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The euro area bank lending survey (BLS) serves as an important tool in the analysis of bank lending conditions in the … euro area and across euro area countries, providing otherwise unobservable qualitative information on bank loan demand and … and has become of key importance for the analysis and assessment of bank lending conditions in the euro area and at the …
Persistent link: https://www.econbiz.de/10012982484
As the euro area has a predominantly bank-based financial system, changes in the composition and strength of banks … crisis, in a context of financial market stress and weak bank balance sheets, unconventional monetary policy measures have … non-standard measures were successful in stimulating lending and which bank business models were more strongly affected …
Persistent link: https://www.econbiz.de/10012871122
After addressing the securitisation of non-performing loans (NPLs) within the broader context of the ECB’s efforts to reduce NPL stocks and inflows, we investigate the structural and pricing features of NPL securitisations, issued by large banks in the euro area, by drawing on a unique and...
Persistent link: https://www.econbiz.de/10013289296
persons based on a core set of harmonised concepts and definitions. Starting with reference data from September 2018, credit …) individual credit exposures falling within the reporting scope. The reporting framework is the outcome of in-depth discussions … Regulation, AnaCredit will, already in Stage 1, significantly enhance the value for analysis on credit and credit risk in the …
Persistent link: https://www.econbiz.de/10012954335
This occasional paper explains why the bank lending survey was developed by the ECB and describes its main features. It … discusses the importance of credit developments for both the economy and the functioning of monetary policy, and further … clarifies why the survey was introduced. Furthermore, the paper demonstrates that the value added of implementing a bank lending …
Persistent link: https://www.econbiz.de/10011606175
assessment of banks' credit policies. The highlighted country specificities should be taken into account in macroprudential …
Persistent link: https://www.econbiz.de/10012890273
itself most clearly in the rapid pace of growth in credit to the private sector. This process of financial deepening is … largely a natural and welcome catching-up phenomenon, but it has also increased the credit risks borne by the banking sectors … in the three economies. These credit risks are compounded by the widespread use of foreign currency-denominated or …
Persistent link: https://www.econbiz.de/10013316517
This report analyses the main developments in housing finance in the euro area in the decade, covering the period from 1999 to 2007. It looks at mortgage indebtedness, various characteristics of loans for house purchase, the funding of such loans and the spreads between the interest rates on...
Persistent link: https://www.econbiz.de/10011606253
This paper uses micro data from the European Union Statistics on Income and Living Conditions (EU-SILC) to generate structural information for the euro area on the incidence of household indebtedness and the debt service burden. It breaks down incidence by characteristics such as income, age and...
Persistent link: https://www.econbiz.de/10013128171
This report analyses the main developments in housing finance in the euro area in the decade, covering the period from 1999 to 2007. It looks at mortgage indebtedness, various characteristics of loans for house purchase, the funding of such loans and the spreads between the interest rates on...
Persistent link: https://www.econbiz.de/10012749924