Figure 1: Measures of Supply and Demand for C&I Loans

,
by Size of Firm Seeking Loans
Panel 1:

90:2
90:3
90:4
91:1
91:2
91:3
91:4
92:1
92:2
92:3
92:4
93:1
93:2
93:3
93:4
94:1
94:2
94:3
94:4
95:1
95:2
95:3
95:4
96:1
96:2
96:3
96:4
97:1
97:2
97:3
97:4
98:1
98:2
98:3
98:4
99:1
99:2
99:3
99:4
00:1
00:2
00:3
00:4

Net Percentage of Domestic Respondents
Tightening Standards for C&I Loans

Large
and
medium
------

Small
------

56.90
39.45
48.90
36.00
15.50
12.25
9.00
5.25
0.90
-1.70
4.35
2.65
-7.85
-19.45
-17.75
-12.95
-12.20
-6.95
-17.40
-6.85
-5.90
-6.05
-3.45
6.95
-0.90
-3.70
-7.80
-5.45
-6.95
-5.70
-7.00
1.80
-7.10
0.00
36.40
7.40
10.00
5.40
9.10
10.90
24.60
33.90
43.80

52.60
33.90
41.00
32.00
6.90
8.70
5.20
0.00
-7.30
-1.70
-5.40
-1.80
-1.80
-11.70
-8.50
-12.30
-8.90
-7.00
-17.50
-5.30
-6.90
-1.80
-1.80
3.50
1.80
-1.90
-12.20
-5.30
-3.50
-1.90
-3.50
1.90
-1.80
-5.20
14.80
3.70
8.30
1.90
1.90
9.40
21.40
23.60
27.30

01:1
01:2

59.70
50.90

45.40
36.40

Figure 1: Measures of Supply and Demand for C&I Loans,
by Size of Firm Seeking Loans
Panel 2:

90:2
90:3
90:4
91:1
91:2
91:3
91:4
92:1
92:2
92:3
92:4
93:1
93:2
93:3
93:4
94:1
94:2
94:3
94:4
95:1
95:2
95:3
95:4
96:1
96:2
96:3
96:4
97:1
97:2
97:3
97:4
98:1
98:2
98:3
98:4
99:1
99:2
99:3

Net Percentage of Domestic Respondents Increasing
Spreads of Loan Rates over Banks' Cost of Funds

Large
and
medium
------

Small
------

12.00
25.85
51.80
59.00
45.50
31.25
31.50
11.35
11.65
0.00
-3.60
-0.90
-23.65
-39.35
-55.90
-46.55
-58.30
-52.20
-46.10
-44.45
-52.10
-45.70
-33.70
-30.65
-36.10
-28.75
-34.55
-33.25
-32.45
-38.50
-40.40
-25.40
-34.00
-14.30
47.30
31.40
7.10
21.50

7.20
17.20
33.90
37.50
25.40
14.00
12.00
14.00
7.10
5.20
-7.10
0.00
-10.70
-16.90
-31.00
-19.30
-26.80
-21.10
-24.50
-28.10
-29.30
-19.30
-12.20
-7.00
-17.40
-5.60
-27.20
-11.10
-12.30
-25.50
-40.40
-24.10
-25.00
-30.40
18.90
5.70
1.80
5.50

99:4
00:1
00:2
00:3
00:4
01:1
01:2

23.60
25.00
35.20
35.80
54.40
57.10
44.40

-1.90
10.00
16.00
25.40
26.90
28.90
22.30

Figure 1: Measures of Supply and Demand for C&I Loans,
by Size of Firm Seeking Loans
Panel 3:

91:4
92:1
92:2
92:3
92:4
93:1
93:2
93:3
93:4
94:1
94:2
94:3
94:4
95:1
95:2
95:3
95:4
96:1
96:2
96:3
96:4
97:1
97:2
97:3
97:4
98:1
98:2
98:3
98:4
99:1
99:2
99:3
99:4

Net Percentage of Domestic Respondents
Reporting Stronger Demand for C&I Loans

Large
and
medium
------

Small
------

-29.65
-26.50
6.25
-8.60
6.15
20.20
-0.10
18.05
9.25
26.05
38.10
31.25
31.40
35.10
28.60
4.35
3.45
-3.45
10.20
12.05
0.90
4.70
5.35
13.40
19.30
25.90
28.50
-8.90
27.70
20.40
-0.00
0.00
-1.80

-25.40
-11.60
25.00
6.90
-1.80
32.20
12.30
13.80
17.20
26.30
38.10
19.30
31.60
18.20
17.20
25.00
7.20
14.00
24.00
17.70
3.60
14.70
10.70
19.60
19.30
15.40
21.10
0.00
7.70
11.40
10.10
0.10
-3.80

00:1
00:2
00:3
00:4
01:1
01:2

9.10
-8.80
-5.30
-22.80
-50.00
-40.00

-1.90
5.30
-3.60
-12.80
-29.70
-34.50

Figure 2: Measures of Supply and Demand for Loans to Households
Panel 1:

96:1
96:2
96:3
96:4
97:1
97:2
97:3
97:4
98:1
98:2
98:3
98:4
99:1
99:2
99:3
99:4
00:1
00:2
00:3
00:4
01:1
01:2

Net Percentage of Domestic Respondents Tightening
Standards on Consumer Loans

Credit
cards
------

Other
Consumer
loans
--------

25.00
23.50
48.90
48.80
36.90
45.90
23.30
25.00
22.20
16.30
20.00
15.90
7.40
13.30
4.80
4.90
4.80
2.50
-2.60
8.30
11.80
20.00

15.70
12.00
24.50
23.10
20.00
19.30
8.40
12.00
16.30
6.10
7.80
8.00
-1.90
5.40
5.60
0.00
3.90
5.50
3.70
7.40
18.60
18.90

Figure 2: Measures of Supply and Demand for Loans to Households
Panel 2:

Net Percentage of Domestic Respondents Reporting
Stronger Demand for Loans to Households

Residential
mortgages
-----------

Consumer
loans
--------

-47.30
-57.40
59.70
ND
5.30
38.60
25.90
24.60
34.00
3.60
43.80
45.80
24.10
17.20
-12.50
-57.20
-66.70
-76.80
-14.50
51.00
16.40
14.50
22.00
-22.00
-11.70
5.70
-9.50
20.00
28.80
57.70
63.50
35.30
47.00
10.00
8.90
-33.40
-41.20
-63.50
-42.60
-39.70
-32.70
0.00
46.10

ND
ND
ND
ND
-28.10
-30.30
22.20
14.30
14.50
1.80
10.70
22.40
26.80
24.50
37.50
16.10
0.00
-3.60
-7.30
24.00
5.50
-7.70
12.00
2.00
-9.80
-15.60
-15.10
-10.40
-4.00
4.00
9.80
0.00
-8.00
3.90
16.70
11.40
-7.90
-9.60
-22.20
-9.30
-12.80
-35.80
9.70

90:4
91:1
91:2
91:3
91:4
92:1
92:2
92:3
92:4
93:1
93:2
93:3
93:4
94:1
94:2
94:3
94:4
95:1
95:2
95:3
95:4
96:1
96:2
96:3
96:4
97:1
97:2
97:3
97:4
98:1
98:2
98:3
98:4
99:1
99:2
99:3
99:4
00:1
00:2
00:3
00:4
01:1
01:2

Figure 2: Measures of Supply and Demand for Loans to Households
Panel 3:

Net Percentage of Domestic Respondents Tightening
Standards for Mortgages to Individuals

Mortgages
--------90:3
90:4
91:1
91:2
91:3
91:4
92:1
92:2
92:3
92:4
93:1
93:2
93:3
93:4
94:1
94:2
94:3
94:4
95:1
95:2
95:3
95:4
96:1
96:2
96:3
96:4
97:1
97:2
97:3
97:4
98:1
98:2
98:3
98:4
99:1
99:2
99:3
99:4
00:1
00:2
00:3
00:4
01:1
01:2

8.70
22.80
32.70
22.90
12.50
6.90
3.50
0.00
-1.80
-5.30
-3.60
3.40
-11.70
-15.50
-5.50
-7.10
-5.50
-5.50
-1.80
-5.50
0.00
3.70
0.00
-2.00
4.00
3.90
3.80
-1.80
-2.00
1.90
0.00
-5.80
0.00
-1.90
2.00
0.00
-1.90
-2.00
-1.90
-5.60
0.00
0.00
0.00
3.80

Figure 2: Measures of Supply and Demand for Loans to Households

Old Panel 1: Net Percentage of Domestic Respondents Indicating
More Willingness to Make Consumer Installment Loans

Willingness
----------66:3
66:4
67:1
67:2
67:3
67:4
68:1
68:2
68:3
68:4
69:1
69:2
69:3
69:4
70:1
70:2
70:3
70:4
71:1
71:2
71:3
71:4
72:1
72:2
72:3
72:4
73:1
73:2
73:3
73:4
74:1
74:2
74:3
74:4
75:1
75:2
75:3
75:4
76:1
76:2
76:3
76:4
77:1
77:2
77:3
77:4
78:1
78:2
78:3
78:4

-25.00
4.00
25.00
34.00
19.00
19.00
24.00
0.00
13.00
17.00
-7.00
-20.00
-29.00
-27.00
-19.00
5.00
0.00
27.00
63.00
41.00
25.00
32.00
50.00
29.00
19.00
21.00
11.00
9.00
-7.00
13.00
13.00
-19.00
-34.00
-19.00
8.00
28.00
30.00
26.00
29.00
41.00
31.00
27.00
28.00
28.00
13.00
12.00
10.00
9.00
3.00
-8.00

79:1
79:2
79:3
79:4
80:1
80:2
80:3
80:4
81:1
81:2
81:3
81:4
82:1
82:2
82:3
82:4
83:1
83:2
83:3
83:4
84:1
84:2
84:3
84:4
85:1
85:2
85:3
85:4
86:1
86:2
86:3
86:4
87:1
87:2
87:3
87:4
88:1
88:2
88:3
88:4
89:1
89:2
89:3
89:4
90:1
90:2
90:3
90:4
91:1
91:2
91:3
91:4
92:1
92:2
92:3
92:4
93:1
93:2

0.00
-4.00
-7.00
-43.00
-45.00
-79.00
46.00
-16.00
-16.00
-21.00
-5.00
12.00
-8.00
3.00
12.00
59.00
53.00
50.00
33.00
33.00
37.00
24.00
21.00
25.00
33.00
39.00
26.00
19.00
45.00
44.00
42.00
21.00
19.00
25.00
32.00
13.00
12.00
17.00
10.00
25.00
16.00
26.00
7.00
3.00
7.00
9.00
12.00
2.00
-15.00
2.00
0.00
11.00
9.00
22.00
21.00
16.30
18.00
28.10

93:3
93:4
94:1
94:2
94:3
94:4
95:1
95:2
95:3
95:4
96:1
96:2
96:3
96:4
97:1
97:2
97:3
97:4
98:1
98:2
98:3
98:4
99:1
99:2
99:3
99:4
00:1
00:2
00:3
00:4
01:1
01:2

25.90
18.90
32.70
30.90
21.40
25.00
16.10
21.70
7.00
5.40
7.10
-2.00
-6.10
-3.80
1.90
0.00
10.40
10.00
0.00
2.00
11.80
5.80
13.50
14.50
11.40
9.80
3.90
-3.70
1.90
1.80
-5.50
0.00