Lending survey
Danmarks Nationalbank’s lending survey is a qualitative assessment of the development in Denmark’s largest banks’ and mortgage credit institutions’ credit standards, demand for loans, impairments and losses on loans for corporate and household customers. Thus, the statistics provide insight into the changes in institutions’ credit policies for Danish borrowers.
Among other things, the survey gives an indication of whether it has generally become easier or harder for Danish borrowers to raise loans, and indications of whether changes in total lending are driven by banks’ supply or customer demand.
The statistics are based on a questionnaire circulated to the institutions’ credit managers and they answer how credit standards, loan demand, impairments and losses have changed since the last quarter. In addition, the statistics are also forward-looking, so the credit managers also answer how they expect credit policies, loan demand, impairments and losses to change in the coming quarter.
The institutions’ answers are given on a five-step scale from -100 to 100. -100 means ‘decreased/tightened a lot’, -50 ‘tightened a little’, 0 ‘unchanged’, 50 ‘eased a little’ and 100 ‘increased/eased a lot’. The institutions’ responses are weighted by their respective market shares, resulting in a net figure for the question. This net figure appears in the statistics.
Lending survey in Statbank
Upcoming releases on lending survey
More on lending survey
Sources and methods
Read more about sources and method for the statistics here.
Questions?
You can contact Financial Statistics if you have questions on the statistics