tables_en_3590_1 by zhaonedx

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									                                     BANK OF ALBANIA




                               BANK LENDING SURVEY




                              Last update on October 2010*

*The results reported in the October 2009 bank lending survey relate to changes in the lending activity during the
    third quarter of 2010 and banks expectations of changes in lending activity for the fourth quarter 2010.
                                                          CONTENTS
TABLES

Table 1    Loans to enterprises - Credit standards
           Net balances

Table 2    Loans to Enterpries - The Factors Affecting Credit Standards
           Net balances

Table 3    Loans to Enterprises - Terms and Conditions for Loans
           Net balances

Table 4    Loans to Enterprises - Demand for Loans
           Net balances

Table 5    Loans to Enterprises - Factors Affecting Demand for Loans
           Net balances

Table 6    Loans to enterprises - Factors Affecting Demand for Loans in Foreign Currency
           Net balances

Table 7    Loans to Households - Credit Standards
           Net balances

Table 8    Loans to Households - The Factors Affecting Credit Standards
           Net balances

Table 9    Loans to Households - Terms and Conditions for Loans
           Net balances

Table 10   Loans to Households - Demand for Loans
           Net balances

Table 11   Loans to Households - Factors Affecting Demand for Loans
           Net balances

Table 12   Loans to households - Factors Affecting Demand for Loans in Foreign Currency
           Net balances
            Table 1- LOANS TO ENTERPRISES - CREDIT STANDARDS

                                                      REALISED                EXPECTED
                                                    Net balances (%)*      Net balances (%)*
                                         H2 '07                                    -
                                         H1 '08           -26.9                    -
                                         H2 '08           -55.9                    -
                                         Q1 '09           -66.3                    -
                Overall                  Q2 '09           -23.4                    -
                                         Q3 '09            -7.6                    -
                                         Q4 '09            -2.3                    -
                                         Q1 '10            13.5                    -
                                         Q2 '10            -9.9                    -
                                         Q3 '10            1.1                     -
                                         H2 '07            0.5                    4.9
                                         H1 '08           -15.2                  -15.5
                                         H2 '08           -51.4                  -54.3
                                         Q1 '09           -61.2                   -2.9
                                         Q2 '09           -18.2                   2.1
    Small and medium enterprises
                                         Q3 '09           -12.2                   4.6
                                         Q4 '09            -7.9                   20.0
                                         Q1 '10            -3.2                   -8.2
                                         Q2 '10           -10.9                   10.4
                                         Q3 '10            5.1                    16.2
                                         H2 '07           -11.5                   -9.2
                                         H1 '08           -32.3                  -27.3
                                         H2 '08           -57.8                  -52.8
                                         Q1 '09           -66.3                  -23.0
                                         Q2 '09           -18.2                   -2.5
           Large enterprises
                                         Q3 '09            -4.6                   0.0
                                         Q4 '09            -6.6                   12.2
                                         Q1 '10           16.7                   -20.4
                                         Q2 '10            4.5                    8.2
                                         Q3 '10            0.0                    11.0
                                         H2 '07            -2.7                   -9.0
                                         H1 '08           -27.8                  -15.5
                                         H2 '08           -43.7                  -39.6
                                         Q1 '09           -47.2                  -21.9
                                         Q2 '09           -23.4                   -1.5
   Inventories and working capital
                                         Q3 '09            3.1                    1.0
                                         Q4 '09            -3.3                   16.4
                                         Q1 '10            1.3                    -3.6
                                         Q2 '10            -6.6                   6.9
                                         Q3 '10            6.2                    11.1
                                         H2 '07            -8.1                   -9.6
                                         H1 '08           -29.4                  -12.6
                                         H2 '08           -61.0                  -53.3
                                         Q1 '09           -66.3                  -21.9
                                         Q2 '09           -30.2                   -1.5
          Fixed investments
                                         Q3 '09           -10.7                   0.0
                                         Q4 '09           -11.1                   12.2
                                         Q1 '10           16.7                   -10.4
                                         Q2 '10           -15.4                   1.3
                                         Q3 '10            0.0                    3.4


(*) Negative balances indicate that banks have tightened their credit standards, whereas a net
positive balance indicates that banks eased the credit standards.
Table 2- LOANS TO ENTERPRISES - THE FACTORS AFFECTING CREDIT STANDARDS

                                                           Net balances (%)
                                         H2 '07        -21.9
                                         H1 '08         -4.7
                                         H2 '08        -13.4
                                         Q1 '09        -9.3
                                         Q2 '09        -14.5
        Banks capital adequacy
                                         Q3 '09        -6.3
                                         Q4 '09        -3.3
                                         Q1 '10        -7.8
                                         Q2 '10        -4.6
                                         Q3 '10        -5.1
                                         H2 '07        6.5
                                         H1 '08        -42.8
                                         H2 '08        -12.9
                                         Q1 '09        -10.1
  Monetary policy decisions of Bank of   Q2 '09        -10.3
               Albania                   Q3 '09        -3.2
                                         Q4 '09        0.0
                                         Q1 '10        12.2
                                         Q2 '10        -3.1
                                         Q3 '10        0.0
                                         H2 '07        -34.5
                                         H1 '08        -9.9
                                         H2 '08        -7.4
                                         Q1 '09        -9.3
                                         Q2 '09        1.0
  Competition in the banking system
                                         Q3 '09        -3.8
                                         Q4 '09        -4.4
                                         Q1 '10        -7.6
                                         Q2 '10        4.5
                                         Q3 '10        23.8
                                         H2 '07          -
                                         H1 '08          -
                                         H2 '08        -31.1
                                         Q1 '09        -37.4
  Bank's actual and expected liquidity   Q2 '09        -31.4
               positition                Q3 '09        -9.3
                                         Q4 '09        -7.8
                                         Q1 '10        -4.6
                                         Q2 '10        -6.6
                                         Q3 '10         -4.1
                                         H2 '07        26.5
                                         H1 '08        -48.7




   Industry or firm - specific outlook
                                            H2 '08   -62.8
                                            Q1 '09   -84.3
                                            Q2 '09   -71.3
   Industry or firm - specific outlook
                                            Q3 '09   -50.9
                                            Q4 '09   -20.1
                                            Q1 '10   -44.2
                                            Q2 '10   -27.9
                                            Q3 '10   -55.1
                                            H2 '07   16.3
                                            H1 '08   -53.7
                                            H2 '08   -84.3
                                            Q1 '09   -83.8
Actual and expectations regarding general   Q2 '09   -69.2
            economic activity               Q3 '09   36.7
                                            Q4 '09   -18.0
                                            Q1 '10   -32.0
                                            Q2 '10   -27.9
                                            Q3 '10   -46.4
                                            H2 '07   24.1
                                            H1 '08   -30.9
                                            H2 '08   -48.3
                                            Q1 '09   -60.4
                                            Q2 '09   -47.8
         Non performing loans
                                            Q3 '09   -57.6
                                            Q4 '09   -28.4
                                            Q1 '10   -37.7
                                            Q2 '10   -24.5
                                            Q3 '10   -51.4
                                            H2 '07     -
                                            H1 '08     -
                                            H2 '08     -
                                            Q1 '09     -
                                            Q2 '09     -
                Other …
                                            Q3 '09     -
                                            Q4 '09     -
                                            Q1 '10     -
                                            Q2 '10     -
                                            Q3 '10     -
  Table 3 - LOANS TO ENTERPRISES - TERMS AND CONDITIONS APPLIED TO
                            LOAN APPROVAL
                                                                  Net balances (%)
                                                   H2 '07     -
                                                   H1 '08   30.1
                                                   H2 '08   -59.9
                                                   Q1 '09   -54.0
                                                   Q2 '09   -21.5
           Margin on average loans
                                                   Q3 '09   -10.1
                                                   Q4 '09   -6.1
                                                   Q1 '10   -10.1
                                                   Q2 '10   -5.6
                                                   Q3 '10   -2.6
                                                   H2 '07     -
                                                   H1 '08   -18.6
                                                   H2 '08   -75.5
                                                   Q1 '09   -45.7
                                                   Q2 '09   -46.0
            Margin on riskier loans
                                                   Q3 '09   -45.9
                                                   Q4 '09   -23.3
                                                   Q1 '10   -27.7
                                                   Q2 '10   -31.0
                                                   Q3 '10   -22.5
                                                   H2 '07     -
                                                   H1 '08    6.1
                                                   H2 '08   -12.3
                                                   Q1 '09   -10.1
                                                   Q2 '09   -6.2
  Commissions or fees applied by the bank
                                                   Q3 '09   -10.7
                                                   Q4 '09   -5.6
                                                   Q1 '10   -3.6
                                                   Q2 '10   -5.9
                                                   Q3 '10   -6.5
                                                   H2 '07     -
                                                   H1 '08    9.4
                                                   H2 '08   -17.0
                                                   Q1 '09   -32.7
                                                   Q2 '09    6.4
                  Loan's size
                                                   Q3 '09   -27.5
                                                   Q4 '09    1.0
                                                   Q1 '10    1.0
                                                   Q2 '10   10.1
                                                   Q3 '10    1.1
                                                   H2 '07     -
                                                   H1 '08   -2.3




Collateral requirements according to loan's size
                                                   H2 '08   -40.2
                                                   Q1 '09   -27.2
                                                   Q2 '09   -41.8
Collateral requirements according to loan's size
                                                   Q3 '09   -28.9
                                                   Q4 '09    0.0
                                                   Q1 '10   -7.7
                                                   Q2 '10   -20.8
                                                   Q3 '10   -18.7
                                                   H2 '07     -
                                                   H1 '08    1.5
                                                   H2 '08   -42.8
                                                   Q1 '09   -56.9
                                                   Q2 '09   -3.7
          Loan's maximum maturity
                                                   Q3 '09   -10.7
                                                   Q4 '09    4.5
                                                   Q1 '10    0.0
                                                   Q2 '10   13.2
                                                   Q3 '10   -7.4
                                                   H2 '07     -
                                                   H1 '08     -
                                                   H2 '08     -
                                                   Q1 '09     -
                                                   Q2 '09     -
                   Other …
                                                   Q3 '09     -
                                                   Q4 '09     -
                                                   Q1 '10     -
                                                   Q2 '10     -
                                                   Q3 '10     -
               Table 4 - LOANS TO ENTERPRISES - LOAN DEMAND

                                                 REALISED                 EXPECTATIONS
                                              Net balances (%)*           Net balances (%)*
                                H2 '07               56.9                        72.9
                                H1 '08               25.4                        29.4
                                H2 '08                4.8                        -23.8
                                Q1 '09               -26.7                       -19.0
    Small and medium            Q2 '09               -21.8                       13.5
       enterprises              Q3 '09               -28.0                       -20.0
                                Q4 '09               -15.8                       37.5
                                Q1 '10               -8.8                        23.8
                                Q2 '10               13.5                         9.5
                                Q3 '10               -10.9                       20.8
                                H2 '07               64.0                        54.2
                                H1 '08               50.2                        21.0
                                H2 '08               -2.0                        -23.8
                                Q1 '09               -29.1                       -28.7
                                Q2 '09                0.4                        12.0
     Large enterprises
                                Q3 '09               -27.3                       -14.9
                                Q4 '09               -23.4                       21.1
                                Q1 '10               -1.1                        29.3
                                Q2 '10               -7.4                         7.9
                                Q3 '10               -18.5                       12.1
                                H2 '07               62.3                        56.5
                                H1 '08               49.6                        28.8
                                H2 '08               14.5                          -
                                Q1 '09               -24.7                         -
 Inventories and working        Q2 '09                4.9                          -
          capital               Q3 '09               -19.2                         -
                                Q4 '09               -12.0                         -
                                Q1 '10               26.7                          -
                                Q2 '10               18.0                          -
                                Q3 '10               -1.0                          -
                                H2 '07               61.4                          -
                                H1 '08               49.1                          -
                                H2 '08               -24.7                         -
                                Q1 '09               -51.8                         -
                                Q2 '09               -22.8                         -
    Fixed investments
                                Q3 '09               -32.5                         -
                                Q4 '09               -32.5                         -
                                Q1 '10               -13.0                         -
                                Q2 '10                3.8                          -
                                Q3 '10               -19.6                         -


* The positive balance shows an increase of the demand while the negative balance reveals a fall
                                        of the demand.
* The positive balance shows an increase of the demand while the negative balance reveals a fall
                                        of the demand.
 Table 5- LOANS TO ENTERPRISES - FACTORS AFFECTING LOAN'S DEMAND

                                                         Net balance (%)*
                                               H2 '07   44.3
                                               H1 '08   51.4
                                               H2 '08   38.9
                                               Q1 '09   13.6
 Inventories and working capital financing     Q2 '09    3.9
                  needs                        Q3 '09   -0.2
                                               Q4 '09   -3.4
                                               Q1 '10   46.9
                                               Q2 '10   43.1
                                               Q3 '10   42.3
                                               H2 '07   39.6
                                               H1 '08   42.0
                                               H2 '08   -11.6
                                               Q1 '09   -10.9
                                               Q2 '09   -21.5
      Fixed investment financing need
                                               Q3 '09   -10.5
                                               Q4 '09   -30.4
                                               Q1 '10   -1.4
                                               Q2 '10   22.6
                                               Q3 '10   16.1
                                               H2 '07   16.2
                                               H1 '08   -15.4
                                               H2 '08   -1.5
                                               Q1 '09   -2.0
  Usage of alternative sources of financing
                                               Q2 '09    4.7
    (internal funds, loans from non bank
                                               Q3 '09    6.1
  institutions and loans from other banks)
                                               Q4 '09    1.0
                                               Q1 '10   12.4
                                               Q2 '10   19.5
                                               Q3 '10    1.4
                                               H2 '07   -2.9
                                               H1 '08   10.3
                                               H2 '08   -17.9
                                               Q1 '09   -12.0
                                               Q2 '09   10.3
Monetary policy decisions of Bank of Albania
                                               Q3 '09   -3.2
                                               Q4 '09    0.0
                                               Q1 '10    1.5
                                               Q2 '10    6.1
                                               Q3 '10    1.1
                                               H2 '07   12.3
                                               H1 '08    9.7




   Credit standards applied by your bank
                                                    H2 '08                     -22.4
                                                    Q1 '09                     -28.2
                                                    Q2 '09                      0.4
  Credit standards applied by your bank
                                                    Q3 '09                     -12.6
                                                    Q4 '09                      4.2
                                                    Q1 '10                      0.0
                                                    Q2 '10                     18.7
                                                    Q3 '10                      9.0
                                                    H2 '07                     18.9
                                                    H1 '08                     14.3
                                                    H2 '08                     -16.1
                                                    Q1 '09                     -45.8
Actual and expectations regarding general           Q2 '09                     -8.9
            economic activity                       Q3 '09                     -31.5
                                                    Q4 '09                     -27.7
                                                    Q1 '10                      8.8
                                                    Q2 '10                     21.6
                                                    Q3 '10                     -3.6
                                                    H2 '07                       -
                                                    H1 '08                       -
                                                    H2 '08                       -
                                                    Q1 '09                       -
                                                    Q2 '09                     -10.9
                  Other …
                                                    Q3 '09                      0.0
                                                    Q4 '09                      0.0
                                                    Q1 '10                      6.4
                                                    Q2 '10                      0.0
                                                    Q3 '10                      0.0

* The positive balance indicates that the factor has contributed to the increase of credit demand,
  while the negative balance reveals that the factor has contributed to the decrease of the credit
                                             demand.
Table 6 - LOANS TO ENTERPRISES - FACTORS AFFECTING DEMAND FOR LOANS
                         IN FOREIGN CURRENCY
                                                         Net banlances (%)
                                                H2 '07    -
                                                H1 '08   48.7
                                                H2 '08   68
                                                Q1 '09   49.4
                                                Q2 '09   50.7
   Source of income in foreign currency
                                                Q3 '09   76.0
                                                Q4 '09   56.3
                                                Q1 '10   58.3
                                                Q2 '10   54.0
                                                Q3 '10   81.1
                                                H2 '07    -
                                                H1 '08   98.6
                                                H2 '08   92.1
                                                Q1 '09   81.5
                                                Q2 '09   87.6
          Interest rate differences
                                                Q3 '09   70.8
                                                Q4 '09   87.6
                                                Q1 '10   65.2
                                                Q2 '10   84.4
                                                Q3 '10   63.9
                                                H2 '07    -
                                                H1 '08   42.1
                                                H2 '08   53.5
                                                Q1 '09   42.8
  Expenses (goods and services) in foreign      Q2 '09   44.4
                currency                        Q3 '09   65.2
                                                Q4 '09   55.5
                                                Q1 '10   44.2
                                                Q2 '10   51.4
                                                Q3 '10   57.3
                                                H2 '07    -
                                                H1 '08   13.1
                                                H2 '08   50.1
                                                Q1 '09   35.7
                                                Q2 '09   48.8
Bank's liquidity in foreign currency position
                                                Q3 '09   11.0
                                                Q4 '09   35.3
                                                Q1 '10   10.9
                                                Q2 '10   42.9
                                                Q3 '10   49.1
                                                H2 '07    -
                                                H1 '08   28.3




        Exchange rate expectations
                                                   H2 '08   28.9
                                                   Q1 '09   51.0
                                                   Q2 '09   28.8
          Exchange rate expectations
                                                   Q3 '09   41.0
                                                   Q4 '09   46.7
                                                   Q1 '10   30.1
                                                   Q2 '10   44.4
                                                   Q3 '10   33.6
                                                   H2 '07    -
                                                   H1 '08   25.4
                                                   H2 '08   40.3
                                                   Q1 '09   34.5
 Expectations on the direction and the size of     Q2 '09   25.4
       reference rate possible change              Q3 '09   24.7
                                                   Q4 '09   42.9
                                                   Q1 '10   14.7
                                                   Q2 '10   37.3
                                                   Q3 '10   31.0
                                                   H2 '07    -
                                                   H1 '08   64.5
                                                   H2 '08   56.9
                                                   Q1 '09   24.8
   Low awarness regarding future economic
                                                   Q2 '09   31.4
developments (ex.Lek depreciation, interest rate
                                                   Q3 '09   74.7
                increse, etcc. )
                                                   Q4 '09   57.7
                                                   Q1 '10   49.9
                                                   Q2 '10   21.5
                                                   Q3 '10   5.1
                                                   H2 '07    -
                                                   H1 '08    -
                                                   H2 '08    -
                                                   Q1 '09    -
                                                   Q2 '09    -
                   Other …
                                                   Q3 '09    -
                                                   Q4 '09    -
                                                   Q1 '10    -
                                                   Q2 '10    -
                                                   Q3 '10    -
         Table 7- LOANS TO HOUSEHOLDS - CREDIT STANDARDS
                                         REALISED                   EXPECTATIONS
                                       Net balances (%)*            Net balances (%)*
                       H2 '07                                               -
                       H1 '08                 -4.0                          -
                       H2 '08                -61.1                          -
                       Q1 '09                -44.3                          -
                       Q2 '09                -26.1                          -
      Overall
                       Q3 '09                 0.0                           -
                       Q4 '09                 -4.0                          -
                       Q1 '10                -26.5                          -
                       Q2 '10                 1.5                           -
                       Q3 '10                 -1.2                          -
                       H2 '07                 0.1                          0.3
                       H1 '08                 -1.9                         -5.1
                       H2 '08                -51.6                        -30.8
                       Q1 '09                -44.3                        -35.0
                       Q2 '09                -17.5                         0.0
 House purchase
                       Q3 '09                 -1.7                         4.1
                       Q4 '09                 -1.7                         13.7
                       Q1 '10                -13.4                         -5.0
                       Q2 '10                 2.8                          14.9
                       Q3 '10                 28.5                         25.0
                       H2 '07                 -6.2                        -21.3
                       H1 '08                -50.6                         -5.8
                       H2 '08                -73.1                        -23.9
                       Q1 '09                -42.9                        -31.9
                       Q2 '09                -29.3                         0.0
 Consumer credit
                       Q3 '09                 -4.7                         -0.5
                       Q4 '09                 -8.7                         4.4
                       Q1 '10                -24.8                         -5.0
                       Q2 '10                 3.2                          3.0
                       Q3 '10                 -4.7                         3.2
(*) Negative balances indicate that banks have tightened their credit standards, whereas a
net positive balance indicates that banks eased the credit standards.
    Table 8 - LOANS TO HOUSEHOLDS - THE FACTORS AFFECTING CREDIT
                             STANDARDS
                                                            Net balances (%)
                                                  H2 '07   -31.2
                                                  H1 '08    7.1
                                                  H2 '08   -26.2
                                                  Q1 '09   -14.2
                                                  Q2 '09   -17.1
           Bank's capital adequacy
                                                  Q3 '09   -4.4
                                                  Q4 '09   -4.4
                                                  Q1 '10   -4.4
                                                  Q2 '10    5.5
                                                  Q3 '10   -1.9
                                                  H2 '07   -0.1
                                                  H1 '08   -35.9
                                                  H2 '08   -17.0
                                                  Q1 '09   -9.9
                                                  Q2 '09   -19.5
      Monetary policy decisions of BoA
                                                  Q3 '09   -2.7
                                                  Q4 '09    0.0
                                                  Q1 '10    0.0
                                                  Q2 '10    4.5
                                                  Q3 '10    0
                                                  H2 '07   -22.7
                                                  H1 '08    6.3
                                                  H2 '08    2.2
                                                  Q1 '09   -9.3
                                                  Q2 '09   -2.2
     Competition in the banking system
                                                  Q3 '09   -4.0
                                                  Q4 '09   -7.2
                                                  Q1 '10   -11.8
                                                  Q2 '10    7.2
                                                  Q3 '10   27.5
                                                  H2 '07   -19.3
                                                  H1 '08   12.4
                                                  H2 '08   -35.7
                                                  Q1 '09   -42.1
                                                  Q2 '09   -31.3
Bank's actual and expected liquidity positition
                                                  Q3 '09   -24.2
                                                  Q4 '09   -12.1
                                                  Q1 '10   -19.3
                                                  Q2 '10   -2.0
                                                  Q3 '10   27.1
                                                  H2 '07   -29.1
                                                  H1 '08   -47.7




       Households financial situation
                                  H2 '08   -53.3
                                  Q1 '09   -58.3
                                  Q2 '09   -42.6
 Households financial situation
                                  Q3 '09   -51.2
                                  Q4 '09   -27.2
                                  Q1 '10   -51.8
                                  Q2 '10   -33.3
                                  Q3 '10   -17.8
                                  H2 '07   -5.7
                                  H1 '08   -51.6
                                  H2 '08   -40.9
                                  Q1 '09   -29.8
                                  Q2 '09   -45.2
     Non performing loans
                                  Q3 '09   -47.9
                                  Q4 '09   -17.7
                                  Q1 '10   -39.0
                                  Q2 '10   -25.8
                                  Q3 '10   -15.0
                                  H2 '07   -10.7
                                  H1 '08   -18.4
                                  H2 '08   -31.7
                                  Q1 '09   -60.2
                                  Q2 '09   -43.2
Real estate market developments
                                  Q3 '09   -26.0
                                  Q4 '09   -12.1
                                  Q1 '10   -16.5
                                  Q2 '10   -2.1
                                  Q3 '10   11.9
                                  H2 '07    4.9
                                  H1 '08     -
                                  H2 '08     -
                                  Q1 '09     -
                                  Q2 '09     -
           Other …                Q3 '09    0.0
                                  Q4 '09    0.0
                                  Q1 '10    0.0
                                  Q2 '10    0.0
                                  Q3 '10    0.0
Table 9 - LOANS TO HOUESEHOLDS - TERMS AND CONDITIONS APPLIED
                       TO LOAN APPROVAL
                                                         Net balances (%)
                                          H2 '07     -
                                          H1 '08    6.4
                                          H2 '08   -37.7
                                          Q1 '09   -57.9
                                          Q2 '09   -27.3
       Margin on average loans
                                          Q3 '09    2.5
                                          Q4 '09    6.7
                                          Q1 '10   -4.0
                                          Q2 '10   -5.3
                                          Q3 '10   11.7
                                          H2 '07     -
                                          H1 '08   -20.6
                                          H2 '08   -57.4
                                          Q1 '09   -46.1
                                          Q2 '09   -39.7
        Margin on riskier loans
                                          Q3 '09   -3.8
                                          Q4 '09   -7.8
                                          Q1 '10   -14.7
                                          Q2 '10   -8.4
                                          Q3 '10   -6.6
                                          H2 '07     -
                                          H1 '08   -1.8
                                          H2 '08   -10.4
                                          Q1 '09   -11.7
                                          Q2 '09   -7.7
Commissions or fees applied by the bank
                                          Q3 '09   -2.2
                                          Q4 '09    0.0
                                          Q1 '10    0.0
                                          Q2 '10   13.8
                                          Q3 '10   -1.6
                                          H2 '07     -
                                          H1 '08   -5.6
                                          H2 '08   -37.5
                                          Q1 '09   -32.4
                                          Q2 '09   -11.4
              Loan's size
                                          Q3 '09    0.0
                                          Q4 '09    0.0
                                          Q1 '10   -2.7
                                          Q2 '10    2.2
                                          Q3 '10    0.0
                                          H2 '07     -
                                          H1 '08   -1.3



  Collateral requirements according to
                loan's size
                                       H2 '08   -30.1
                                       Q1 '09   -44.7
Collateral requirements according to   Q2 '09   -41.8
              loan's size              Q3 '09   -1.7
                                       Q4 '09    6.6
                                       Q1 '10   -10.7
                                       Q2 '10   -14.3
                                       Q3 '10   -4.5
                                       H2 '07     -
                                       H1 '08   -2.7
                                       H2 '08   -20.3
                                       Q1 '09   -20.9
                                       Q2 '09    0.0
     Loan's maximum maturity
                                       Q3 '09    0.0
                                       Q4 '09    0.0
                                       Q1 '10    7.7
                                       Q2 '10   12.1
                                       Q3 '10    3.2
                                       H2 '07     -
                                       H1 '08     -
                                       H2 '08     -
                                       Q1 '09     -
                                       Q2 '09     -
             Other …
                                       Q3 '09     -
                                       Q4 '09     -
                                       Q1 '10     -
                                       Q2 '10     -
                                       Q3 '10     -
           Table 10 - LOANS TO HOUSEHOLDS - LOAN DEMAND
                                                  REALISED                EXPECTED
                                               Net balances (%)*        Net balances (%)*
                               H2 '07                   -                     56.5
                               H1 '08                   -                     28.8
                               H2 '08                   -                     -32.7
                               Q1 '09                   -                     -20.0
                               Q2 '09                   -                     13.4
        Overall
                               Q3 '09                   -                     12.3
                               Q4 '09                   -                     14.8
                               Q1 '10                   -                     11.3
                               Q2 '10                   -                     14.3
                               Q3 '10                   -                     24.3
                               H2 '07                 67.7                      -
                               H1 '08                 25.3                      -
                               H2 '08                 -29.3                     -
                               Q1 '09                 -53.1                     -
                               Q2 '09                 -35.9                     -
    House purchase
                               Q3 '09                 -25.6                     -
                               Q4 '09                 -26.9                     -
                               Q1 '10                  1.2                      -
                               Q2 '10                 -17.8                     -
                               Q3 '10                 -15.6                     -
                               H2 '07                 61.8                      -
                               H1 '08                 22.8                      -
                               H2 '08                 -26.9                     -
                               Q1 '09                 -40.4                     -
    Consumer credit            Q2 '09                 -39.0                     -
                               Q3 '09                 -16.9                     -
                               Q4 '09                 -10.6                     -
                               Q1 '10                 18.9                      -
                               Q2 '10                 11.4                      -
                               Q3 '10                  3.9                      -


* The positive balance shows an increase of the demand while the negative balance reveals
                                  a fall of the demand.
   Table 5- LOANS TO HOUSEHOLDS- FACTORS AFFECTING LOAN'S DEMAND
                                                             Net balances (%)*
                                                   H2 '07   64.8
                                                   H1 '08   50.9
                                                   H2 '08   22.4
                                                   Q1 '09   -27.1
                                                   Q2 '09   5.2
        House purchase financing need
                                                   Q3 '09   12.3
                                                   Q4 '09   -1.3
                                                   Q1 '10   12.7
                                                   Q2 '10   30.3
                                                   Q3 '10   45.1
                                                   H2 '07   59.8
                                                   H1 '08   50.7
                                                   H2 '08   33.3
                                                   Q1 '09   14.2
                                                   Q2 '09   9.6
         Consumption financing need
                                                   Q3 '09   17.0
                                                   Q4 '09   25.0
                                                   Q1 '10   29.2
                                                   Q2 '10   42.3
                                                   Q3 '10   45.7
                                                   H2 '07     -
                                                   H1 '08   -24.6
                                                   H2 '08   -23.3
                                                   Q1 '09   10.2
Usage of alternative sources of financing (lower
                                                   Q2 '09   -9.7
 savings, loans from non bank institutions and
                                                   Q3 '09   2.4
            loans from other banks)
                                                   Q4 '09   -19.0
                                                   Q1 '10   14.8
                                                   Q2 '10   17.3
                                                   Q3 '10   -2.9
                                                   H2 '07   7.1
                                                   H1 '08   -5.6
                                                   H2 '08   5.5
                                                   Q1 '09   -8.6
   Monetary policy decisions of the Bank of        Q2 '09   2.7
                  Albania                          Q3 '09   -4.1
                                                   Q4 '09   0.0
                                                   Q1 '10   11.3
                                                   Q2 '10   8.6
                                                   Q3 '10   4.8
                                                   H2 '07   16.4
                                                   H1 '08   21.1
                                                   H2 '08   -10.3


             Consumer confidence
                                                      Q1 '09                      -21.3
                                                      Q2 '09                      -3.5
             Consumer confidence
                                                      Q3 '09                      -3.5
                                                      Q4 '09                       7.8
                                                      Q1 '10                      29.9
                                                      Q2 '10                       1.5
                                                      Q3 '10                       6.2
                                                      H2 '07                       3.6
                                                      H1 '08                      19.6
                                                      H2 '08                      -27.3
                                                      Q1 '09                      -54.5
                                                      Q2 '09                      -32.0
       Real estate market developments
                                                      Q3 '09                      -32.0
                                                      Q4 '09                       1.5
                                                      Q1 '10                      11.7
                                                      Q2 '10                      -10.3
                                                      Q3 '10                      -16.8
                                                      H2 '07                        -
                                                      H1 '08                      32.3
                                                      H2 '08                       0.5
                                                      Q1 '09                      -28.3
                                                      Q2 '09                      -5.8
    Credit standards applied by your bank
                                                      Q3 '09                      -1.6
                                                      Q4 '09                      12.7
                                                      Q1 '10                      38.6
                                                      Q2 '10                      28.7
                                                      Q3 '10                      25.0
                                                      H2 '07                      -9.6
                                                      H1 '08                        -
                                                      H2 '08                        -
                                                      Q1 '09                       0.0
                                                      Q2 '09                       0.0
                    Other …
                                                      Q3 '09                       0.0
                                                      Q4 '09                       0.0
                                                      Q1 '10                       0.0
                                                      Q2 '10                       0.0
                                                      Q3 '10                       0.0


* The positive balance indicates that the factor has contributed to the increase of credit demand, while
   the negative balance reveals that the factor has contributed to the decrease of the credit demand.
Table 12 - LOANS TO ENTERPRISES - FACTORS AFFECTING DEMAND FOR LOANS IN
                            FOREIGN CURRENCY
                                                               Net balances (%)
                                                 H2 '07    -
                                                 H1 '08   51.2
                                                 H2 '08   57.1
                                                 Q1 '09   42
                                                 Q2 '09   52.8
    Source of income in foreign currency
                                                 Q3 '09   65.2
                                                 Q4 '09   69.0
                                                 Q1 '10   87.6
                                                 Q2 '10   59.0
                                                 Q3 '10   87.9
                                                 H2 '07    -
                                                 H1 '08   76.7
                                                 H2 '08   77.4
                                                 Q1 '09   58.6
   Expenses (goods and services) in foreign      Q2 '09   73.0
                 currency                        Q3 '09   57.8
                                                 Q4 '09   72.4
                                                 Q1 '10   64.3
                                                 Q2 '10   67.0
                                                 Q3 '10   80.0
                                                 H2 '07    -
                                                 H1 '08   87.5
                                                 H2 '08   79.9
                                                 Q1 '09   82.2
                                                 Q2 '09   75.5
           Interest rate differences
                                                 Q3 '09   79.5
                                                 Q4 '09   68.2
                                                 Q1 '10   73.6
                                                 Q2 '10   78.2
                                                 Q3 '10   62.3
                                                 H2 '07    -
                                                 H1 '08   34.8
                                                 H2 '08   49.5
                                                 Q1 '09   39.5
                                                 Q2 '09   39.6
 Bank's liquidity in foreign currency position
                                                 Q3 '09   23.7
                                                 Q4 '09   14.3
                                                 Q1 '10   26.5
                                                 Q2 '10   32.0
                                                 Q3 '10   38.9
                                                 H2 '07    -
                                                 H1 '08   37.7




         Exchange rate expectations
                                                   H2 '08   27.0
                                                   Q1 '09   28.0
                                                   Q2 '09   44.3
          Exchange rate expectations
                                                   Q3 '09   51.9
                                                   Q4 '09   54.1
                                                   Q1 '10   46.4
                                                   Q2 '10   51.8
                                                   Q3 '10   23.6
                                                   H2 '07    -
                                                   H1 '08   41.7
                                                   H2 '08   23.3
                                                   Q1 '09   24.4
 Expectations on the direction and the size of     Q2 '09   28.0
       reference rate possible change              Q3 '09   37.1
                                                   Q4 '09   42.3
                                                   Q1 '10   23.3
                                                   Q2 '10   34.5
                                                   Q3 '10   37.8
                                                   H2 '07    -
                                                   H1 '08   54.4
                                                   H2 '08   40.7
                                                   Q1 '09   37.7
   Low awarness regarding future economic
                                                   Q2 '09   26.8
developments (ex.Lek depreciation, interest rate
                                                   Q3 '09   60.5
                increse, etcc. )
                                                   Q4 '09   49.4
                                                   Q1 '10   42.5
                                                   Q2 '10   17.5
                                                   Q3 '10   1.9
                                                   H2 '07    -
                                                   H1 '08    -
                                                   H2 '08    -
                                                   Q1 '09   0.0
                                                   Q2 '09   0.0
                   Other …
                                                   Q3 '09   0.0
                                                   Q4 '09   0.0
                                                   Q1 '10   0.0
                                                   Q2 '10   0.0
                                                   Q3 '10   0.0

								
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