Recent developments in financing and bank lending to the non-financial private sector 2019 H2

Pana Alves, Fabián Arrizabalaga, Javier Delgado and Alejandro Ferrer

Economic Bulletin, 2020, issue 1/2020, No 06

Abstract: In the final stretch of 2019, the funds raised by households and non-financial corporations grew at very moderate rates, somewhat below those recorded in the first half of the year. This occurred against a setting of weak demand for funds, in which credit standards for bank loans had tightened slightly, although the cost of credit declined again, in keeping with the more accommodative monetary policy stance. Deposit institutions’ loan portfolios continued to contract, albeit at a more moderate pace, while their average quality improved, with further reductions in the NPL ratio and in foreclosed assets.

Keywords: finance; credit; households; non-financial corporations; deposit institutions; NPLs; diversification (search for similar items in EconPapers)
JEL-codes: E44 E51 G21 G23 (search for similar items in EconPapers)
Date: 2020
Note: Analytical Articles
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