank lending rate
- [BLV] Bank lending volume
- [BMFC] Financial situation - market financing conditions
- [BPRO] Financial situation - profitability
- [BSC] Impact of cost of funds and balance sheet constraints
- [C] Manufacturing
- [CAPR] Capital ratio
- [CBCO] Costs related to balance sheet clean-up operations
- [CC] Climate change impact
- [CCF] Impact of consumer confidence
- [CE] Energy-intensive manufacturing
- [CGL] Capital gains/losses
- [CMP] Pressure from competition
- [CP] Impact of capital position
- [CPRE] Capital position of which Retained earnings
- [CRE] Impact of consumption expenditure (mortgage equity withdrawal)
- [CRQ] Collateral requirements
- [CWB] Impact of creditworthiness of borrower
- [CWC] Impact of creditworthiness of consumers
- [DR] Impact of debt refinancing/restructuring/renegotiation
- [DSB] Purchasing assets - Domestic sovereign bonds
- [DSI] Impact of debt securities issuance
- [EABH] Euro area sovereign bond holdings
- [EL] Excess liquidity
- [EQI] Impact of equity issuance
- [FABS] Financing via asset-backed securities
- [FCOB] Financing via covered bonds
- [FEE] Fee and commissions
- [FEQI] Financing via equity issued
- [FIS] Fiscal support
- [FIX] Impact of fixed investment
- [FUBB] Financing via unsecured bank bonds
- [FX] Construction (eXcluding real estate)
- [G] Wholesale and retail trade
- [GEA] Impact of general economic activity
- [GL] Granting loans
- [GLI] Impact of general level of interest rates
- [HMP] Impact of housing market prospects
- [HTNX] Services (H to N eXcluding financial services and real estate)
- [IF] Impact of internal financing
- [IFO] Impact of industry or firm specific situation
- [IFS] Impact of internal finance out of savings
- [INV] Impact of inventories and working capital
- [L] Real estate
- [LCRE] Commercial real estate
- [LCV] Loan covenants
- [LE] Large enterprises
- [LEV] Level of credit standards
- [LEVR] Leverage ratio
- [LIQA] Total assets of which liquid assets
- [LIQE] Holding liquidity with the Eurosystem
- [LNB] Impact of loans from non-banks
- [LOB] Impact of loans from other banks
- [LP] Impact of liquidity position
- [LRRE] Residential real estate
- [LTL] Long-term loans
- [LVR] Impact of loan to value ratio
- [MAA] Impact of mergers and acquisitions and corporate restructuring
- [MAL] Margin on average loans
- [MF] Impact of ability to access market financing
- [MFC] Impact of market financing competition
- [MRL] Margin on riskier loans
- [MTY] Maturity
- [NBC] Impact of non-bank competition
- [NIC] Non interest rate charges, lending
- [NICD] Non interest rate charges, deposits
- [NII] Net interest income
- [NIIM] Net interest income - Margin effect
- [NIIV] Net interest income - Volume effect
- [NIM] Net interest margin
- [NNI] Non-interest income
- [NPL] Non-performing loan (NPL) ratio
- [O] Overall
- [OF1] First other factor (see OBS_COM)
- [OF2] Second other factor (see OBS_COM)
- [OF3] Third other factor (see OBS_COM)
- [OFA] Purchasing assets - other financial assets
- [OPC] Bank`s operating cost
- [OSF] Impact of other sources of finance
- [OSL] Other loan size limits
- [OT1] First other factor for terms and conditions (see OBS_COM)
- [OT2] Second other factor for terms and conditions (see OBS_COM)
- [OT3] Third other factor for terms and conditions (see OBS_COM)
- [PAR] Participation in the LTRO
- [PHR] Physical risk
- [PLB] Precautionary liquidity buffer
- [PRAC] Profitability reasons linked to attractive conditions
- [PRMO] Precautionary motive (to secure financing given the uncertainty on financial markets)
- [PROV] Provisions and impairments
- [PRT] Bank`s profitability target
- [PSR] Pressure related to supervisory or regulatory requirements
- [RCD] Impact of risk on the collateral demanded
- [REGR] Fulfilment of regulatory and supervisory requirements
- [RFR] Impact of regulatory and fiscal regime
- [RSK] Perception of risk
- [RSKL] Risk weighted assets of which Riskier loans
- [RTO] Impact of bank`s risk tolerance
- [RWA] Risk weighted assets
- [SDC] Impact of spending on durable consumer goods
- [SDWD] Refinancing - substituting deposit shortfalls
- [SEL] Substituting existing loans
- [SELO] Refinancing - substituting other Eurosystem liquidity operations
- [SIBL] Refinancing - substituting interbank lending
- [SMD] Refinancing - substituting maturing debt securities
- [SME] Small- and medium-sized enterprises
- [ST2] Refinancing - substituting TLTRO-II funding
- [STL] Short-term loans
- [SZL] Size of loans
- [TOIL] Impact of financial and sovereign debt crisis 2009 onwards
- [TOTA] Total assets
- [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)
- [Z] Not applicable
[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
- [BRE] Brown firms
- [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)
- [GRE] Green firms/enterprises
- [H] Loans for house purchase
- [LE] Large enterprises
- [LTL] Long-term loans
- [MMS] Interbank unsecured money market - short-term (more than one week)
- [MMV] Interbank unsecured money market - very short term (up to one week)
- [O] Overall
- [OM1] Other markets - product 1 (see OBS_COM)
- [OM2] Other markets - product 2 (see OBS_COM)
- [OM3] Other markets - product 3 (see OBS_COM)
- [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
- [STL] Short-term loans
- [TCR] Ability to transfer credit risk off balance sheet
- [TRE] Firms in transition
- [Z] Not applicable
[TIME_HORIZON] Time horizon
- [B12] Last 12 months
- [B3] Backward looking three months
- [B6] Backward looking six months
- [F12] Forward looking twelve months
- [F3] Forward looking three months
- [F6] Forward looking six months
- [LF] Future TLTROs
- [LN] Next to last TLTRO-III operation
- [LR] Most recent TLTRO
- [R03] From 1st quarter 2003 to present
- [R10] From 2nd quarter 2010 to present
- [R20] Over the first half of 2020
- [X01] From 2014 to 2017
[EFFECT_DOMAIN] Effect domain
- [AP] Expanded asset purchase programme
- [B3] CRR/CRD IV
- [BLV] Bank lending volume
- [BM] CRR/CRD IV, effect on credit margins
- [CC] Climate change impact
- [DG] Demand for loans with COVID-19 related government guarantees
- [DR] Negative deposit facility rate
- [DW] Demand for loans without government guarantees
- [MA] Margins on average loans
- [ML] Level of bank`s loan margins
- [MP] Monetary Policy rates
- [MR] Margins on riskier loans
- [NP] NPL impact on lending policy
- [RA] Share of rejected loan application
- [SG] Credit standards on loans on loans with COVID-19 related government guarantees
- [ST] Credit standards
- [SW] Credit standards on loans without government guarantees
- [T3] TLTRO III
- [TC] Credit terms and conditions
- [TG] Credit terms and conditions on loans with COVID-19 related government guarantees
- [TT] Two tier system
- [TW] Credit terms and conditions on loans without government guarantees
- [ZZ] Not applicable
[MARKET_ROLE] Market role
- [D] Loan demand
- [S] Loan supply
[BLS_AGG_METHOD] BLS aggregation method
- [BDINX] Diffusion index weighted with the share of each bank in the total loan outstanding amount of the banks in the BLS 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
- [DINX] Diffusion index
- [FNET] Net percentage (frequency of tightened minus that of eased or reverse)
- [WA] Weighted average
- [WDINX] Weighted diffusion index based on the share of each country in the total loan outstanding amounts of the area aggregate
- [WF1] Weighted avg frequency of 1 responses (considerably tightened / strongly negative / not participated / will not participate)
- [WF2] Weighted avg frequency of 2 responses (somewhat tightened / negative)
- [WF3] Weighted avg frequency of 3 responses (basically unchanged / o / undecided)
- [WF4] Weighted avg frequency of 4 responses (somewhat eased / positive)
- [WF5] Weighted avg frequency of 5 responses (considerably eased / strongly positive / participated / will participate)
- [WF6] Weighted avg frequency of 6 responses (tightest level)
- [WF7] Weighted avg frequency of 7 responses (level remained constant)
- [WF8] Weighted avg frequency of 8 responses (loosest level)
- [WFNA] Weighted avg frequency of not applicable responses
- [WFNET] 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
- [WSD] Weighted standard deviation estimate
Search filters
Frequency [FREQ] (1)
Reference area [REF_AREA] (21)
Bank selection [BANK_SELECTION] (1)
Bank lending survey item [BLS_ITEM] (122)
BLS contract counterpart [BLS_COUNT] (5)
BLS counterpart motivation [BLS_COUNT_DETAIL] (23)
Time horizon [TIME_HORIZON] (13)
Effect domain [EFFECT_DOMAIN] (23)
Market role [MARKET_ROLE] (2)
BLS aggregation method [BLS_AGG_METHOD] (17)
This dataset has 19,109 series:
| Series code | 2015-Q2 | 2015-Q3 | 2015-Q4 | 2016-Q1 | 2016-Q2 | 2016-Q3 | 2016-Q4 | 2017-Q1 | 2017-Q2 | 2017-Q3 | 2017-Q4 | 2018-Q1 | 2018-Q2 | 2018-Q3 | 2018-Q4 | 2019-Q1 | 2019-Q2 | 2019-Q3 | 2019-Q4 | 2020-Q1 | 2020-Q2 | 2020-Q3 | 2020-Q4 | 2021-Q1 | 2021-Q2 | 2021-Q3 | 2021-Q4 | 2022-Q1 | 2022-Q2 | 2022-Q3 | 2022-Q4 | 2023-Q1 | 2023-Q2 | 2023-Q3 | 2023-Q4 | 2024-Q1 | 2003-Q1 | 2003-Q2 | 2003-Q3 | 2003-Q4 | 2004-Q1 | 2004-Q2 | 2004-Q3 | 2004-Q4 | 2005-Q1 | 2005-Q2 | 2005-Q3 | 2005-Q4 | 2006-Q1 | 2006-Q2 | 2006-Q3 | 2006-Q4 | 2007-Q1 | 2007-Q2 | 2007-Q3 | 2007-Q4 | 2008-Q1 | 2008-Q2 | 2008-Q3 | 2008-Q4 | 2009-Q1 | 2009-Q2 | 2009-Q3 | 2009-Q4 | 2010-Q1 | 2010-Q2 | 2010-Q3 | 2010-Q4 | 2011-Q1 | 2011-Q2 | 2011-Q3 | 2011-Q4 | 2012-Q1 | 2012-Q2 | 2012-Q3 | 2012-Q4 | 2013-Q1 | 2013-Q2 | 2013-Q3 | 2013-Q4 | 2014-Q1 | 2014-Q2 | 2014-Q3 | 2014-Q4 | 2015-Q1 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| [Q.AT.ALL.BSC.E.Z.B3.TC.S.DINX] | 25 | 18.75 | 6.25 | 6.25 | 18.75 | 6.25 | 6.25 | 6.25 | -6.25 | 0 | -12.5 | 0 | -6.25 | -6.25 | 6.25 | 0 | 6.25 | 0 | 0 | -6.25 | 12.5 | 31.25 | 12.5 | 12.5 | 6.25 | 0 | 0 | -6.25 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| [Q.AT.ALL.BSC.E.Z.B3.TC.S.FNET] | 50 | 37.5 | 12.5 | 12.5 | 37.5 | 12.5 | 12.5 | 12.5 | -12.5 | 0 | -25 | 0 | -12.5 | -12.5 | 12.5 | 0 | 12.5 | 0 | 0 | -12.5 | 25 | 50 | 12.5 | 25 | 12.5 | 0 | 0 | -12.5 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| [Q.AT.ALL.BSC.H.C.B3.MA.S.DINX] | -7.142857074737549 | 0 | 0 | 0 | 0 | -7.142857074737549 | 0 | 0 | 0 | 0 | -7.142857074737549 | -7.142857074737549 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 7.142857074737549 | 7.142857074737549 | 7.142857074737549 | 0 | 0 | 0 | 0 | 0 | 0 | 7.142857074737549 | 7.142857074737549 | 7.142857074737549 | 7.142857074737549 | 0 | 0 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| [Q.AT.ALL.BSC.H.C.B3.MA.S.FNET] | -14.285714149475098 | 0 | 0 | 0 | 0 | -14.285714149475098 | 0 | 0 | 0 | 0 | -14.285714149475098 | -14.285714149475098 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 14.285714149475098 | 14.285714149475098 | 14.285714149475098 | 0 | 0 | 0 | 0 | 0 | 0 | 14.285714149475098 | 14.285714149475098 | 14.285714149475098 | 14.285714149475098 | 0 | 0 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| [Q.AT.ALL.BSC.H.C.B3.MR.S.DINX] | 0 | 14.285714149475098 | 7.142857074737549 | 7.142857074737549 | 7.142857074737549 | 0 | 0 | 0 | 0 | 0 | -7.142857074737549 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 7.142857074737549 | 7.142857074737549 | 7.142857074737549 | 0 | 0 | 0 | 0 | 0 | 0 | 7.142857074737549 | 7.142857074737549 | 7.142857074737549 | 7.142857074737549 | 0 | 0 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| [Q.AT.ALL.BSC.H.C.B3.MR.S.FNET] | 0 | 28.571428298950195 | 14.285714149475098 | 14.285714149475098 | 14.285714149475098 | 0 | 0 | 0 | 0 | 0 | -14.285714149475098 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 14.285714149475098 | 14.285714149475098 | 14.285714149475098 | 0 | 0 | 0 | 0 | 0 | 0 | 14.285714149475098 | 14.285714149475098 | 14.285714149475098 | 14.285714149475098 | 0 | 0 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| [Q.AT.ALL.BSC.H.C.B3.ST.S.DINX] | -7.142857074737549 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | NA | NA | NA | NA | NA | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 10 | 0 | 10 | 30 | 30 | 0 | 10 | -10 | -10 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 20 | 10 | 0 | 10 | 0 | 0 | 0 | 0 | 0 | -7.142857074737549 | 0 | 0 |
| [Q.AT.ALL.BSC.H.C.B3.ST.S.FNET] | -14.285714149475098 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | NA | NA | NA | NA | NA | NA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 20 | 0 | 20 | 60 | 60 | 0 | 20 | -20 | -20 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 40 | 20 | 0 | 20 | 0 | 0 | 0 | 0 | 0 | -14.285714149475098 | 0 | 0 |
| [Q.AT.ALL.BSC.H.C.B3.TC.S.DINX] | -7.142857074737549 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 7.142857074737549 | 7.142857074737549 | 7.142857074737549 | 0 | 0 | 0 | 0 | 0 | 7.142857074737549 | 7.142857074737549 | 14.285714149475098 | 14.285714149475098 | 7.142857074737549 | 0 | 0 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| [Q.AT.ALL.BSC.H.C.B3.TC.S.FNET] | -14.285714149475098 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 14.285714149475098 | 14.285714149475098 | 14.285714149475098 | 0 | 0 | 0 | 0 | 0 | 14.285714149475098 | 14.285714149475098 | 28.571428298950195 | 28.571428298950195 | 14.285714149475098 | 0 | 0 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
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