BANCI | Noutati BCE

ECB: Results of the October 2015 euro area bank lending survey

Autor: Bancherul.ro
2015-10-20 23:52

Results of the October 2015 euro area bank lending survey (ECB statement):

Further improvement in borrowing conditions for businesses

Tighter borrowing conditions for households seeking housing loans
Further increase in demand for loans to businesses and for housing loans
ECB’s asset purchase programme continues to support bank lending
In the October 2015 bank lending survey (BLS), euro area banks reported a net easing of credit standards on loans to enterprises in the third quarter of 2015 (a net percentage of -4% of banks reported that credit standards had become tighter, after -3% in the previous quarter), which was stronger than banks’ expectations in the previous survey round.

Competitive pressures were the main factor behind the easing of credit standards on loans to enterprises. Banks reported a net tightening of credit standards on loans to households for house purchase (a net percentage of 5% of banks reported tightened standards, from -9% in the previous quarter), broadly in line with the expected tightening of standards in the previous survey. For loans to households for house purchase, the tightening was driven by a notable worsening of “other factors” reported by banks, in particular relating to national regulation, which offset the easing effect of competition on credit standards.

When negotiating on the conditions for new loans, banks continued to ease their terms and conditions on loans across all categories, mainly driven by a further narrowing of margins on average loans, i.e. there was a smaller margin or spread over market rates. As with credit standards, the main factor contributing to the easing in terms and conditions was competition.

Net demand for loans to enterprises increased, due mainly to the general level of interest rates, as well as to increased needs for fixed investments. Net demand for housing loans continued to increase due to the low level of interest rates and housing market prospects.

Regarding euro area banks’ access to retail and wholesale funding, access to funding improved for all main market instruments, while retail deposit funding deteriorated slightly.

Regarding the impact of the ECB’s expanded asset purchase programme (APP), banks continue to report that the additional liquidity from the APP is being used for granting loans. The APP had a net easing impact on credit standards and particularly on credit terms and conditions. The easing impact was greatest for loans to enterprises.

The BLS, which is conducted four times a year, was developed by the Eurosystem in order to enhance the understanding of banks’ lending behaviour in the euro area. The results reported in the October 2015 survey relate to changes in the third quarter of 2015 and to expectations of changes in the fourth quarter of 2015. The October 2015 BLS was conducted between 15 and 30 September 2015. With 141 banks participating in the survey, the response rate for the October 2015 BLS was 100%.

Source: ECB statement

Comentarii

Adauga un comentariu

Adauga un comentariu folosind contul de Facebook

Alte stiri din categoria: Noutati BCE

Banca Centrala Europeana (BCE) explica de ce a majorat dobanda la 2%

Banca Centrala Europeana (BCE) explica de ce a majorat dobanda la 2%, in cadrul unei conferinte de presa sustinute de Christine Lagarde, președinta BCE, si Luis de Guindos, vicepreședintele BCE. Iata textul publicat de BCE: DECLARAȚIE DE POLITICĂ MONETARĂ detalii

BCE creste dobanda la 2%, dupa ce inflatia a ajuns la 10%

Banca Centrala Europeana (BCE) a majorat dobanda de referinta pentru tarile din zona euro cu 0,75 puncte, la 2% pe an, din cauza cresterii substantiale a inflatiei, ajunsa la aproape 10% in septembrie, cu mult peste tinta BCE, de doar 2%. In aceste conditii, BCE a anuntat ca va continua sa majoreze dobanda de politica monetara. De asemenea, BCE a luat masuri pentru a reduce nivelul imprumuturilor acordate bancilor in perioada pandemiei coronavirusului, prin majorarea dobanzii aferente acestor facilitati, denumite operațiuni țintite de refinanțare pe termen mai lung (OTRTL). Comunicatul BCE Consiliul guvernatorilor a decis astăzi să majoreze cu 75 puncte de bază cele trei rate ale dobânzilor detalii

Dobânda pe termen lung a continuat să scadă in septembrie 2022. Ecartul față de Polonia și Cehia, redus semnificativ

Dobânda pe termen lung pentru România a scăzut în septembrie 2022 la valoarea medie de 8,07%, potrivit datelor publicate de Banca Centrală Europeană. Acest indicator, cu referința la un termen de 10 ani (10Y), a continuat astfel tendința detalii

Rata dobanzii pe termen lung pentru Romania, in crestere la 2,96%

Rata dobânzii pe termen lung pentru România a crescut la 2,96% în luna martie 2021, de la 2,65% în luna precedentă, potrivit datelor publicate de Banca Centrală Europeană. Acest indicator critic pentru plățile la datoria externă scăzuse anterior timp de șapte luni detalii

Vezi toate stirile

21.11.2024

1 EUR = lei
1 USD = lei

Sursa BNR

Profil de Bancher

Mihaela Valentina Turbureanu, Director General Adjunct - Management financiar, Operatiuni, Juridice, Credite persoane fizice si Administrarea creditelor
Credit Agricole Bank

... vezi profil

Toate Profilele

Profil de Banca

CEC Bank

vezi detalii

Toate Bancile

Filmul Parking, un cliseu plictisitor

Toate stirile

ING Bank

Toate stirile

Ultimele Comentarii

LOAN OFFER
Buna ziua Aceasta pentru a informa publicul larg că oferim împrumuturi celor care au nevoie de ... detalii
!
Greu cu limba romana! Ce legatura are cuvantul "ecosistem" din limba romana cu sistemul de plati ... detalii
Bancnote vechi
Am 2 bancnote vechi:1-1000000lei;2-5000000lei Anul ... detalii
Bancnote vechi
Numar de ... detalii
Bancnote vechi
Am 3 bancnote vechi:1-1000000lei;1-5000lei;1-100000;mai multe bancnote cu eclipsa de ... detalii

Nume	*
E-mail	*
E-mail prieten	*
Mesaj
Cod validare	*
	Tastati codul din imagine (doar cifre)
	195.154.184.126