January 2023 Bank Lending Survey in Spain

Álvaro Menéndez Pujadas and Maristela Mulino
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Álvaro Menéndez Pujadas: Banco de España
Maristela Mulino: Banco de España

Economic Bulletin, 2023, issue 2023/Q1, No 11

Abstract: Rationale This article summarises the main results of the Bank Lending Survey for 2022 Q4 and the expectations for 2023 Q1. It also analyses matters related to funding market access and the impact of other factors on responding banks’ lending policy.Takeaways. •According to the Bank Lending Survey, in 2022 Q4 credit standards tightened across the board in Spain for the third consecutive quarter. •Loan demand fell in the two household segments (house purchase and consumer credit and other lending), while demand from enterprises grew slightly, driven by their greater financing needs for working capital and inventories. •For 2023 Q1, banks once again expect loan supply to contract and loan demand to fall across the board.

Keywords: Funding; credit; loan supply; loan demand; credit standards; terms and conditions for loans; financial markets. (search for similar items in EconPapers)
JEL-codes: E51 E52 G21 (search for similar items in EconPapers)
Date: 2023
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Persistent link: https://EconPapers.repec.org/RePEc:bde:journl:y:2023:i:01:n:11

DOI: 10.53479/29552

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