narrowing of the margins on average loans, except for the Netherlands where banks indicated a widening of these margin

In addition, banks again reported a slight narrowing of their margins on riskier loans to enterprises. Euro area banks also reported, in ne...
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easing impact on credit standards for loans to enterprises after a slight net tightening impact in the previous quarter (-1%, from 2%)

More specifically, banks’ cost of funds and balance sheet constraints contributed further to an easing of credit standards for loans to ent...
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For the fourth quarter of 2014, banks reported a net easing of credit standards on loans to nonfinancial corporations (specifically, a net percentage of -5%, from -2% in the previous quarter

DEVELOPMENTS IN CREDIT STANDARDS AND NET DEMAND FOR LOANS IN THE EURO AREA 2.1  ENTERPRISES 2.1.1  CREDIT STANDARDS FOR LOANS TO ENTERPRI...
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the first step, banks’ replies can either be aggregated to national results by applying an implicit weighting through the sample selection or, alternatively, banks’ replies can be

countries, and in a second step, the national BLS results are aggregated to euro area BLS results. In the first step, banks’ replies can ei...
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The bank lending survey (BLS) is addressed to senior loan officers of a representative sample of euro area banks

The bank lending survey (BLS) is addressed to senior loan officers of a representative sample of euro area banks. In the current survey rou...
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For housing loans, net loan demand was particularly positive in the Netherlands, Italy and Germany and to a lesser extent in Spain, while remaining unchanged in France down from a strong increase in the previous quarter.

Germany and Spain and continuing to tighten in the Netherlands. For housing loans, banks reported a noticeable net easing of credit standar...
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