Financing and financial information of financial intermediaries   >   (CF846) - Factors Related to the Demand and / or Credit Offer
  Financing and financial information of financial intermediaries     (CF846) - Factors Related to the Demand and / or Credit Offer

Period: Jan-Mar 2015 - Jan-Mar 2018, Quarterly, Without units, ciphers without type

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Period: - Orientation:
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Jul-Sep 2017 Oct-Dec 2017 Jan-Mar 2018
Results of the survey on general conditions and standards in the banking credit market
Diffusion index 1 /
Factors related to the demand and / or supply for credit 2/
Banks with greatest participation
Conjunctural development
National economic outlook 3/
-0.08 -0.08 0.00
International economic outlook 3/
0.08 0.33 0.17
Economic situation for companies 3/
0.17 -0.17 -0.08
Employment conditions for households 3/
0.17 0.25 0.25
Business confidence in economic activity 3/
0.08 0.17 -0.17
Household confidence in economic activity 3/
0.17 0.17 -0.17
Capitalization level 4/
0.17 0.08 0.00
Liquidity position 4/
0.17 0.25 0.17
Funds availability (domestic currency) 4/
0.00 0.25 -0.17
Funds availability (foreign currency) 4/
0.08 0.00 -0.17
Cost of funds 4/
0.25 0.00 0.08
Regulatory standards 4/
0.08 0.00 0.00
Supply factors 4/
Large Non Financial Companies 4/
Risk Tolerance
0.00 -0.08 0.00
Quality of the portfolio
0.08 0.08 0.08
Competition
0.25 0.25 0.42
Financing Alternatives
0.08 0.08 0.42
Recovery of guarantees
0.00 0.00 0.00
Development programs
0.08 0.08 0.08
Need of capital investment
-0.08 0.00 0.08
Investment in physical assets
0.00 -0.25 -0.08
Need of liabilities restructure
0.00 0.00 0.17
Credit conditions
0.08 -0.08 0.00
Number of borrowers
0.08 -0.08 0.00
Small and medium-sized non-financial enterprises 4/
Risk Tolerance
0.08 0.00 -0.08
Quality of the portfolio
0.00 0.08 0.17
Competition
0.00 0.00 0.08
Financing Alternatives
0.00 0.00 0.00
Recovery of guarantees
0.00 0.00 0.17
Development programs
0.17 0.08 0.08
Need of capital investment
0.00 -0.08 0.00
Investment in physical assets
0.00 -0.08 0.00
Need of liabilities restructure
0.00 0.00 0.00
Credit conditions
0.00 -0.08 0.00
Number of borrowers
0.17 0.00 0.00
Non-bank financial intermediaries 4/
Risk Tolerance
-0.08 -0.08 0.00
Quality of the portfolio
0.00 0.00 0.00
Competition
0.08 0.00 0.30
Financing Alternatives
0.08 -0.08 0.00
Recovery of guarantees
0.00 0.00 0.00
Development programs
0.00 0.00 0.00
Need of capital investment
0.20 0.10 0.20
Investment in physical assets
0.00 0.00 0.00
Need of liabilities restructure
0.00 0.00 0.00
Credit conditions
-0.08 -0.08 0.10
Number of borrowers
0.00 0.17 0.00
Consumer credit 4/ 5/
Risk Tolerance
-0.17 0.08 0.08
Quality of the portfolio
0.25 0.17 0.17
Competition
-0.08 0.00 0.17
Financing Alternatives
0.10 0.08 0.00
Consumer financing conditions
0.00 0.08 0.00
Credit card borrowers
0.17 0.08 0.08
Auto loan borrowers
0.10 0.20 0.25
Payroll loan borrowers
0.33 0.17 0.00
Personal loan borrowers
0.17 -0.08 -0.08
Expenditure on durable goods
0.00 0.17 -0.13
Mortgage credit 4/
Risk Tolerance
0.08 0.00 0.00
Quality of the portfolio
-0.08 0.08 0.08
Competition
0.17 0.17 0.08
Financing Alternatives
0.00 0.00 0.00
Recovery of guarantees
-0.08 0.08 0.00
Credit conditions
-0.08 0.08 -0.17
Borrowers
0.08 0.08 0.00
Real estate market outlook
-0.17 -0.17 -0.08
Banks with least participation
Conjunctural development
National economic outlook 3/
-0.21 -0.18 -0.03
International economic outlook 3/
-0.17 0.00 -0.07
Economic situation for companies 3/
-0.14 -0.12 -0.04
Employment conditions for households 3/
-0.17 -0.08 -0.01
Business confidence in economic activity 3/
-0.17 -0.11 -0.19
Household confidence in economic activity 3/
-0.18 -0.15 -0.18
Capitalization level 4/
0.03 0.12 0.07
Liquidity position 4/
0.13 0.08 0.17
Funds availability (domestic currency) 4/
0.10 0.13 0.16
Funds availability (foreign currency) 4/
0.02 0.03 0.07
Cost of funds 4/
0.24 0.30 0.20
Regulatory standards 4/
0.10 0.06 0.00
Supply factors 4/
Large Non Financial Companies 4/
Risk Tolerance
-0.04 -0.08 -0.06
Quality of the portfolio
-0.06 -0.04 -0.06
Competition
0.13 0.16 0.18
Financing Alternatives
0.04 0.05 0.02
Recovery of guarantees
0.00 -0.07 -0.02
Development programs
0.04 -0.02 0.00
Need of capital investment
0.07 0.18 0.06
Investment in physical assets
-0.04 -0.04 -0.10
Need of liabilities restructure
0.11 0.06 0.06
Credit conditions
-0.06 -0.06 0.08
Number of borrowers
0.17 0.18 0.14
Small and medium-sized non-financial enterprises 4/
Risk Tolerance
-0.07 -0.07 -0.12
Quality of the portfolio
-0.10 -0.09 -0.10
Competition
0.10 0.09 0.07
Financing Alternatives
0.00 0.00 -0.03
Recovery of guarantees
0.07 -0.02 0.00
Development programs
0.11 -0.05 0.00
Need of capital investment
0.12 0.14 0.05
Investment in physical assets
0.00 -0.05 -0.10
Need of liabilities restructure
0.12 0.18 0.10
Credit conditions
-0.05 -0.09 -0.05
Number of borrowers
0.12 0.14 0.17
Non-bank financial intermediaries 4/
Risk Tolerance
-0.03 -0.09 -0.08
Quality of the portfolio
0.00 0.03 -0.08
Competition
0.03 -0.03 -0.08
Financing Alternatives
0.00 0.07 -0.09
Recovery of guarantees
0.00 -0.03 -0.08
Development programs
0.08 0.04 0.05
Need of capital investment
0.16 0.12 0.12
Investment in physical assets
0.00 0.00 0.00
Need of liabilities restructure
0.00 0.00 0.05
Credit conditions
0.00 0.00 0.00
Number of borrowers
0.03 0.00 0.12
Consumer credit 4/ 5/
Risk Tolerance
0.03 0.00 0.00
Quality of the portfolio
-0.08 -0.05 -0.03
Competition
0.10 0.18 0.13
Financing Alternatives
0.00 0.12 0.06
Consumer financing conditions
0.00 -0.08 0.05
Credit card borrowers
0.29 0.20 0.33
Auto loan borrowers
0.19 0.25 0.18
Payroll loan borrowers
0.10 0.10 0.15
Personal loan borrowers
0.16 0.18 0.15
Expenditure on durable goods
0.00 0.03 -0.04
Mortgage credit 4/
Risk Tolerance
0.00 0.00 -0.06
Quality of the portfolio
0.00 -0.06 -0.13
Competition
0.33 0.38 0.38
Financing Alternatives
0.06 0.13 0.07
Recovery of guarantees
0.00 -0.06 0.00
Credit conditions
0.06 0.06 0.06
Borrowers
0.11 0.06 0.00
Real estate market outlook
0.00 -0.06 -0.19
Notes:
1/ See Methodological Document for more detail on the construction of diffusion indexes.
2/ The positive (negative) index denote improvements (tightening) in the corresponding concept.
3/ The positive (negative) index denote improvements (deteriorations) in the corresponding concept.
4/ The positive (negative) index denote increases (decreases) in the corresponding concept.
5/ The indexes associated with risk tolerance, portfolio quality, competition and financing alternatives refer specific to credit to consumer by credit cards.
Financing and financial information of financial intermediaries(CF846) - Factors Related to the Demand and / or Credit Offer