Etichetă: loans

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Loans to non-financial corporations

As shown in the Bank Lending Survey – February 2020, published by the National Bank of Romania on March 2nd, in the final quarter of 2019, credit standards for non-financial corporations changed marginally, both at aggregate level and by company size and loan maturity. Most of the factors that may have a bearing on credit standards did not impact the latter. The only elements that played a role in the tightening of credit standards were the current or expected capital position of the bank, as well as the NBR’s monetary policy decisions and prudential measures.

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NBR – Bank Lending Survey

The National Bank of Romania has published the Bank Lending Survey – August 2019. The Survey is conducted on a quarterly basis by the NBR in January, April, July and October. It is based on a questionnaire (released as part of the May 2008 analysis) which is sent to the top 10 banks. These banks were selected based on their market share in terms of loans to companies and households, accounting for approximately 80 percent of the loan stock.

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New measures to address non-performing loans

On 18th of December, the European Parliament and the Council agreed a new framework for dealing with banks’ bad loans. They reached a provisional political agreement on capital requirements applying to banks with non-performing loans (NPLs) on their balance sheets. The deal will now be submitted for endorsement by EU ambassadors according to the Council’s press release.

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Area bank lending survey

The October 2018 bank lending survey – third quarter of 2018 has been published. The euro area bank lending survey (BLS) provides information on bank lending conditions in the euro area. It supplements existing statistics with information on the supply of and demand for loans to enterprises and households. The BLS provides input to the assessment of monetary and economic developments carried out by the ECB Governing Council in the process of making its monetary policy decisions.

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Credits standards for households

According to the Bank Lending Survey published by the National Bank of Romania, in 2017 Q2, banks tightened significantly credit standards for loans for house and land purchase as well as for consumer credit. Credit institutions pointed to the following determinants behind this evolution: the NBR’s monetary policy decisions or prudential measures, expectations regarding general economic context, requirements concerning the level of indebtedness, expectations regarding households’ financial standing and the risk on borrower’s creditworthiness.

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Developments in non-financial corporations’ main financial indicators

At aggregate level, according to companies polled, the main financial indicators remained largely steady in October 2016-March 2017, similarly to the developments seen in April-September 2016. The share of companies posting higher labour costs went up from the previous round (37 percent, from 31 percent).

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