欧洲央行-欧元区银行贷款调查问卷1（英）

EUROPEANCENTRALBANK

EUROSYSTEM

Banklendingsurveyfortheeuroarea

TheQuestionnaire1

(RevisedversionintroducedinApril2024)

1Seethe

Annex

oftheBLSwebsitereportfortheadhocquestions.

Banklendingsurveyfortheeuroarea–Thequestionnaire,April2024

2

1Loansorcreditlinestoenterprises

1.Overthepastthreemonths,howhaveyourbank’screditstandards(1)asappliedtotheapprovalofloansorcreditlinestoenterprises(2,3,4)changed?Pleasenotethatweareaskingaboutthechangeincreditstandards,ratherthanabouttheirlevel.

Overall

Loanstosmalland

medium-sized

enterprises(5)

Loanstolarge

enterprises(5)

Short-termloans(6)

Long-termloans(6)

Tightenedconsiderably

Tightenedsomewhat

Remainedbasicallyunchanged

Easedsomewhat

Easedconsiderably

N/A(7)

(1)SeeGlossary

onCreditstandards.

(2)SeeGlossary

onLoans.

(3)SeeGlossary

onCreditline.

(4)SeeGlossary

onEnterprises.

(5)SeeGlossary

onEnterprisesize.

(6)SeeGlossary

onMaturity.

(7)Pleaseselect

“N/A”(notapplicable)onlyifyoudonothaveanybusinessinorexposuretotherespectivelendingcategory.

Banklendingsurveyfortheeuroarea–Thequestionnaire,April2024

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2.Overthepastthreemonths,howhavethefollowingfactorsaffectedyourbank’screditstandardsasappliedto

theapprovalofloansorcreditlinestoenterprises(asdefinedinthenotestoquestion1)?Pleaseratethecontributionofthefollowingfactorstothetighteningoreasingofcreditstandardsusingthefollowingscale:

––=contributedconsiderablytotighteningofcreditstandards

–=contributedsomewhattotighteningofcreditstandards

°=contributedtokeepingcreditstandardsbasicallyunchanged+=contributedsomewhattoeasingofcreditstandards

++=contributedconsiderablytoeasingofcreditstandards

N/A=notapplicable

Impactonyourbank'screditstandards

Overallimpactonyourbank'screditstandards

Impactonyourbank'screditstandardsforloanstolargeenterprises

forloanstosmallandmedium-sized

enterprises

N/A

(7)

N/A

(7)

N/A

(7)

°

°

°

+++

+++

–––

–––

–––

+++

A)Costoffundsandbalancesheetconstraints(1)

Yourbank’scapitalandthecosts

relatedtoyourbank’scapital

position(2)

Yourbank’sabilitytoaccessmarketfinancing(e.g.moneyorbondmarket

financing,incl.true-sale

securitisation(3))

Yourbank’sliquidityposition

B)Pressurefromcompetition

Competitionfromotherbanks

Competitionfromnon-banks(4)

Competitionfrommarketfinancing

C)Perceptionofrisk(5)

Generaleconomicsituationand

outlook

Industryorfirm-specificsituationandoutlook/borrower'screditworthiness(6)

Riskrelatedtothecollateral

demanded

D)Yourbank'srisktolerance(5)

Yourbank'srisktolerance

E)Otherfactors,pleasespecify

(1)SeeGlossaryonCostoffundsandbalancesheetconstraints.

(2)Caninvolvetheuseofcreditderivatives,withtheloansremainingonthebank’sbalancesheet.

(3)Involvesthesaleofloansfromthebank’sbalancesheet,i.e.off-balancesheetfunding.

(4)SeeGlossaryonNon-banks.

(5)SeeGlossaryonPerceptionofriskandrisktolerance.

(6)Risksrelatedtonon-performingloansmaybereflectednotonlyinthe"industryorfirm-specificsituationandoutlook/borrower'screditworthiness",butalsointhebank's"costoffundsandbalancesheetconstraints".

(7)Pleaseselect“N/A”(notapplicable)onlyifyoudonothaveanybusinessinorexposuretotherespectivelendingcategory.

Banklendingsurveyfortheeuroarea–Thequestionnaire,April2024

4

Loanstosmallandmedium-sizedenterprises

Overall

Loanstolargeenterprises

3.Overthepastthreemonths,howhaveyourbank’stermsandconditions(1)fornewloansorcreditlinesto

enterpriseschanged?Pleaseratetheoveralltermsandconditionsforthisloancategoryandeachfactorusingthefollowingscale:

––=tightenedconsiderably

–=tightenedsomewhat

○=remainedbasicallyunchanged+=easedsomewhat

++=easedconsiderably

N/A=notapplicable

––

–

°

+

++

N/A(6)

––

–

°

+

++

N/A(6)

––

–

°

+

++

N/A(6)

A)Overalltermsandconditions(1)

Overalltermsandconditions

B)Interestratesandmargins

Yourbank'slendingrates(higher

rate=tightened,lowerrate=

eased)

Yourbank’sloanmargin(i.e.the

spreadoverarelevantmarket

referencerate)onaverageloans

(widerspread=tightened,narrowerspread=eased)(2)

Yourbank’sloanmargin(i.e.the

spreadoverarelevantmarket

referencerate)onriskierloans

C)Othertermsandconditions

Non-interestratecharges(3)

Sizeoftheloanorcreditline

Collateral(4)requirements

Loancovenants(5)

Maturity

D)Otherfactors,pleasespecify

(1)SeeGlossaryonCredittermsandconditions.

(2)SeeGlossaryonLoanmargin/spreadoverarelevantmarketreferencerate.

(3)SeeGlossaryonNon-interestratecharges.

(4)SeeGlossaryonCollateral.

(5)SeeGlossaryonCovenant.

(6)Pleaseselect“N/A”(notapplicable)onlyifyouhavenotgrantedanynewloansorcreditlinesintherespectivelendingcategoryoverthepastthreemonths.

Banklendingsurveyfortheeuroarea–Thequestionnaire,April2024

5

4.Overthepastthreemonths,howhavethefollowingfactors(1)affectedyourbank’scredittermsandconditionsas

appliedtonewloansorcreditlinestoenterprises(asdefinedinthenotestoquestion3)?Pleaseratethe

contributionofthefollowingfactorstothetighteningoreasingofcredittermsandconditionsusingthefollowingscale:

––=contributedconsiderablytotighteningofcredittermsandconditions/contributedconsiderablytowideningofmargins

–=contributedsomewhattotighteningofcredittermsandconditions/contributedsomewhattowideningofmargins

○=contributedtokeepingcredittermsandconditionsbasicallyunchanged/contributedtokeepingmarginsbasicallyunchanged+=contributedsomewhattoeasingofcredittermsandconditions/contributedsomewhattonarrowingofmargins

++=contributedconsiderablytoeasingofcredittermsandconditions/contributedconsiderablytonarrowingofmargins

N/A=notapplicable

ofwhich:

Impactonyourbank’smarginonaverageloans

Impactonyourbank’smarginonriskierloans

Overallimpactonyourbank’scredit

termsandconditions

––

–

°

+

++

N/A(2)

––

–

°

+

++

N/A(2)

––

–

°

+

++

N/A(2)

A)Costoffundsandbalancesheetconstraints

Yourbank’scapitalandthecostsrelated

toyourbank’scapitalposition

Yourbank’sabilitytoaccessmarket

financing(e.g.moneyorbondmarketfinancing,incl.true-salesecuritisation)

Yourbank’sliquidityposition

B)Pressurefromcompetition

Competitionfromotherbanks

Competitionfromnon-banks

Competitionfrommarketfinancing

C)Perceptionofrisk

Generaleconomicsituationandoutlook

Industryorfirm-specificsituationandoutlook/borrower'screditworthiness

Riskrelatedtothecollateraldemanded

D)Yourbank'srisktolerance

Yourbank'srisktolerance

E)Otherfactors,pleasespecify

(1)Thefactorsrefertothesamesub-factorsasinquestion2.

(2)Pleaseselect“N/A”(notapplicable)onlyifyouhavenotgrantedanynewloansorcreditlinesintherespectivelendingcategoryoverthepastthreemonths.

Banklendingsurveyfortheeuroarea–Thequestionnaire,April2024

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Loanstosmallandmedium-sizedenterprises

Overall

Loanstolargeenterprises

5.Overthepastthreemonths(apartfromnormalseasonalfluctuations),hastheshareofformalandinformalenterpriseloanapplications(1)thatwerecompletelyrejected(2)byyourbankincreased,remainedunchangedordecreased(loanvolume,relativetothetotalvolumeofloanapplicationsinthatloancategory)?

Shareofrejectedapplications

Decreasedconsiderably

Decreasedsomewhat

Remainedbasicallyunchanged

Increasedsomewhat

Increasedconsiderably

N/A(3)

(1)SeeGlossaryonLoanapplication.

(2)SeeGlossaryonLoanrejection.

(3)Pleaseselect“N/A”(notapplicable)onlyifyouhavenotreceivedanyloanapplicationsintherespectivelendingcategoryoverthepastthreemonths.

6.Overthepastthreemonths(apartfromnormalseasonalfluctuations),howhasthedemandforloans(1)orcreditlines(2)toenterpriseschangedatyourbank?Pleaserefertothefinancingneedofenterprisesindependentof

whetherthisneedwillresultinaloanornot.

Overall

Loanstosmalland

medium-sized

enterprises

Loanstolarge

enterprises

Short-termloans

Long-termloans

Decreasedconsiderably

Decreasedsomewhat

Remainedbasicallyunchanged

Increasedsomewhat

Increasedconsiderably

N/A(3)

(1)SeeGlossaryonDemandforloans.

(2)SeeGlossaryonCreditline.

(3)Pleaseselect“N/A”(notapplicable)onlyifyoudonothaveanybusinessinorexposuretotherespectivelendingcategory.

Banklendingsurveyfortheeuroarea–Thequestionnaire,April2024

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7.Overthepastthreemonths,howhavethefollowingfactorsaffectedtheoveralldemandforloansorcreditlinestoenterprises(asdefinedinthenotestoquestion6)?Pleaserateeachpossiblefactorusingthefollowingscale:

––=contributedconsiderablytolowerdemand

–=contributedsomewhattolowerdemand

○=contributedtokeepingdemandbasicallyunchanged+=contributedsomewhattohigherdemand

++=contributedconsiderablytohigherdemand

N/A=notapplicable

Overall

Loanstolargeenterprises

Loanstosmallandmedium-sized

enterprises

––

–

°

+

++

N/A(3)

––

–

°

+

++

N/A(3)

––

–

°

+

++

N/A(3)

A)Financingneeds/underlyingdriversorpurposeofloandemand

Fixedinvestment

Inventoriesandworkingcapital

Mergers/acquisitionsandcorporate

restructuring

Generallevelofinterestrates

Debtrefinancing/restructuringand

renegotiation(1)(whenleadingtoan

increaseorprolongationoftheamount

borrowed)

B)Useofalternativefinance

Internalfinancing

Loansfromotherbanks

Loansfromnon-banks

Issuance/redemptionofdebtsecurities

Issuance/redemptionofequity

C)Otherfactors,pleasespecify(2)

(1)SeeGlossaryonDebtrefinancing/restructuringandrenegotiation.

(2)SeeGlossaryonMarketingcampaigns.

(3)Pleaseselect“N/A”(notapplicable)onlyifyoudonothaveanybusinessinorexposuretotherespectivelendingcategory.

8.Pleaseindicatehowyouexpectyourbank’screditstandardsasappliedtotheapprovalofloansorcreditlinestoenterprisestochangeoverthenextthreemonths.Pleasenotethatweareaskingaboutthechangeincreditstandards,ratherthanabouttheirlevel.

Overall

Loanstosmalland

medium-sized

enterprises

Loanstolarge

enterprises

Short-termloans

Long-termloans

Tightenconsiderably

Tightensomewhat

Remainbasicallyunchanged

Easesomewhat

Easeconsiderably

N/A(1)

(1)Pleaseselect“N/A”(notapplicable)onlyifyoudonothaveanybusinessinorexposuretotherespectivelendingcategory.

Banklendingsurveyfortheeuroarea–Thequestionnaire,April2024

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9.Pleaseindicatehowyouexpectdemandforloansorcreditlinestoenterprisestochangeatyourbankoverthenextthreemonths(apartfromnormalseasonalfluctuations)?Pleaserefertothefinancingneedofenterprises

independentofwhetherthisneedwillresultinaloanornot.

Overall

Loanstosmalland

medium-sized

enterprises

Loanstolarge

enterprises

Short-termloans

Long-termloans

Decreaseconsiderably

Decreasesomewhat

Remainbasicallyunchanged

Increasesomewhat

Increaseconsiderably

N/A(1)

(1)Pleaseselect“N/A”(notapplicable)onlyifyoudonothaveanybusinessinorexposuretotherespectivelendingcategory.

Banklendingsurveyfortheeuroarea–Thequestionnaire,April2024

9

2Loanstohouseholds

10.Overthepastthreemonths,howhaveyourbank’screditstandards(1)asappliedtotheapprovalofloans(2)tohouseholds(3)changed?Pleasenotethatweareaskingaboutthechangeincreditstandards,ratherthanabouttheirlevel.

Loansforhousepurchase

Consumercreditandotherlending(4)

Tightenedconsiderably

Tightenedsomewhat

Remainedbasicallyunchanged

Easedsomewhat

Easedconsiderably

N/A(5)

(1)SeeGlossaryonCreditstandards.

(2)SeeGlossaryonLoans.

(3)SeeGlossaryonHouseholds.

(4)SeeGlossaryonConsumercreditandotherlending.

(5)Pleaseselect“N/A”(notapplicable)onlyifyoudonothaveanybusinessinorexposuretotherespectivelendingcategory.

Banklendingsurveyfortheeuroarea–Thequestionnaire,April2024

10

11.Overthepastthreemonths,howhavethefollowingfactorsaffectedyourbank’screditstandardsasappliedtotheapprovalofloanstohouseholdsforhousepurchase(asdefinedinthenotestoquestion10)?Pleaseratethecontributionofthefollowingfactorstothetighteningoreasingofcreditstandardsusingthefollowingscale:

––=contributedconsiderablytotighteningofcreditstandards

–=contributedsomewhattotighteningofcreditstandards

○=contributedtokeepingcreditstandardsbasicallyunchanged+=contributedsomewhattoeasingofcreditstandards

++=contributedconsiderablytoeasingofcreditstandards

N/A=notapplicable

––

–

°

+

++

N/A(8)

A)Costoffundsandbalancesheetconstraints(1)

Yourbank’scapitalandthecostsrelatedtoyourbank’scapitalposition(2)

Yourbank’sabilitytoaccessmarket

financing(e.g.moneyorbondmarket

financing,incl.true-salesecuritisation(3))

Yourbank’sliquidityposition

B)Pressurefromcompetition

Competitionfromotherbanks

Competitionfromnon-banks(4)

C)Perceptionofrisk(5)

Generaleconomicsituationandoutlook

Housingmarketprospects,includingexpectedhousepricedevelopments(6)

Borrower’screditworthiness(7)

D)Yourbank'srisktolerance(5)

Yourbank'srisktolerance

E)Otherfactors,pleasespecify

(1)SeeGlossaryonCostoffundsandbalancesheetconstraints.

(2)Caninvolvetheuseofcreditderivatives,withtheloansremainingonthebank’sbalancesheet.

(3)Involvesthesaleofloansfromthebank’sbalancesheet,i.e.off-balancesheetfunding.

(4)SeeGlossaryonNon-banks.

(5)SeeGlossaryonPerceptionofriskandrisktolerance.

(6)SeeGlossaryonHousingmarketprospects,includingexpectedhousepricedevelopments.

(7)Risksrelatedtonon-performingloansmaybereflectednotonlyinthe"borrower'screditworthiness",butalsointhebank's"costoffundsandbalancesheetconstraints".(8)Pleaseselect“N/A”(notapplicable)onlyifyoudonothaveanybusinessinorexposuretotherespectivelendingcategory.

Banklendingsurveyfortheeuroarea–Thequestionnaire,April2024

11

12.Overthepastthreemonths,howhaveyourbank’stermsandconditions(1)fornewloanstohouseholdsforhousepurchasechanged?Pleaseratetheoveralltermsandconditionsforthisloancategoryandeachfactorusingthefollowingscale:

––=tightenedconsiderably

–=tightenedsomewhat

○=remainedbasicallyunchanged+=easedsomewhat

++=easedconsiderably

N/A=notapplicable

––

–

°

+

++

N/A(6)

A)Overalltermsandconditions

Overalltermsandconditions

B)Interestratesandmargins

Yourbank'slendingrates(higherrate=tightened,lowerrate=eased)

Yourbank’sloanmargin(i.e.thespreadovera

relevantmarketreferencerate)onaverageloans(widerspread=tightened,narrowerspread=

eased)(2)

Yourbank’sloanmargin(i.e.thespreadoverarelevantmarketreferencerate)onriskierloans

C)Othertermsandconditions

Collateral(3)requirements

"Loan-to-value"ratio(4)

Otherloansizelimits

Maturity

Non-interestratecharges(5)

D)Otherfactors,pleasespecify

(1)SeeGlossaryonCredittermsandconditions.

(2)SeeGlossaryonLoanmargin/spreadoverarelevantmarketreferencerate.

(3)SeeGlossaryonCollateral.

(4)SeeGlossaryonLoan-to-valueratio.

(5)SeeGlossaryonNon-interestratecharges.

(6)Pleaseselect“N/A”(notapplicable)onlyifyouhavenotgrantedanynewloansintherespectivelendingcategoryoverthepastthreemonths.

Banklendingsurveyfortheeuroarea–Thequestionnaire,April2024

12

13.Overthepastthreemonths,howhavethefollowingfactors(1)affectedyourbank’scredittermsandconditionsasappliedtonewloanstohouseholdsforhousepurchase(asdefinedinthenotestoquestion12)?Pleaserate

thecontributionofthefollowingfactorstothetighteningoreasingofcredittermsandconditionsusingthefollowingscale:

––=contributedconsiderablytotighteningofcredittermsandconditions/contributedconsiderablytowideningofmargins

–=contributedsomewhattotighteningofcredittermsandconditions/contributedsomewhattowideningofmargins

○=contributedtokeepingcredittermsandconditionsbasicallyunchanged/contributedtokeepingmarginsbasicallyunchanged+=contributedsomewhattoeasingofcredittermsandconditions/contributedsomewhattonarrowingofmargins

++=contributedconsiderablytoeasingofcredittermsandconditions/contributedconsiderablytonarrowingofmargins

N/A=notapplicable

ofwhich:

Impactonyourbank’smarginonaverageloans

Impactonyourbank’smarginonriskierloans

Overallimpactonyourbank’screditterms

andconditions

–––°+++N/A(2)–––°+++N/A(2)–––°+++N/A(2)

A)Costoffundsandbalancesheetconstraints

Yourbank’scapitalandthecosts

relatedtoyourbank’scapital

position

Yourbank’sabilitytoaccess

marketfinancing(e.g.moneyorbondmarketfinancing,incl.true-salesecuritisation)

Yourbank’sliquidityposition

B)Pressurefromcompetition

Pressurefromcompetition

C)Perceptionofrisk

Perceptionofrisk

D)Yourbank'srisktolerance

Yourbank'srisktolerance

E)Otherfactors,pleasespecify

(1)Thefactorsrefertothesamesub-factorsasinquestion11.

(2)Pleaseselect“N/A”(notapplicable)onlyifyouhavenotgrantedanynewloansintherespectivelendingcategoryoverthepastthreemonths.

Banklendingsurveyfortheeuroarea–Thequestionnaire,April2024

13

14.Overthepastthreemonths,howhavethefollowingfactorsaffectedyourbank’screditstandardsasappliedtotheapprovalofconsumercreditandotherlendingtohouseholds(asdefinedinthenotestoquestion10)?Pleaseratethecontributionofthefollowingfactorstothetighteningoreasingofcreditstandardsusingthefollowing

scale:

––=contributedconsiderablytotighteningofcreditstandards

–=contributedsomewhattotighteningofcreditstandards

○=contributedtokeepingcreditstandardsbasicallyunchanged+=contributedsomewhattoeasingofcreditstandards

++=contributedconsiderablytoeasingofcreditstandards

N/A=notapplicable

––

–

°

+

++

N/A(2)

A)Costoffundsandbalancesheetconstraints

Yourbank’scapitalandthecostsrelatedtoyourbank’scapitalposition

Yourbank’sabilitytoaccessmarketfinancing(e.g.moneyorbondmarketfinancing,incl.

true-salesecuritisation)

Yourbank’sliquidityposition

B)Pressurefromcompetition

Competitionfromotherbanks

Competitionfromnon-banks

C)Perceptionofrisk

Generaleconomicsituationandoutlook

Creditworthinessofconsumers(1)

Riskonthecollateraldemanded

D)Yourbank'srisktolerance

Yourbank'srisktolerance

E)Otherfactors,pleasespecify

(1)Risksrelatedtonon-performingloansmaybereflectednotonlyinthe"creditworthinessofconsumers",butalsointhebank's"costoffundsandbalancesheetconstraints".(2)Pleaseselect“N/A”(notapplicable)onlyifyoudonothaveanybusinessinorexposuretotherespectivelendingcategory.

Banklendingsurveyfortheeuroarea–Thequestionnaire,April2024

14

15.Overthepastthreemonths,howhaveyourbank’stermsandconditionsfornewconsumercreditandotherlendingtohouseholdschanged?Pleaseratetheoveralltermsandconditionsforthisloancategoryandeach

factorusingthefollowingscale:

––=tightenedconsiderably

–=tightenedsomewhat

○=remainedbasicallyunchanged+=easedsomewhat

++=easedconsiderably

N/A=notapplicable

––

–

°

+

++

N/A(1)

A)Overalltermsandconditions

Overalltermsandconditions

B)Interestratesandmargins

Yourbank'slendingrates(higherrate=tightened,lowerrate=eased)

Yourbank’sloanmargin(i.e.thespreadovera

relevantmarketreferencerate)onaverageloans

(widerspread=tightened,narrowerspread=eased)

Yourbank’sloanmargin(i.e.thespreadoverarelevantmarketreferencerate)onriskierloans

C)Othertermsandconditions

Collateralrequirements

Sizeoftheloan

Maturity

Non-interestratecharges

D)Otherfactors,pleasespecify

(1)Pleaseselect“N/A”(notapplicable)onlyifyouhavenotgrantedanynewloansintherespectivelendingcategoryoverthepastthreemonths.

Banklendingsurveyfortheeuroarea–Thequestionnaire,April2024

15

16.Overthepastthreemonths,howhavethefollowingfactors(1)affectedyourbank’scredittermsandconditionsasappliedtonewconsumercreditandotherlendingtohouseholds(asdefinedinthenotestoquestion12)?

Pleaseratethecontributionofthefollowingfactorstothetighteningoreasingofcredittermsandconditionsusingthefollowingscale:

––=contributedconsiderablytotighteningofcredittermsandconditions/contributedconsiderablytowideningofmargins

–=contributedsomewhattotighteningofcredittermsandconditions/contributedsomewhattowideningofmargins

○=contributedtokeepingcredittermsandconditionsbasicallyunchanged/contributedtokeepingmarginsbasicallyunchanged+=contributedsomewhattoeasingofcredittermsandconditions/contributedsomewhattonarrowingofmargins

++=contributedconsiderablytoeasingofcredittermsandconditions/contributedconsiderablytonarrowingofmargins

N/A=notapplicable

ofwhich:

Impactonyourbank’smarginonaverageloans

Impactonyourbank’smarginonriskierloans

Overallimpactonyourbank’scredit

termsandconditions

N/A

(2)

N/A

(2)

N/A

(2)

°

°

+++

+++

–––

–––

–––°+++

A)Costoffundsandbalancesheetconstraints

Yourbank’scapitalandthecostsrelatedtoyour

bank’scapitalposition

Yourbank’sabilitytoaccessmarketfinancing

(e.g.moneyorbondmarketfinancing,incl.true-salesecuritisation)

Yourbank’sliquidityposition

B)Pressurefromcompetition

Pressurefromcompetition

C)Perceptionofrisk

Perceptionofrisk

D)Yourbank'srisktolerance

Yourbank'srisktolerance

E)Otherfactors,pleasespecify

(1)Thefactorsrefertothesamesub-factorsasinquestion14.

(2)Pleaseselect“N/A”(notapplicable)onlyifyouhavenotgrantedanynewloansintherespectivelendingcategoryoverthepastthreemonths.

17.Overthepastthreemonths(apartfromnormalseasonalfluctuations),hastheshareofformalandinformalhouseholdloanapplications(1)thatwerecompletelyrejected(2)byyourbankincreased,remainedunchangedordecreased(loanvolume,relativetothetotalvolumeofloanapplicationsinthatloancategory)?

Shareofrejectedapplications

LoansforhousepurchaseConsumercreditandotherlending

Decreasedconsiderably

Decreasedsomewhat

Remainedbasicallyunchanged

Increasedsomewhat

Increasedconsiderably

N/A(3)

(1)SeeGlossaryonLoanapplication.

(2)SeeGlossaryonLoanrejection.

(3)Pleaseselect“N/A”(notapplicable)onlyifyouhavenotreceivedanyloanapplicationsintherespectivelendingcategoryoverthepastthreemonths.

Banklendingsurveyfortheeuroarea–Thequestionnaire,April2024

16

18.Overthepastthreemonths(apartfromnormalseasonalfluctuations),howhasthedemandforloans(1)to

householdschangedatyourbank?Pleaserefertothefinancingneedofhouseholdsindependentofwhetherthisneedwillresultinaloanornot.

Loansforhousepurchase

Consumercreditandotherlending

Decreasedconsiderably

Decreasedsomewhat

Remainedbasicallyunchanged

Increasedsomewhat

Increasedconsiderably

N/A(2)

(1)SeeGlossaryonDemandforloans.

(2)Pleaseselect“N/A”(notapplicable)onlyifyoudonothaveanybusinessinorexposuretotherespectivelendingcategory.

19.Overthepastthreemonths,howhavethefollowingfactorsaffectedthedemandforloanstohouseholdsforhousepurchase(asdefinedinthenotestoquestion18)?Pleaserateeachfactorusingthefollowingscale:

––=contributedconsiderablytolowerdemand

–=contributedsomewhattolowerdemand

○=contributedtokeepingdemandbasicallyunchanged+=contributedsomewhattohigherdemand

++=contributedconsiderablytohigherdemand

N/A=notapplicable

––

–

°

+

++

N/A(5)

A)Financingneeds/underlyingdriversorpurposeofloandemand

Housingmarketprospects,includingexpectedhousepricedevelopments

Consumerconfidence(1)

Generallevelofinterestrates

Debtrefinancing/restructuringandrenegotiation(whenleadingtoanincreaseorprolongationoftheamount

borrowed)(2)

*Regulatoryandfiscalregimeofhousingmarkets

B)Useofalternativesourcesforhousingfinance(substitutioneffects)

Internalfinanceofhousepurchaseoutof

savings/downpayment(i.e.sharefinancedviathehousehold’sownfunds)(3)

Loansfromotherbanks

Othersourcesofexternalfinance

C)Otherfactors,pleasespecify(4)

(1)SeeGlossaryonConsumerconfidence.