How has the availability of credit provided to the corporate sector overall changed?
Past three months
-0.7
0.1
-4.8
-0.8
7.5
2.6
Next three months
-5.0
-2.6
-0.8
2.2
6.0
8.5
of which: commercial real estate sector
Past three months
-6.2
-1.7
-10.2
-14.9
-9.5
4.9
Next three months
-7.4
-6.4
-8.5
-10.7
-11.0
6.6
How have commercial property prices affected credit availability to the commercial real estate sector, and/or secured lending to PNFCs?
Past three months
-29.6
-28.0
-29.1
-25.9
-28.5
-29.3
Next three months
-28.6
-10.5
-14.3
-13.1
-15.8
-17.2
Factors contributing to changes in credit availability: (b)
changing economic outlook
Past three months
1.7
2.2
4.3
4.5
6.9
5.8
Next three months
2.7
-7.9
4.8
4.1
12.4
6.8
changing sector-specific risks
Past three months
-8.3
5.8
7.9
0.8
4.1
0.9
Next three months
2.4
-1.2
11.0
-0.1
0.5
2.5
market share objectives
Past three months
0.0
0.0
0.0
0.0
5.8
0.7
Next three months
0.0
-2.3
0.0
0.9
6.8
8.9
market pressures from capital markets
Past three months
-1.6
0.0
0.0
0.9
0.0
1.6
Next three months
-1.6
-1.8
0.0
0.8
0.0
0.7
changing appetite for risk
Past three months
1.5
1.5
-1.0
2.4
5.6
3.7
Next three months
-2.8
-4.4
0.7
3.1
9.4
1.9
tight wholesale funding conditions
Past three months
0.0
-6.7
-5.9
0.0
0.0
0.7
Next three months
0.0
2.9
-2.1
-2.1
0.0
0.7
How has the availability of credit provided to small businesses changed?
Past three months
-3.1
-0.9
5.3
9.6
12.7
26.2
Next three months
-5.5
7.5
10.6
3.3
9.0
14.0
How has the availability of credit provided to medium PNFCs changed?
Past three months
-12.0
-0.8
-4.6
-0.8
2.8
4.1
Next three months
-4.8
-2.7
0.0
3.7
5.0
11.1
How has the availability of credit provided to large PNFCs changed?
Past three months
-1.8
-0.7
-1.6
0.9
4.9
5.7
Next three months
-0.9
-0.1
-0.9
1.7
5.4
13.9
How has the proportion of loan applications from small businesses being approved changed?
Past three months
-15.3
-12.0
11.1
7.3
8.4
21.4
Next three months
-9.1
7.5
8.2
4.3
13.3
11.5
How has the proportion of loan applications from medium PNFCs being approved changed?
Past three months
-3.8
-1.1
9.2
-0.7
-1.1
-1.9
Next three months
-16.7
-0.5
0.0
3.5
2.1
1.9
How has the proportion of loan applications from large PNFCs being approved changed?
Past three months
-2.5
-0.8
-1.6
-1.8
-2.0
-3.7
Next three months
-2.5
0.8
-0.9
0.0
-1.2
0.8
Has there been a change in average credit quality on newly arranged PNFC borrowing facilities? (c)
Past three months
-3.1
-1.0
4.0
1.2
-1.9
1.3
Next three months
-2.2
1.0
1.5
2.0
-1.2
-1.1
Has there been any change in ‘target hold’ levels associated with corporate lending?
Past three months
5.3
0.0
-0.7
0.0
0.0
0.0
Next three months
6.2
-2.6
2.0
0.0
-5.7
-6.7
How have loan tenors on new corporate loans changed? (d)
Past three months
-6.0
1.0
0.0
0.0
1.2
2.8
Next three months
-5.0
0.1
-0.9
-0.9
1.2
0.0
Has there been a change in draw-downs on committed lines by PNFCs?
Past three months
1.6
10.2
0.7
-7.6
-5.5
0.7
Next three months
-1.1
0.1
-3.5
-2.4
1.3
0.7
How has the default rate on loans to small businesses changed?
Past three months
11.2
11.6
-3.9
-15.6
4.7
5.0
Next three months
33.9
21.2
19.3
10.6
9.1
7.9
How has the default rate on loans to medium PNFCs changed?
Past three months
7.9
12.9
3.9
1.3
2.7
9.3
Next three months
17.1
19.5
3.2
5.1
7.8
15.6
How has the default rate on loans to large PNFCs changed?
Past three months
-1.0
0.7
-0.9
1.6
3.4
1.0
Next three months
18.0
2.8
2.6
0.0
4.1
3.4
How has loss given default on loans to small businesses changed?
Past three months
1.4
2.3
0.0
0.9
4.4
0.0
Next three months
2.1
2.3
0.0
0.9
1.5
4.1
How has loss given default on loans to medium PNFCs changed?
Past three months
1.2
8.0
4.0
0.8
3.8
0.0
Next three months
6.0
6.0
0.0
0.0
1.3
2.9
How has loss given default on loans to large PNFCs changed?
Past three months
0.0
5.6
0.0
0.0
3.6
0.9
Next three months
0.2
0.0
0.0
0.0
1.2
2.7
How has demand for credit card lending from small businesses changed?
Past three months
0.0
-11.9
-12.2
12.6
12.8
2.1
Next three months
0.0
0.0
0.0
0.0
0.0
10.7
How has demand for other unsecured lending from small businesses changed?
Past three months
-11.7
28.5
0.0
-4.4
-24.9
10.5
Next three months
-12.8
-14.3
15.2
4.4
15.6
18.7
How has demand for total unsecured lending from small businesses changed?
Past three months
-1.8
-5.9
-10.5
10.1
7.5
3.4
Next three months
-1.9
-2.1
2.2
0.6
2.2
11.9
How has demand for secured lending from small businesses changed?
Past three months
-14.2
-30.5
7.5
-6.8
-10.5
-16.0
Next three months
-21.6
7.6
-12.6
3.4
-28.9
16.0
How has overall demand for lending from small businesses changed?
Past three months
-17.1
-9.6
5.5
-0.1
-23.9
-2.6
Next three months
-3.5
-1.0
-3.8
-9.3
-1.6
-1.6
How has demand for lending from medium PNFCs changed?
Past three months
-12.9
-32.5
2.9
-8.0
-4.1
6.3
Next three months
-19.5
-3.9
-4.1
-7.1
3.4
1.4
How has demand for lending from large PNFCs changed?
Past three months
-0.6
-9.6
-9.4
-14.0
-8.4
5.8
Next three months
-17.6
-4.0
-4.0
-4.7
9.5
4.7
How has demand for lending from OFCs changed?
Past three months
7.0
6.3
-1.9
2.5
1.9
1.2
Next three months
5.2
3.2
0.0
0.0
7.0
1.2
What have been the main factors contributing to changes in demand for lending: (b)
mergers and acquisitions
Past three months
-17.9
-8.9
-24.3
-7.6
-3.3
14.5
Next three months
-6.6
-2.8
-10.2
1.1
6.8
8.9
capital investment
Past three months
-13.4
-6.4
-8.5
-5.4
-4.5
5.6
Next three months
-14.9
1.0
-6.9
-2.5
10.9
1.4
inventory finance
Past three months
24.8
-2.9
-0.7
-14.8
9.8
-1.8
Next three months
18.4
1.8
-3.8
-1.7
7.9
9.7
balance sheet restructuring
Past three months
-0.8
-1.0
-6.6
-3.1
0.3
-3.8
Next three months
-1.7
3.0
-4.4
2.6
0.9
-2.0
commercial real estate
Past three months
-34.1
-17.3
-30.3
-39.2
-14.6
-3.5
Next three months
-33.3
1.3
-21.3
-22.2
5.7
9.4
How have spreads on loans to small businesses changed? (c)
Past three months
-12.1
-4.6
10.6
12.0
0.0
-8.6
Next three months
0.0
8.4
10.6
-1.5
0.0
0.0
How have fees/commissions on loans to small businesses changed?
Past three months
0.0
1.3
0.0
0.0
0.0
0.0
Next three months
0.0
-1.3
0.0
0.0
0.0
0.0
How have collateral requirements for loans to small businesses changed?
Past three months
0.0
0.0
-4.4
10.5
4.1
10.2
Next three months
-4.6
-4.5
10.6
13.5
10.5
0.0
How have maximum credit lines for small businesses changed?
Past three months
-0.9
-0.9
-0.9
0.0
0.0
0.0
Next three months
-0.9
0.0
0.0
0.0
0.0
1.2
How have loan covenants for small businesses changed?
Past three months
0.2
4.3
0.0
0.0
0.0
0.0
Next three months
0.0
6.7
0.0
0.0
0.0
0.0
How have spreads on loans to medium PNFCs changed?
Past three months
-2.3
5.9
0.0
2.6
1.0
13.0
Next three months
0.0
-1.9
9.5
-0.5
1.0
0.9
How have fees/commissions on loans to medium PNFCs changed?
Past three months
0.0
1.1
0.0
0.0
0.0
0.8
Next three months
0.0
-1.1
0.0
0.0
6.1
6.0
How have collateral requirements for loans to medium PNFCs changed?
Past three months
0.0
0.0
-3.7
0.0
3.4
0.0
Next three months
-3.8
-3.8
0.0
3.5
0.0
0.0
How have maximum credit lines for medium PNFCs changed?
Past three months
-0.8
-0.8
-0.8
0.0
0.0
1.1
Next three months
-1.6
0.0
0.0
0.0
6.1
1.9
How have loan covenants for medium PNFCs changed?
Past three months
0.1
1.9
-0.8
0.0
0.0
0.0
Next three months
0.0
3.0
0.0
0.0
0.0
0.0
How have spreads on loans to large PNFCs changed?
Past three months
-27.8
-20.5
-10.7
-3.8
8.6
-2.9
Next three months
-26.3
-5.4
-11.4
4.5
3.7
3.6
How have fees/commissions on loans to large PNFCs changed?
Past three months
-27.6
-11.0
-8.6
-2.6
5.8
1.0
Next three months
-18.8
-0.8
-9.3
5.8
0.0
2.0
How have collateral requirements for loans to large PNFCs changed?
Past three months
-1.8
-7.6
0.0
-1.8
-1.8
-0.9
Next three months
-1.8
-2.0
0.0
-1.8
0.0
0.0
How have maximum credit lines for large PNFCs changed?
Past three months
1.0
9.7
-16.4
-9.8
0.7
1.0
Next three months
-8.8
0.0
-5.7
-1.0
-9.9
7.3
How have loan covenants for large PNFCs changed?
Past three months
-2.8
-3.7
0.0
-3.0
0.7
1.0
Next three months
-18.8
2.1
0.0
-2.1
0.0
2.7
How have spreads on loans to OFCs changed?
Past three months
-20.6
-23.8
-20.4
-25.6
-11.8
-9.3
Next three months
-27.5
-3.9
0.0
0.0
0.0
0.0
How have fees/commissions on loans to OFCs changed?
Past three months
-22.6
-21.7
-20.4
-19.5
-11.8
0.0
Next three months
-22.6
2.2
0.0
0.0
0.0
0.0
How have collateral requirements for loans to OFCs changed?
Past three months
-2.0
-2.2
0.0
0.0
0.0
0.0
Next three months
-2.0
-2.2
0.0
0.0
0.0
0.0
How have maximum credit lines for OFCs changed?
Past three months
-0.8
-12.7
-10.9
-10.5
-11.8
12.2
Next three months
5.3
-2.2
0.0
0.0
0.0
1.2
