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| Main Results of the Survey on General Conditions and Standards in the Banking Credit Market | ||||||||
| Quarter Oct-Dec 2023 | ||||||||
| Diffusion index 1/ |
| Concept | Large Companies 2/ | Small and medium-sized enterprises 2/ | Non-bank financial intermediaries | Consumer credit | Mortgage credit | |||
| Credit cards | Auto loan | Payroll credit | Personal credit | |||||
| Change with respect to the last quarter | ||||||||
| Demand | ||||||||
| Banks with greatest participation | 0.31 | 0.17 | 0.10 | 0.10 | 0.17 | 0.00 | 0.08 | 0.17 |
| Last quarter | 0.31 | 0.08 | 0.33 | 0.10 | 0.17 | 0.20 | 0.08 | 0.00 |
| Banks with least participation | 0.14 | 0.12 | 0.08 | 0.11 | -0.05 | 0.13 | 0.18 | -0.07 |
| Last quarter | 0.17 | 0.07 | 0.24 | 0.13 | 0.00 | 0.22 | 0.19 | 0.06 |
| General conditions and / or standards | ||||||||
| Banks with greatest participation | 0.00 | 0.00 | -0.20 | -0.30 | 0.00 | -0.30 | -0.25 | 0.17 |
| Last quarter | -0.13 | 0.08 | -0.33 | -0.10 | 0.00 | 0.00 | 0.00 | -0.08 |
| Banks with least participation | -0.07 | -0.12 | -0.14 | 0.11 | 0.00 | 0.06 | 0.03 | 0.00 |
| Last quarter | -0.10 | -0.07 | -0.15 | 0.00 | 0.00 | 0.00 | 0.04 | 0.00 |
| Expectations next quarter | ||||||||
| Demand | ||||||||
| Banks with greatest participation | 0.25 | 0.17 | 0.10 | 0.20 | 0.08 | |||
| Last quarter | 0.31 | 0.17 | 0.10 | 0.10 | 0.17 | |||
| Banks with least participation | 0.21 | 0.21 | 0.17 | 0.00 | 0.07 | |||
| Last quarter | 0.14 | 0.12 | 0.08 | 0.11 | -0.07 | |||
| General conditions and / or standards | ||||||||
| Banks with greatest participation | 0.06 | 0.08 | -0.10 | 0.00 | -0.08 | |||
| Last quarter | 0.00 | 0.00 | -0.20 | -0.30 | 0.17 | |||
| Banks with least participation | -0.10 | -0.10 | -0.17 | -0.15 | 0.00 | |||
| Last quarter | -0.07 | -0.12 | -0.14 | 0.11 | 0.00 | |||
| 1/ In the Press Release it is considered that in the reference quarter there was an increase (decrease) in the demand for credit or a relaxation (tightening) of the general conditions and standards of credit approval if the respective diffusion index exceeds an absolute value of 0.10 and is positive (negative), or if the respective diffusion index was greater than 0.05 in absolute value and positive (negative) for at least two consecutive quarters. In case neither of these two criteria is met, it is considered that there were practically no changes with respect to the previous quarter. In the case of expectations, an analogous criterion is used, with the exception that the last observed value is used as a reference instead of the expected data of the previous quarter. Likewise, in the case of the expectations indexes, the index shown in the lines of the last quarter refers to the last demand or general conditions and standards of credit approval index observed, and not to the previous expectations index. | ||||||||
| 2/ It refers to non-financial companies. |