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The July 2021 Bank Lending Survey in Spain

Author

Listed:
  • Álvaro Menéndez Pujadas
  • Maristela Mulino

Abstract

According to the Bank Lending Survey, in 2021 Q2 the changes in credit standards were negligible in Spain and in the euro area, while loan applications increased across the board in the two areas. Compared with prior quarters, these more favourable developments in loan supply and demand appear to be the result of an improved macroeconomic context. The responding banks in the two areas consider that the non-performing loan ratio led the supply of credit to firms to tighten somewhat in 2021 H1, whereas it barely had an impact on the supply of loans to households. Lastly, in 2021 H1 the supply of loans with public guarantees barely changed in Spain, while in the euro area it eased slightly. The demand for this type of lending decreased in the same period in the two areas.

Suggested Citation

  • Álvaro Menéndez Pujadas & Maristela Mulino, 2021. "The July 2021 Bank Lending Survey in Spain," Economic Bulletin, Banco de España, issue 3/2021.
    • Handle: RePEc:bde:journl:y:2021:i:09:d:aa:n:25
    Note: Analytical Articles
    as

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    File URL: https://www.bde.es/f/webbde/SES/Secciones/Publicaciones/InformesBoletinesRevistas/ArticulosAnaliticos/21/T3/Files/be2103-art25e.pdf
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    More about this item

    Keywords

    funding; credit; loan supply; loan demand; credit standards; terms and conditions on loans; financial markets.;
    All these keywords.

    JEL classification:

    • E51 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Money Supply; Credit; Money Multipliers
    • E52 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Monetary Policy
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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