January 2023 Bank Lending Survey in Spain
Rationale. This article summarises the main results of the Bank Lending Survey for 2022 Q4 and the expectations for 2023 Q1. It also analyses matters related to funding market access and the impact of other factors on responding banks’ lending policy.Takeaways. •According to the Bank Lending Survey,...
| Autores: | , |
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| Tipo de documento: | artigo |
| Data de publicação: | 2023 |
| País: | España |
| Recursos: | Banco de España |
| Repositório: | Repositorio Institucional del Banco de España |
| OAI Identifier: | oai:repositorio.bde.es:123456789/29552 |
| Acesso em linha: | https://repositorio.bde.es/handle/123456789/29552 |
| Access Level: | Acceso aberto |
| Palavra-chave: | Funding Credit Loan supply Loan demand Credit standards Terms and conditions for loans Financial markets Créditos E51 E52 G21 |
| Resumo: | Rationale. This article summarises the main results of the Bank Lending Survey for 2022 Q4 and the expectations for 2023 Q1. It also analyses matters related to funding market access and the impact of other factors on responding banks’ lending policy.Takeaways. •According to the Bank Lending Survey, in 2022 Q4 credit standards tightened across the board in Spain for the third consecutive quarter. •Loan demand fell in the two household segments (house purchase and consumer credit and other lending), while demand from enterprises grew slightly, driven by their greater financing needs for working capital and inventories. •For 2023 Q1, banks once again expect loan supply to contract and loan demand to fall across the board. |
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