Sistema de Información Económica

Factors Related to the Demand and / or General Conditions and Standards of Credit Approval for Credit - (CF846)

Period: Jan-Mar 2015 - Jul-Sep 2019, Quarterly, Without units, ciphers without type

Jan-Mar 2015 - Jul-Sep 2019

Quarterly

Without units

ciphers without type

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Analysis:

My series (0)



+ Open all
Jan-Mar 2019 Apr-Jun 2019 Jul-Sep 2019
Results of the survey on general conditions and standards in the banking credit market
+ Diffusion index 1 /
+ Factors related to the demand and / or general conditions and standards of credit approval for credit
+ Banks with greatest participation
+ Conjunctural development
National economic outlook 2/
-0.17 -0.42 -0.08
International economic outlook 2/
-0.17 -0.25 -0.17
Economic situation for companies 2/
-0.25 -0.42 -0.17
Employment conditions for households 2/
-0.25 -0.25 -0.08
Business confidence in economic activity 2/
0.08 -0.33 -0.17
Household confidence in economic activity 2/
0.17 -0.50 -0.17
Capitalization level 3/
0.17 -0.25 0.17
Liquidity position 3/
0.08 0.25 0.17
Funds availability (domestic currency) 3/
0.08 0.25 0.25
Funds availability (foreign currency) 3/
0.08 0.08 0.08
Cost of funds 3/
0.25 0.33 -0.25
Regulatory standards 3/
0.00 0.00 0.00
+ Supply factors 3/
+ Large Non Financial Companies 3/
Risk Tolerance
-0.08 0.00 -0.08
Quality of the portfolio
0.08 -0.08 -0.17
Competition
0.25 0.17 0.17
Financing Alternatives
0.00 0.00 0.00
Recovery of guarantees
-0.08 -0.08 0.00
Development programs
-0.08 -0.17 -0.08
Need of capital investment
0.00 -0.08 0.00
Investment in physical assets
-0.33 -0.25 -0.17
Need of liabilities restructure
0.25 0.17 0.17
Credit conditions
0.08 0.08 -0.08
Number of borrowers
0.00 0.00 0.08
+ Small and medium-sized non-financial enterprises 3/
Risk Tolerance
-0.08 -0.17 -0.17
Quality of the portfolio
-0.08 -0.08 -0.17
Competition
0.00 0.08 -0.17
Financing Alternatives
0.00 0.00 0.00
Recovery of guarantees
0.08 0.10 0.08
Development programs
-0.17 -0.08 -0.08
Need of capital investment
0.00 -0.08 -0.08
Investment in physical assets
-0.08 -0.10 0.00
Need of liabilities restructure
0.00 0.00 0.25
Credit conditions
0.00 0.00 0.00
Number of borrowers
0.10 -0.17 -0.08
+ Non-bank financial intermediaries 3/
Risk Tolerance
0.00 -0.08 -0.08
Quality of the portfolio
0.00 0.00 0.00
Competition
0.08 0.08 0.17
Financing Alternatives
-0.08 -0.08 0.08
Recovery of guarantees
0.00 0.00 0.00
Development programs
0.00 0.00 0.13
Need of capital investment
0.08 0.00 0.08
Investment in physical assets
0.00 0.00 0.00
Need of liabilities restructure
0.00 0.08 0.00
Credit conditions
0.00 0.08 0.00
Number of borrowers
0.00 0.00 0.00
+ Consumer credit 3/
Risk Tolerance
0.00 -0.08 0.00
Quality of the portfolio
0.08 -0.08 0.00
Competition
-0.08 -0.08 0.00
Financing Alternatives
0.00 0.00 0.00
Consumer financing conditions
0.00 0.00 0.00
Credit card borrowers
0.00 0.25 0.00
Auto loan borrowers
0.17 0.08 0.25
Payroll loan borrowers
0.08 0.08 0.00
Personal loan borrowers
0.00 0.08 -0.17
Expenditure on durable goods
0.00 -0.13 0.00
+ Mortgage credit 3/
Risk Tolerance
0.00 0.00 -0.08
Quality of the portfolio
-0.08 -0.08 -0.17
Competition
0.08 0.08 0.08
Financing Alternatives
0.00 0.00 0.00
Recovery of guarantees
0.00 -0.08 0.08
Credit conditions
-0.08 -0.08 0.00
Borrowers
0.08 0.08 0.17
Real estate market outlook
-0.08 0.00 0.08
+ Banks with least participation
+ Conjunctural development
National economic outlook 2/
-0.32 -0.49 -0.36
International economic outlook 2/
-0.21 -0.30 -0.30
Economic situation for companies 2/
-0.15 -0.27 -0.29
Employment conditions for households 2/
-0.21 -0.32 -0.32
Business confidence in economic activity 2/
-0.24 -0.47 -0.37
Household confidence in economic activity 2/
-0.11 -0.39 -0.29
Capitalization level 3/
0.03 0.04 0.00
Liquidity position 3/
0.07 0.03 0.10
Funds availability (domestic currency) 3/
0.12 0.07 0.03
Funds availability (foreign currency) 3/
0.04 0.00 -0.09
Cost of funds 3/
0.11 0.06 -0.03
Regulatory standards 3/
0.00 0.05 0.05
+ Supply factors 3/
+ Large Non Financial Companies 3/
Risk Tolerance
-0.06 -0.18 -0.15
Quality of the portfolio
0.00 -0.11 -0.13
Competition
0.04 0.02 0.08
Financing Alternatives
-0.02 0.03 0.02
Recovery of guarantees
0.02 0.02 0.00
Development programs
-0.17 -0.16 -0.07
Need of capital investment
0.04 0.00 0.00
Investment in physical assets
-0.21 -0.23 -0.10
Need of liabilities restructure
0.06 0.09 0.10
Credit conditions
0.00 -0.05 0.02
Number of borrowers
-0.02 0.09 0.02
+ Small and medium-sized non-financial enterprises 3/
Risk Tolerance
-0.12 -0.16 -0.21
Quality of the portfolio
-0.17 -0.16 -0.29
Competition
0.07 0.05 0.07
Financing Alternatives
-0.03 -0.08 0.00
Recovery of guarantees
-0.02 0.02 -0.02
Development programs
-0.32 -0.24 -0.13
Need of capital investment
0.02 0.02 0.07
Investment in physical assets
-0.21 -0.16 -0.24
Need of liabilities restructure
0.17 0.25 0.29
Credit conditions
-0.12 -0.05 -0.02
Number of borrowers
0.02 0.07 -0.05
+ Non-bank financial intermediaries 3/
Risk Tolerance
-0.08 -0.11 -0.22
Quality of the portfolio
-0.03 -0.05 -0.13
Competition
0.00 -0.03 -0.09
Financing Alternatives
-0.09 -0.08 -0.07
Recovery of guarantees
0.00 0.00 -0.07
Development programs
-0.07 -0.04 -0.11
Need of capital investment
0.08 0.05 0.09
Investment in physical assets
-0.06 -0.09 -0.07
Need of liabilities restructure
0.00 0.00 0.10
Credit conditions
0.00 -0.03 0.00
Number of borrowers
0.00 0.03 0.00
+ Consumer credit 3/
Risk Tolerance
-0.03 -0.11 -0.03
Quality of the portfolio
0.06 0.11 0.08
Competition
0.06 0.03 0.11
Financing Alternatives
0.00 0.03 0.07
Consumer financing conditions
-0.03 0.03 0.03
Credit card borrowers
0.22 0.20 0.38
Auto loan borrowers
0.09 0.00 0.00
Payroll loan borrowers
0.00 0.00 0.00
Personal loan borrowers
0.04 0.10 0.22
Expenditure on durable goods
-0.08 -0.21 -0.11
+ Mortgage credit 3/
Risk Tolerance
0.00 0.00 0.06
Quality of the portfolio
-0.21 -0.06 -0.06
Competition
0.14 0.25 0.13
Financing Alternatives
0.00 0.00 0.00
Recovery of guarantees
0.00 0.00 0.00
Credit conditions
0.00 0.06 0.00
Borrowers
0.07 -0.06 0.13
Real estate market outlook
-0.07 -0.31 -0.13
Notes:
1/ See Methodological Document for more detail on the construction of diffusion indexes.
2/ The positive (negative) index denote improvements (deteriorations) in the corresponding concept.
3/ The positive (negative) index denote increases (decreases) in the corresponding concept. For credit conditions, the positive (negative) index denote improvements (tightening). On the other hand, for real estate market outlook, the positive (negative) index denote improvements (deteriorations).