Secured

Secured lending to households and small businesses To calculate aggregate results, each lender is assigned a score based on their response. Lenders who report that credit conditions have changed ‘a lot’ are assigned twice the score of those who report that conditions have changed ‘a little’. These scores are then weighted by lenders’ market shares. The results are analysed by calculating ‘net percentage balances’ — the difference between the weighted balance of lenders reporting that, for example, demand was higher/lower or terms and conditions were tighter/looser. The net percentage balances are scaled to lie between ±100. This worksheet reports these net percentage balances the regular questions included within the secured lending questionnaire. Some credit conditions surveys have included additional ad hoc questions. The aggregate responses to these ad hoc questions ca found in the report of the credit conditions survey that included them. Positive balances indicate that lenders, on balance, reported/expected demand/credit availability/defaults to be higher than over the previous/current three-month period, or that the terms and conditions on which credit was provided became cheaper or looser respectively. Supply: Risk and risk management: Demand: Terms: * Data are unpublished for this question as too few responses were received. (a) Net percentage balances are calculated by weighting together the responses of those lenders who answered the question by the Positive balances indicate that lenders, on balance, reported/expected demand/credit availability/defaults/risk management activ previous/current three-month period, or that the terms and conditions on which credit was provided became cheaper or looser re (b) A positive balance indicates that the changes in the factors described served to increase credit availability. cured lending to households and small businesses alculate aggregate results, each lender is assigned a score based on their response. Lenders who report that credit conditions changed ‘a lot’ are assigned twice the score of those who report that conditions have changed ‘a little’. These scores are then hted by lenders’ market shares. The results are analysed by calculating ‘net percentage balances’ — the difference between eighted balance of lenders reporting that, for example, demand was higher/lower or terms and conditions were er/looser. The net percentage balances are scaled to lie between ±100. This worksheet reports these net percentage balances for egular questions included within the secured lending questionnaire. e credit conditions surveys have included additional ad hoc questions. The aggregate responses to these ad hoc questions can be d in the report of the credit conditions survey that included them. ive balances indicate that lenders, on balance, reported/expected demand/credit availability/defaults to be higher than over revious/current three-month period, or that the terms and conditions on which credit was provided became cheaper or looser How has the availability of secured credit provided to households changed? Factors contributing to changes in credit availability:(b) changing economic outlook market share objectives changing appetite for risk changing cost/availability of funds How have credit scoring criteria for granting loan applications by households changed? How has the proportion of household loan applications being approved changed? Has there been any change in the use of securitisations associated with secured lending to households? Has there been any change in ‘target hold’ levels associated with secured lending to households? How has the default rate on secured loans to households changed? How has loss given default on secured loans to households changed? How has demand for secured lending for house purchase from households changed? of which: demand for prime lending of which: demand for buy-to-let lending of which: demand for other lending How has demand for secured lending for remortgaging from households changed? How has demand for other lending secured on dwellings from households changed? How has demand for secured lending from small businesses changed? How have overall secured lending spreads changed?(a) of which: spreads on prime lending(a) of which: spreads on buy-to-let lending(a) of which: spreads on other lending (a) How have fees on secured lending changed?(a) How have maximum loan to value ratios changed? How have maximum loan to income ratios changed? a are unpublished for this question as too few responses were received. et percentage balances are calculated by weighting together the responses of those lenders who answered the question by their market shares. ositive balances indicate that lenders, on balance, reported/expected demand/credit availability/defaults/risk management activity to be higher than over th evious/current three-month period, or that the terms and conditions on which credit was provided became cheaper or looser respectively. positive balance indicates that the changes in the factors described served to increase credit availability. Jun 07 Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months -2.9 13.4 -7.2 2.1 20.0 29.6 1.8 13.4 -9.3 13.3 -2.4 19.5 -5.3 9.5 13.3 4.1 -6.6 13.3 3.5 16.1 20.7 13.2 2.1 -14.0 Sep 07 0.1 5.8 -9.6 -3.3 21.3 19.7 -1.5 14.3 10.0 -15.1 -5.7 3.1 -2.7 5.6 -9.1 -20.5 2.6 5.9 -17.5 13.8 -3.9 4.1 7.5 13.2 Net percentage balances Dec 07 Mar 08 Jun 08 -31.2 -25.3 0.5 -19.9 -7.6 -25.5 -35.2 -28.0 -12.5 -17.3 -32.3 -41.0 -21.5 -3.8 -34.7 -37.7 1.3 2.2 1.3 23.0 24.0 22.1 9.4 -25.2 -30.7 -42.5 -35.3 -38.9 5.7 -11.1 -33.2 -46.5 -12.2 -6.7 -43.9 -45.9 -6.8 -21.2 -33.8 -36.6 29.1 29.1 28.6 40.1 25.3 35.3 -3.8 -16.1 -47.0 -22.3 -39.8 -27.4 7.3 3.8 -30.3 -24.8 -21.4 -3.2 -47.5 -38.2 -38.1 -33.3 4.8 -20.1 -2.8 4.3 47.3 50.4 40.5 51.9 -30.2 -40.5 (a) Sep 08 -39.3 -16.8 -42.2 -26.8 -0.1 -2.9 -24.2 -20.1 -11.4 4.8 -39.3 -24.8 -18.6 -16.6 42.1 -34.8 8.5 8.5 44.8 50.1 54.6 54.7 -69.1 -36.5 Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months -3.3 -14.0 14.1 -0.1 n/a* n/a* 22.0 17.1 2.0 2.3 39.1 55.5 38.5 -18.7 42.1 -18.7 20.8 -4.9 -1.1 -3.4 5.9 -2.5 -4.0 1.3 -4.4 -4.4 -3.8 15.8 10.2 -4.9 4.8 -30.4 4.3 24.3 -17.6 -16.2 47.8 47.8 -17.6 4.3 -17.0 5.0 3.1 -5.8 4.4 -4.5 3.4 -6.1 2.8 2.6 -1.4 3.1 4.4 -17.6 14.7 -30.9 15.0 -21.1 34.2 11.6 -17.1 -17.1 10.3 18.6 -56.2 -17.9 -53.2 -9.8 -54.5 -15.8 -53.8 -12.0 -2.7 -3.8 -10.2 -11.9 -3.3 2.1 -1.1 -13.5 6.9 -5.8 17.5 6.8 40.8 24.4 -0.9 7.5 -5.0 -14.4 -61.4 -26.0 -58.1 -24.9 -61.6 -25.6 -70.8 -28.6 -1.9 -3.8 -18.9 -41.2 -11.5 -13.1 -38.6 -39.2 10.4 -16.9 -36.4 -29.2 24.0 24.3 -26.1 -20.0 -15.1 -34.7 -25.8 2.1 -25.0 -5.5 -66.4 3.8 -31.2 1.2 -12.3 -3.5 -53.8 -39.4 3.5 -6.5 -50.8 -33.3 -28.6 -6.6 -46.2 -7.9 -18.5 -19.1 -60.8 -43.3 -40.6 -10.3 0.0 14.3 4.0 16.4 -2.9 17.4 -5.2 6.7 -7.3 -3.0 -26.6 -8.6 -1.7 -7.7 on by their market shares. ent activity to be higher than over the a) Dec 08 -31.1 -21.2 -25.7 -24.5 -5.5 -5.7 -23.0 -18.5 -22.7 -9.3 -42.0 -19.2 -43.5 -32.6 43.4 -18.6 n/a* n/a* 54.6 66.1 53.4 62.8 -1.2 -27.8 Mar 09 -25.2 14.8 -27.3 -3.3 -28.0 0.0 -40.4 -8.9 -19.0 9.5 -35.9 -17.3 -43.2 -44.2 -10.9 -13.9 n/a* n/a* 68.2 69.2 69.3 74.6 -15.0 -28.0 Jun 09 9.7 13.6 -13.1 -6.8 -3.6 -2.4 -2.5 5.2 9.1 -0.5 -40.1 6.2 -28.1 -4.4 -2.4 7.2 0.0 0.0 60.7 66.7 63.8 43.2 24.1 -2.9 Sep-09 -7.2 12.3 -1.2 13.9 -6.5 4.7 -4.5 5.3 -12.3 3.2 -1.2 -1.3 13.6 0.6 4.7 23.6 0.0 0.0 -18.2 6.3 -5.2 20.0 48.3 -14.7 -3.3 -27.6 -35.1 -26.3 -17.9 -12.1 1.5 -28.5 -24.8 -18.5 -34.0 -26.9 -42.8 -4.0 -40.6 -4.1 -52.9 2.8 -20.8 -3.3 -7.5 -0.8 -31.4 -18.7 -15.9 -18.2 -14.1 -28.9 -29.6 -28.9 -25.8 -7.4 -75.3 -51.0 -66.3 -51.3 6.7 27.1 -42.2 9.5 -33.5 4.1 -33.6 8.0 -26.9 -2.9 -0.7 0.2 -15.2 -10.5 2.7 7.4 19.1 -2.9 -8.8 -14.9 -35.6 -8.4 -50.9 1.9 4.2 -10.6 -16.0 21.0 -25.2 5.3 -25.2 -0.8 -35.0 -12.6 n/a* n/a* -0.7 0.9 -3.4 18.2 -5.8 0.0 41.5 -22.3 -2.7 -1.8 n/a* n/a* -1.1 14.1 1.3 0.0 11.2 13.1 -7.5 14.5 -7.5 14.3 -8.5 7.4 n/a* n/a* 1.0 -16.2 -0.7 13.9 0.0 5.5 Unsecured lending to households and small businesses To calculate aggregate results, each lender is assigned a score based on their response. Lenders who report that credit conditions have changed ‘a lot’ are assigned twice the score of those who report that conditions have changed ‘a little’. These scores are then weighted by lenders’ market shares. The results are analysed by calculating ‘net percentage balances’ — the difference between the weighted balance of lenders reporting that, for example, demand was higher/lower or terms and conditions were tighter/looser. The net percentage balances are scaled to lie between ±100. This worksheet reports these net percentage balances the regular questions included within the unsecured lending questionnaire. Some credit conditions surveys have included additional ad hoc questions. The aggregate responses to these ad hoc questions ca found in the report of the credit conditions survey that included them. Positive balances indicate that lenders, on balance, reported/expected demand/credit availability/defaults to be higher than over the previous/current three-month period, or that the terms and conditions on which credit was provided became cheaper or looser respectively. Supply: Risk: Demand: Terms: (a) Net percentage balances are calculated by weighting together the responses of those lenders who answered the question by the Positive balances indicate that lenders, on balance, reported/expected demand/credit availability/defaults to be higher than over previous/current three-month period, or that the terms and conditions on which credit was provided became cheaper or looser re (b) A positive balance indicates that the changes in the factors described served to increase credit availability. secured lending to households and small businesses alculate aggregate results, each lender is assigned a score based on their response. Lenders who report that credit conditions changed ‘a lot’ are assigned twice the score of those who report that conditions have changed ‘a little’. These scores are then hted by lenders’ market shares. The results are analysed by calculating ‘net percentage balances’ — the difference between eighted balance of lenders reporting that, for example, demand was higher/lower or terms and conditions were er/looser. The net percentage balances are scaled to lie between ±100. This worksheet reports these net percentage balances for egular questions included within the unsecured lending questionnaire. e credit conditions surveys have included additional ad hoc questions. The aggregate responses to these ad hoc questions can be d in the report of the credit conditions survey that included them. ive balances indicate that lenders, on balance, reported/expected demand/credit availability/defaults to be higher than over revious/current three-month period, or that the terms and conditions on which credit was provided became cheaper or looser How has the availability of unsecured credit provided to households changed? Factors contributing to changes in credit availability:(b) changing economic outlook market share objectives changing appetite for risk changing cost/availability of funds How have credit scoring criteria for granting credit card loan applications by households changed? How have credit scoring criteria for granting other unsecured loan applications by households changed? How have credit scoring criteria for granting total unsecured loan applications by households changed? How has the proportion of credit card loan applications from households being approved changed? How has the proportion of other unsecured loan applications from households being approved changed? How has the proportion of total unsecured loan applications from households being approved changed? How has the default rate on credit card loans to households changed? How has the default rate on other unsecured loans to households changed? How has the default rate on total unsecured loans to households changed? How has loss given default on credit card loans to households changed? How has loss given default on other unsecured loans to households changed? How has loss given default on total unsecured loans to households changed? How has demand for credit card lending from households changed? How has demand for other unsecured lending from households changed? How has demand for total unsecured lending from households changed? How has demand for credit card lending from small businesses changed? How has demand for other unsecured lending from small businesses changed? How has demand for total unsecured lending from small businesses changed? How have spreads on credit cards changed?(a) How have spreads on other unsecured lending products changed?(a) How have overall unsecured lending spreads changed? (a) How have credit card limits changed? How has the minimum proportion of credit card balances to be paid changed?(a) How have maximum maturities on loans changed? et percentage balances are calculated by weighting together the responses of those lenders who answered the question by their market shares. ositive balances indicate that lenders, on balance, reported/expected demand/credit availability/defaults to be higher than over the evious/current three-month period, or that the terms and conditions on which credit was provided became cheaper or looser respectively. positive balance indicates that the changes in the factors described served to increase credit availability. percentage balances for ad hoc questions can be Jun 07 Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months -14.3 4.9 -8.0 -2.6 6.5 13.6 -3.4 1.4 17.4 18.8 -15.0 -1.0 -12.0 -5.6 -14.2 -2.2 33.2 6.1 6.1 2.6 25.9 5.2 -14.6 -17.3 -6.0 Sep 07 -10.2 -2.9 -13.4 -12.2 -0.8 -3.6 -8.0 -11.7 1.0 0.0 -7.8 -13.7 19.9 -24.2 -0.8 -16.3 15.1 -2.5 14.8 -18.1 15.0 -6.4 -20.8 -13.3 -6.5 Net percentage balances Dec 07 Mar 08 Jun 08 -13.6 -7.0 -11.9 -23.2 7.5 -2.5 -14.3 -18.7 1.2 -10.2 7.9 -16.4 -8.5 -24.2 3.7 -18.3 10.0 -26.3 -17.7 -28.5 3.0 -26.9 -8.8 9.0 -11.4 -21.1 -13.7 -17.9 -10.8 -0.7 -1.2 -8.3 -16.6 -1.6 -1.4 -16.6 0.2 -20.8 -21.8 -17.7 -5.2 -6.7 -7.6 -24.9 -26.8 -11.2 -12.4 -10.0 2.1 5.5 -24.0 -25.3 -19.6 -32.7 0.5 0.5 -9.3 -21.0 0.3 -1.1 4.5 -34.3 -26.7 -48.6 -3.0 -37.8 -16.3 -9.2 -11.3 -27.2 -15.1 -13.5 6.4 17.3 19.2 (a) Sep 08 -27.5 -32.0 -34.7 -35.4 -5.3 -5.3 -28.0 -32.3 -5.0 -5.5 -33.1 -41.4 -31.6 -26.4 -32.8 -37.9 -15.8 -46.0 -31.1 -13.5 -19.3 -38.5 33.9 36.9 40.9 Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months -20.8 -12.3 -18.2 -2.9 -3.7 13.9 8.8 1.6 -0.3 1.2 5.2 -20.4 1.3 -4.6 4.2 14.7 0.9 2.6 2.6 11.8 1.3 6.6 5.7 -6.9 -2.9 3.0 3.4 -10.4 12.7 -4.6 11.0 -2.5 0.0 -7.5 -17.2 -11.8 5.9 12.8 -1.4 5.8 4.1 11.0 -2.2 3.2 -4.9 -4.5 -2.9 1.2 -4.9 -2.4 -11.4 -9.2 -6.7 -4.2 16.2 0.4 6.7 -16.0 13.8 -3.7 25.1 -2.7 -2.9 8.5 0.0 -0.9 -7.6 -9.5 4.8 5.2 4.6 8.8 17.2 6.1 7.8 10.5 -5.9 -11.7 2.3 4.9 -3.8 5.2 19.7 -9.2 -10.5 0.2 9.4 -3.5 -1.2 -15.8 -18.8 -6.6 -5.7 16.8 7.9 3.2 -0.1 -2.3 0.0 3.2 -6.2 2.4 -3.7 -3.0 1.4 4.3 -2.4 -1.2 -11.0 5.1 7.8 -23.3 -6.4 -1.9 -1.6 -1.6 -14.5 -13.9 -5.3 -5.2 -4.8 -11.9 -21.5 -4.0 -8.9 -10.0 13.9 -2.3 -4.7 -5.2 3.7 0.0 13.7 9.5 16.4 3.9 13.3 7.2 20.3 4.7 15.0 23.1 1.2 -44.8 -12.0 6.7 -2.0 20.1 1.9 -5.5 -19.0 13.8 -3.2 -4.4 -3.2 -18.6 -4.4 -7.8 -3.5 -15.0 -12.7 0.1 -9.4 -8.0 -10.3 25.7 35.5 34.3 25.3 21.4 12.6 22.4 22.4 21.6 -14.6 -6.1 -17.9 7.3 -15.4 -3.0 4.4 13.0 -16.2 -19.1 -0.1 6.1 -8.3 -10.9 -12.6 -4.6 -9.3 -9.5 -24.3 -15.2 -7.0 4.1 -14.8 -14.8 ed the question by their market shares. o be higher than over the cheaper or looser respectively. a) Dec 08 -30.5 -37.4 -24.1 -29.3 -9.0 -9.4 -17.4 -37.3 -7.4 -7.4 -26.7 -46.8 -35.0 -54.3 -28.5 -48.5 4.5 -43.8 -36.4 -46.6 -4.3 -44.4 34.6 50.1 49.0 Mar 09 -17.1 -2.3 -25.5 -16.7 -3.4 -2.3 -19.1 -9.9 -2.3 -2.7 -60.9 -16.2 -50.4 -41.7 -58.8 -21.3 -29.1 -12.4 -38.0 -27.3 -30.8 -15.4 61.0 49.3 30.1 Jun 09 -13.4 -6.9 3.2 -4.4 -8.5 5.7 -1.9 -1.6 -0.7 -2.7 -24.2 -20.5 -42.4 -31.9 -27.6 -22.6 -21.7 -11.4 -35.5 -15.3 -24.2 -12.1 38.4 37.3 37.3 Sep 09 -9.0 -12.1 -10.6 -9.9 6.0 -4.5 -24.7 -14.3 -11.3 -10.4 -26.7 -34.1 -48.7 -19.4 -30.5 -31.5 -1.3 -19.4 -5.0 -3.1 -1.9 -16.6 40.5 43.0 28.3 44.1 37.7 48.8 36.7 25.6 12.3 25.7 31.4 25.6 13.0 -20.4 -36.8 -12.0 2.3 -18.6 4.2 9.1 -52.1 -15.8 -8.8 3.4 1.8 21.0 -34.8 -11.2 -6.1 14.0 -21.4 -25.1 -3.7 -26.1 -10.3 -8.3 30.1 54.8 45.5 28.0 24.1 25.1 14.1 27.4 22.1 -23.5 -17.9 -25.6 -24.9 -23.9 -19.3 17.3 32.3 2.6 -8.5 14.2 23.7 -24.7 -1.6 -35.0 -16.2 -26.7 -4.5 -17.4 -27.9 -12.0 -10.5 18.5 15.2 42.1 38.2 38.2 30.3 27.9 41.2 22.8 32.3 26.9 -27.0 -10.5 -12.8 9.6 -24.4 -6.8 21.7 32.2 -26.7 18.1 12.3 29.5 -5.8 19.0 -39.3 8.5 -12.0 17.1 -16.1 -16.6 -6.2 0.0 15.6 17.2 31.9 38.4 41.1 38.2 39.0 31.8 20.2 37.1 35.8 -11.4 -4.1 -3.1 -15.8 -10.0 -6.1 14.3 18.8 9.0 10.7 13.3 17.4 -13.9 0.7 -18.0 -24.0 -14.6 -3.6 -30.2 -14.4 -6.1 0.0 1.6 3.6 Corporate lending To calculate aggregate results, each lender is assigned a score based on their response. Lenders who report that credit conditions have changed ‘a lot’ are assigned twice the score of those who report that conditions have changed ‘a little’. These scores are then weighted by lenders’ market shares. The results are analysed by calculating ‘net percentage balances’ — the difference between the weighted balance of lenders reporting that, for example, demand was higher/lower or terms and conditions were tighter/looser. The net percentage balances are scaled to lie between ±100. This worksheet reports these net percentage balances the regular questions included within the corporate lending questionnaire. Some credit conditions surveys have included additional ad hoc questions. The aggregate responses to these ad hoc questions ca found in the report of the credit conditions survey that included them. Positive balances indicate that lenders, on balance, reported/expected demand/credit availability/defaults to be higher than over the previous/current three-month period, or that the terms and conditions on which credit was provided became cheaper or looser respectively. Supply: Risk and risk management: Demand: Terms: * Data are unpublished for this question as too few responses were received. (a) Net percentage balances are calculated by weighting together the responses of those lenders who answered the question by the Positive balances indicate that lenders, on balance, reported/expected demand/credit availability/defaults/risk management activ previous/current three-month period, or that the terms and conditions on which credit was provided became cheaper or looser re (b) A positive balance indicates that the changes in the factors described served to increase credit availability or demand. (c) A positive balance indicates an increase in new corporate loan tenors. This sign convention was changed in 2009 Q3 and was a orporate lending calculate aggregate results, each lender is assigned a score based on their response. Lenders who report that credit conditions ve changed ‘a lot’ are assigned twice the score of those who report that conditions have changed ‘a little’. These scores are then eighted by lenders’ market shares. The results are analysed by calculating ‘net percentage balances’ — the difference between e weighted balance of lenders reporting that, for example, demand was higher/lower or terms and conditions were hter/looser. The net percentage balances are scaled to lie between ±100. This worksheet reports these net percentage balances for e regular questions included within the corporate lending questionnaire. ome credit conditions surveys have included additional ad hoc questions. The aggregate responses to these ad hoc questions can be und in the report of the credit conditions survey that included them. ositive balances indicate that lenders, on balance, reported/expected demand/credit availability/defaults to be higher than over e previous/current three-month period, or that the terms and conditions on which credit was provided became cheaper or looser How has the availability of credit provided to the corporate sector overall changed? of which: commercial real estate sector Factors contributing to changes in credit availability:(b) changing economic outlook changing sector-specific risks market share objectives market pressures from capital markets changing appetite for risk changing cost/availability of funds How has the proportion of loan applications from medium PNFCs being approved changed? How has the proportion of loan applications from large PNFCs being approved changed? Has there been any change in the use of cash securitisations associated with corporate lending? Has there been any change in the use of derivatives/synthetic securitisations associated with corporate lending? Has there been any change in ‘target hold’ levels associated with corporate lending? How have loan tenors on new corporate loans changed? (c) How has the default rate on loans to medium PNFCs changed? How has the default rate on loans to large PNFCs changed? How has loss given default on loans to medium PNFCs changed? How has loss given default on loans to large PNFCs changed? How has demand for lending from medium PNFCs changed? How has demand for lending from large PNFCs changed? How has demand from institutional investors/pension funds changed? How has demand from securities dealers changed? How has demand from hedge funds changed? How has demand from structured finance vehicles changed? How has demand from other OFCs changed? What have been the main factors contributing to changes in demand for lending:(b) mergers and acquisitions capital investment inventory finance balance sheet restructuring commercial real estate How have spreads on loans to medium PNFCs changed?(a) How have fees/commissions on loans to medium PNFCs changed? (a) How have collateral requirements for loans to medium PNFCs changed?(a) How have maximum credit lines for medium PNFCs changed? How have loan covenants for medium PNFCs changed?(a) How have spreads on loans to large PNFCs changed?(a) How have fees/commissions on loans to large PNFCs changed? (a) How have collateral requirements for loans to large PNFCs changed?(a) How have maximum credit lines for large PNFCs changed? How have loan covenants for large PNFCs changed?(a) How have spreads on loans to OFCs changed? (a) How have fees/commissions on loans to OFCs changed?(a) How have collateral requirements for loans to OFCs changed?(a) How have maximum credit lines for OFCs changed? Data are unpublished for this question as too few responses were received. Net percentage balances are calculated by weighting together the responses of those lenders who answered the question by their market shares. Positive balances indicate that lenders, on balance, reported/expected demand/credit availability/defaults/risk management activity to be higher than ove previous/current three-month period, or that the terms and conditions on which credit was provided became cheaper or looser respectively. A positive balance indicates that the changes in the factors described served to increase credit availability or demand. A positive balance indicates an increase in new corporate loan tenors. This sign convention was changed in 2009 Q3 and was applied to the back data a o report that credit conditions a little’. These scores are then s’ — the difference between ese net percentage balances for s to these ad hoc questions can be ults to be higher than over d became cheaper or looser Net percentage balances Dec 07 Mar 08 Jun 08 -51.8 -35.7 -37.1 -45.6 -45.1 -46.7 -38.8 -45.5 -27.4 -29.9 -38.2 -23.3 -33.9 -33.5 -45.2 -41.6 -29.2 -28.7 -29.1 -26.4 -75.8 -54.0 -36.7 -32.1 11.3 -37.3 -30.7 -43.0 -49.5 -37.4 -22.5 -1.6 -10.7 -7.4 -16.8 21.2 -7.4 10.5 -3.5 4.8 1.6 -16.1 -13.9 -35.1 -22.3 -27.1 -18.8 -13.4 -13.7 17.3 -32.1 -9.2 -58.2 -22.2 -44.3 -29.2 -41.1 -17.5 -6.8 -3.9 -19.9 -21.9 -39.9 -7.9 -29.6 -8.9 -25.7 -17.1 -24.2 -14.3 1.2 1.2 -1.4 6.1 28.0 (a) Jun 07 Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months 1.8 0.0 0.8 -3.2 -4.5 -16.2 -29.5 -15.5 21.0 4.1 25.1 0.2 1.1 -12.3 -25.1 -10.8 -20.9 -10.2 3.4 -2.0 7.7 21.3 3.9 15.9 37.3 Sep 07 -20.2 -49.3 -14.7 -29.8 -11.2 -48.4 -25.7 -37.3 0.0 0.0 -31.6 -50.1 -17.5 -27.7 -33.7 -42.2 -21.6 -26.4 -16.0 -20.7 -1.5 -68.8 1.0 -40.1 18.5 Sep 08 -36.2 -8.8 -52.8 -29.1 -53.0 -45.6 -42.9 -42.2 -20.2 -19.2 -19.3 -18.3 -43.0 -18.9 -34.5 -21.6 -30.5 -10.8 -17.0 -4.3 -2.4 -2.4 5.8 5.8 33.0 Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months 18.8 0.7 9.1 12.4 21.0 -3.9 19.2 1.5 1.5 0.0 0.0 6.0 4.1 30.9 6.4 0.0 0.0 n/a* n/a* -1.0 -1.0 6.7 6.2 0.0 0.0 45.3 27.3 -1.9 -4.2 -11.2 -15.9 4.7 1.9 21.5 -4.5 3.6 0.0 3.8 5.5 -13.3 1.3 21.0 0.0 2.0 0.0 5.1 0.0 1.2 -7.3 -15.0 -21.9 -31.0 -4.5 5.4 n/a* n/a* n/a* n/a* -4.9 -1.7 -1.7 3.9 15.5 -66.8 -12.6 -27.5 -20.0 -21.5 -40.3 -48.8 -31.1 -46.5 -7.8 -26.8 32.7 -13.6 -8.1 23.3 12.7 1.1 2.8 3.4 11.5 1.8 0.7 -7.2 6.9 -24.4 -0.2 38.5 35.8 24.1 24.1 54.8 43.3 46.0 31.4 17.9 17.8 -53.7 -22.6 -15.4 -8.3 -14.0 -1.1 -26.7 -7.0 -15.9 -22.9 -36.6 -55.9 33.2 -17.6 -21.0 29.2 37.0 24.4 36.8 8.7 20.1 0.0 15.1 -13.8 -7.2 4.1 -14.6 2.1 16.1 -11.7 3.0 23.3 15.0 -48.9 -0.2 -1.3 -4.5 6.7 -5.0 -16.4 -10.6 9.6 9.9 2.4 6.0 -23.2 -10.2 -45.7 -45.4 14.6 -25.4 -16.2 37.0 36.8 29.6 36.1 23.4 32.3 14.4 23.1 -10.4 -15.2 -40.7 -10.7 -20.0 -3.3 -8.6 -1.7 2.9 10.4 -63.7 -18.6 -25.7 -5.3 -32.8 -8.4 -27.2 -15.1 1.9 -0.7 -7.0 9.8 -28.2 -21.9 -63.4 -46.0 16.5 -5.1 -7.7 53.1 47.6 36.3 45.1 20.6 34.9 13.3 27.9 -33.8 -29.8 -14.0 -19.7 -9.3 -21.6 n/a* n/a* -3.2 -3.2 -19.6 -3.6 -17.4 -17.4 -41.8 -27.0 -50.1 -51.7 9.0 4.0 19.2 19.3 -55.7 -36.3 -61.5 -48.1 Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months Past three months Next three months 0.7 0.0 -7.5 0.0 3.6 3.1 14.8 -1.3 29.8 21.2 26.1 20.4 22.8 0.0 20.6 6.3 36.4 20.9 19.7 19.5 18.4 18.4 10.9 0.0 4.4 4.4 -4.7 -21.1 0.0 -10.0 0.0 -24.5 -1.1 -29.3 -16.4 -51.2 -7.1 -35.5 13.1 -6.5 10.5 -47.0 4.9 -48.2 -27.7 -82.2 -11.8 -42.4 -1.4 -45.1 -13.1 -54.8 -30.3 -51.9 -11.9 -15.6 -21.1 -21.1 -20.6 -37.8 -60.1 -56.4 -52.5 -59.3 -16.8 -12.9 -36.4 -16.8 -46.3 -35.6 -72.1 -70.7 -64.4 -62.9 -35.7 -34.3 -37.4 -38.4 -40.7 -44.6 -21.5 -19.5 -30.6 -25.9 -35.6 -25.4 -67.6 -33.2 -49.6 -42.1 -1.7 4.7 -49.0 -12.4 -48.1 -23.3 -54.8 -41.7 -50.8 -38.9 -29.7 -12.4 -52.5 -34.5 -62.2 -48.1 -17.9 -1.8 -27.2 -18.5 -37.1 -42.2 -72.5 -49.4 -68.4 -49.4 -15.8 -8.2 -44.2 -13.3 -40.1 -28.4 -68.7 -42.7 -69.9 -46.6 -10.3 -3.9 -46.3 -18.7 -59.8 -43.8 -20.8 -17.6 -30.1 -20.3 -35.8 -12.8 -71.9 -53.9 -71.9 -50.7 -26.5 -16.5 -24.3 -6.1 -26.0 -10.9 -66.8 -45.2 -51.4 -47.4 -23.9 -17.8 -23.2 -23.2 answered the question by their market shares. efaults/risk management activity to be higher than over the became cheaper or looser respectively. hanged in 2009 Q3 and was applied to the back data accordingly. (a) Dec 08 -28.2 -12.8 -57.0 -38.1 -44.8 -40.5 -49.8 -32.9 -21.6 -19.6 -13.0 -7.1 -36.1 -36.1 -55.2 -21.0 -43.6 -37.8 -40.1 -28.0 -3.6 1.1 1.9 -1.5 37.1 Mar 09 7.8 26.3 -34.4 -8.0 -49.7 -17.2 -21.9 -13.6 5.9 5.9 6.4 0.4 -19.9 -18.0 0.5 16.5 -29.1 -25.9 -22.4 -17.3 24.0 1.2 3.1 -1.5 16.4 Jun 09 14.3 27.7 -38.7 -3.9 -12.7 0.0 -2.3 -6.9 10.9 11.8 2.2 5.1 0.0 0.0 12.9 26.5 3.5 8.6 5.4 7.3 n/a* n/a* 9.0 -2.4 24.6 Sep 09 24.8 28.9 -8.1 -5.9 0.3 3.1 2.3 -3.1 9.5 13.3 0.7 0.8 0.8 1.6 32.5 21.4 11.8 17.1 3.2 11.9 9.9 0.0 5.8 -1.8 15.3 16.6 -38.9 -16.9 60.2 67.0 47.4 62.0 67.6 63.5 46.9 40.6 -35.5 -37.3 -34.4 -17.2 -23.6 -6.1 -35.6 -3.8 n/a* n/a* -31.9 -5.1 -21.2 -6.1 -48.1 -41.7 -66.0 -47.5 11.4 12.6 24.0 36.8 -55.8 -37.0 -56.7 -39.8 19.0 -23.0 -0.5 50.5 71.7 35.2 51.8 54.2 51.8 41.8 31.7 -54.5 -16.6 -33.6 10.5 -1.5 -1.5 -6.6 -6.6 -16.3 -3.7 -2.3 -2.3 n/a* n/a* -24.5 -22.3 -61.4 -28.4 -23.4 -19.9 35.2 40.4 -46.4 -13.9 -42.7 -23.7 30.8 -22.4 -20.5 46.3 46.8 48.0 45.2 33.4 35.8 30.8 24.3 -2.1 13.0 -3.6 0.0 -1.5 -1.5 n/a* n/a* n/a* n/a* n/a* n/a* 0.0 0.0 -9.4 4.7 -40.7 -24.2 -6.9 -6.2 37.4 28.8 -53.4 -24.4 -12.2 -10.0 0.0 -0.6 13.1 42.5 35.6 34.8 37.1 29.8 22.0 28.8 23.0 12.3 14.9 -5.3 14.9 -1.2 -2.6 n/a* n/a* n/a* n/a* n/a* n/a* 9.2 7.7 -6.4 19.2 -25.9 -6.6 1.4 19.7 15.7 24.6 6.9 -14.7 -15.2 10.7 -53.0 -37.7 -22.8 -15.2 -25.4 -17.6 -22.5 -14.9 -60.1 -38.7 -57.4 -36.0 -26.0 -15.4 -21.3 -22.3 -22.9 -10.2 -58.0 -39.5 -56.5 -34.7 -54.5 -34.1 -69.2 -41.2 -41.5 -23.7 -9.6 -10.3 -13.9 -9.8 -32.9 -27.8 -59.0 -45.0 -51.2 -45.0 -6.7 -5.8 -12.4 -1.3 -37.1 -21.3 -47.9 -25.6 -37.8 -25.6 -27.5 -19.0 -46.4 -31.1 -11.9 -11.0 -7.3 -5.4 3.6 -6.7 -27.1 -6.5 -11.2 -2.9 -6.8 -3.8 -3.5 -1.6 7.4 -2.8 -24.2 -5.2 -40.7 -21.9 -34.2 -21.9 -32.2 -20.3 -25.7 -23.0 -18.2 11.7 -14.0 0.0 0.0 4.5 -14.0 0.0 -4.4 12.5 -7.4 11.7 -14.0 0.0 12.2 17.6 -14.0 6.4 -8.1 -0.9 -15.6 -11.2 -18.9 -18.9 -20.2 -20.2