Banco de España - Statistics

Bank lending survey

The Bank Lending Survey is an official quarterly survey that has been conducted in coordination by all the euro area national central banks and the European Central Bank (ECB) since January 2003.

The Survey aims to gain greater knowledge of bank lending conditions in the euro area and, in particular, of developments in banks' supply of loans, thereby complementing the information available on amounts and interest rates.

To this end, the Survey asks a representative group of credit institutions about the changes in their lending policies and perceived demand, distinguishing between three market segments: non-financial corporations, households for house purchase, and households for consumption and other purposes. They are likewise asked about their forecasts for the following three months.

Aggregate results for the euro area are regularly published on the ECB website. This page includes those for the participating Spanish institutions.

The tables and the CSV and ZIP files included on this page are updated as and when the information becomes available.

A) Loans or credit lines to non-financial corporations

B) Loans to households

C) Loans to non-financial corporations and households

A) Loans or credit lines to non-financial corporations

Net percentage

Changes in credit standards applied

Breakdown by size of enterprise and maturity of loan (questions 1 and 8) (table 1.1 of the BLS)

Contribution of the various factors

Non-financial corporations ("Overall"; question 2) (table 1.2 of the BLS)
Small and medium-sized enterprises (question 2) (table 1.3 of the BLS)
Large enterprises (question 2) (table 1.4 of the BLS)

Changes in terms and conditions

Non-financial corporations ("Overall"; question 3) (table 1.5 of the BLS)
Small and medium-sized enterprises (question 3) (table 1.6 of the BLS)
Large enterprises (question 3) (table 1.7 of the BLS)

Contribution of the various factors

Non-financial corporations (question 4) (table 1.8 of the BLS)

Changes in demand

Non-financial corporations, apart from normal seasonal fluctuations (questions 6 and 9) (table 1.9 of the BLS)

Contribution of the various factors

Non-financial corporations (question 7) (table 1.10 of the BLS)

Dissemination index

Changes in credit standards applied

Breakdown by size of enterprise and maturity of loan (questions 1 and 6) (table 2.1 of the BLS)

Contribution of the various factors

Non-financial corporations ("Overall"; question 2) (table 2.2 of the BLS)
Small and medium-sized enterprises (question 2) (table 2.3 of the BLS)
Large enterprises (question 2) (table 2.4 of the BLS)

Changes in terms and conditions

Non-financial corporations ("Overall"; question 3) (table 2.5 of the BLS)
Small and medium-sized enterprises (question 3) (table 2.6 of the BLS)
Large enterprises (question 3) (table 2.7 of the BLS)

Contribution of the various factors

Non-financial corporations (question 4) (table 2.8 of the BLS)

Changes in demand

Non-financial corporations, apart from normal seasonal fluctuations (questions 6 and 9) (table 2.9 of the BLS)

Contribution of the various factors

Non-financial corporations (question 7) (table 2.10 of the BLS)

B) Loans to households

Net percentage

Changes in credit standards applied

Breakdown (questions 10 and 21) (table 1.11 of the BLS)

Contribution of the various factors

Loans for house purchase (questions 11 and 14) (table 1.12a of the BLS)
Consumer credit and other lending (questions 11 and 14) (table 1.12b of the BLS)

Changes in terms and conditions

Loans for house purchase (questions 12 and 15) (table 1.13a of the BLS)
Consumer credit and other lending (questions 12 and 15) (table 1.13b of the BLS)

Contribution of the various factors

Loans for house purchase (question 13) (table 1.14 of the BLS)
Consumer credit and other lending (question 16) (table 1.15 of the BLS)

Changes in demand

Loans to households, apart from normal seasonal fluctuations (questions 18 and 22) (table 1.16 of the BLS)

Contribution of the various factors

Loans for house purchase (questions 19 and 20) (table 1.17a of the BLS)
Consumer credit and other lending (questions 19 and 20) (table 1.17b of the BLS)

Dissemination index

Breakdown (questions 10 and 21)

Breakdown (questions 10 and 21) (table 2.11 of the BLS)

Contribution of the various factors

Loans for house purchase (questions 11 and 14) (table 2.12a of the BLS)
Consumer credit and other lending (questions 11 and 14) (table 2.12b of the BLS)

Changes in terms and conditions

Loans for house purchase (questions 12 and 15) (table 2.13a of the BLS)
Consumer credit and other lending (questions 12 and 15) (table 2.13b of the BLS)

Contribution of the various factors

Loans for house purchase (question 13) (table 2.14 of the BLS)
Consumer credit and other lending (question 16) (table 2.15 of the BLS)

Changes in demand

Loans to households, apart from normal seasonal fluctuations (questions 18 and 22) (table 2.16 of the BLS)

Contribution of the various factors

Loans for house purchase (questions 19 and 20) (table 2.17a of the BLS)
Consumer credit and other lending (questions 19 and 20) (table 2.17b of the BLS)