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Turkey: Bank Loans Tendency Survey - 4Q 2017

IM Research
By IM Research
7 years ago
Turkey: Bank Loans Tendency Survey - 4Q 2017

Ard, Mal

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  1. BANK LOANS TENDENCY SURVEY th 4 QUARTER OF 2017 Statistics Department Real Sector Data Division CONTENTS 1 TABLES Table 1 Loans to Enterprises - Credit Standards Table 2 Loans to Enterpries - The Factors Affecting Credit Standards Table 3 Loans to Enterprises - Conditions and Terms for Loans and Credit Lines Table 4 Loans to Enterprises - Demand for Loans and Credit Lines Table 5 Loans to Enterprises - Factors Affecting Demand for Loans and Credit Lines Table 6 Consumer Loans - Housing Loans - Credit Standards Table 7 Consumer Loans - Housing Loans - The Factors Affecting Credit Standards Table 8 Consumer Loans - Housing Loans - Conditions And Terms for Credit Lines Table 9 Consumer Loans - Housing Loans - Demand for Loans and Credit Lines Table 10 Consumer Loans - Housing Loans - Factors Affecting Demand For Loans Table 11 Consumer Loans - Vehicle Loans - Credit Standards Table 12 Consumer Loans - Vehicle Loans - The Factors Affecting Credit Standards Table 13 Consumer Loans - Vehicle Loans - Conditions And Terms for Credit Lines Table 14 Consumer Loans - Vehicle Loans - Demand for Loans and Credit Lines Table 15 Consumer Loans - Vehicle Loans - Factors Affecting Demand For Loans Table 16 Consumer Loans - Other Consumer Loans - Credit Standards Table 17 Consumer Loans - Other Consumer Loans - The Factors Affecting Credit Standards Table 18 Consumer Loans - Other Consumer Loans - Conditions And Terms for Credit Lines Table 19 Consumer Loans - Other Consumer Loans - Demand for Loans and Credit Lines Table 20 Consumer Loans - Other Consumer Loans - Factors Affecting Demand For Loans Table 21 Funding Conditions Table 22 Funding Conditions -The Factors Affecting Funding Conditions in International Markets www .tcmb.gov.tr
  2. Contents Table 1- LOANS TO ENTERPRISES - CREDIT STANDARDS QUARTERLY PERCENTAGE DISTRIBUTIONS - March 2017 - December 2017 Loans to Small and Medium-Sized Enterprises OVERALL Loans to Large Enterprises Short-Term Loans Long-Term Loans Turkish Lira Loans Foreign Currency Loans Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec OVER THE PAST THREE MONTHS Tightened considerably Tightened somewhat Remained basically unchanged Eased somewhat Eased considerably Realized Net Change % (*) Number of Banks Responding OVER THE NEXT THREE MONTHS Tighten considerably Tighten somewhat Remain basically unchanged Ease somewhat Ease considerably Expected Net Change % (*) Number of Banks Responding 0 0 100 0 0 0 0 0 0 0 0 75 100 100 25 0 0 0 0 0 0 0 78 22 0 0 0 61 39 0 0 0 95 5 0 0 0 0 0 81 100 19 0 0 0 0 0 80 20 0 0 0 0 0 95 100 5 0 0 0 0 0 81 19 0 0 0 0 0 79 100 21 0 0 0 0 0 95 5 0 0 0 81 19 0 0 0 0 0 0 0 94 100 100 6 0 0 0 0 0 0 0 81 19 0 0 0 0 0 0 0 79 100 100 21 0 0 0 0 0 0 15 25 15 0 15 0 15 22 15 39 15 5 15 19 15 0 15 20 15 5 15 19 15 21 15 0 15 5 15 19 15 6 15 19 15 21 15 0 15 0 0 100 0 0 0 0 1 99 0 0 -1 0 0 0 0 85 100 15 0 0 0 15 0 0 0 97 3 0 3 0 1 99 0 0 -1 0 0 85 15 0 15 0 0 0 0 89 100 11 0 0 0 11 0 0 1 99 0 0 -1 0 0 0 0 0 0 85 100 100 15 0 0 0 0 0 15 0 0 0 1 99 0 0 -1 0 0 0 0 0 0 14 15 85 100 86 85 15 0 0 0 0 0 0 0 15 0 -14 -15 0 0 0 0 0 0 85 100 100 15 0 0 0 0 0 15 0 0 0 1 99 0 0 -1 0 0 0 0 0 0 0 0 42 15 29 49 85 100 58 85 57 51 15 0 0 0 15 0 0 0 0 0 0 0 15 0 -42 -15 -14 -49 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 0 15 15 15 15 15 15 0 15 0 15 15 15 0 15 15 0 28 53 19 0 0 18 62 20 0 0 29 71 0 0 0 22 78 0 0 -10 15 2 15 -29 15 -22 15 15 15 15 15 (*) Net Percentage Change : (Eased Somewhat+Eased Considerably)-(Tightened Somewhat+Tightened Considerably) Note: Since rounded numbers are used, sum of the ratios may not add up to 100 percent. 2
  3. Contents Table 2 - LOANS TO ENTERPRISES - THE FACTORS AFFECTING CREDIT STANDARDS QUARTERLY PERCENTAGE DISTRIBUTIONS - March 2017 - December 2017 Contributed Contributed to Contributed Somewhat to Basically Unchanged Somewhat to Easing Tightening of Credit of Credit Standarts Credit Standards Standarts Contributed Considerably to Tightening of Credit Standarts FACTORS A-COST OF FUNDS AND BALANCE SHEET CONSTRAINTS Costs Related to Your Bank 's Capital Position Your Bank's Ability to Access Money or Bond Market Financing Your Bank's Liquidity Position B- PRESSURE FROM COMPETITION Competition From Other Banks Competition From Non-Banks Competition From Market Financing C- PERCEPTION OF RISK Expectations Regarding General Economic Activity Industry or Firm-Specific Outlook Risk on the Collateral Demanded Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Contributed Considerably to Easing of Credit Standarts Jun Sep Dec Mar Not Applicable Jun Sep Dec Mar Net Change % Jun Sep Dec Mar Jun Sep Dec 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 6 0 0 99 86 86 79 100 66 87 51 72 74 67 67 0 0 0 15 0 0 0 0 15 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 14 14 6 34 49 0 13 13 19 33 33 0 0 0 15 0 0 0 0 15 -6 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 84 84 71 78 79 60 95 95 81 0 0 0 21 0 6 15 15 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 16 16 29 1 21 34 0 0 13 5 5 19 0 0 0 21 0 6 15 15 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 27 14 0 0 0 0 13 0 0 80 87 100 80 100 100 80 100 100 0 0 0 20 20 15 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 5 0 0 0 0 0 0 -27 -14 0 20 20 15 -13 0 0 0 0 0 0 73 0 86 0 100 85 85 87 Net Percentage Change : (Eased Somewhat+Eased Considerably)-(Tightened Somewhat+Tightened Considerably) Note: Since rounded numbers are used, sum of the ratios may not add up to 100 percent. 3
  4. Contents Table 3 - LOANS TO ENTERPRISES - CONDITIONS AND TERMS FOR LOANS AND CREDIT LINES QUARTERLY PERCENTAGE DISTRIBUTIONS - March 2017 - December 2017 Tightened Considerably /Increased FACTORS A- PRICE Margin on Average Loans* Margin on Riskier Loans* B- OTHER CONDITIONS AND TERMS Non-Interest Rate Charges Collateral Requirements Special Conditions of Loan Covenants Maturity Size of the Loan or Credit Line Mar Jun Sep Dec Tightened Somewhat/Increased Mar Jun Sep Dec Remained Basically Unchanged Mar Jun Sep Eased Somewhat/Decreased Dec Mar Jun Sep Eased Considerably/Decreased Dec Mar Jun Sep Dec Not Applicable Mar Jun Sep Net Change % Dec Mar Jun Sep Dec 0 0 0 0 0 0 0 0 0 17 0 18 0 5 0 15 82 70 70 69 70 82 86 71 5 0 17 0 17 0 0 0 0 0 0 0 0 0 0 0 13 13 13 13 13 13 14 5 14 -17 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 43 15 28 14 0 0 0 0 0 2 13 0 13 0 15 15 0 2 15 87 57 85 72 86 85 85 100 98 90 85 87 100 85 100 67 85 100 98 81 0 0 0 0 0 2 15 0 2 10 0 0 0 2 0 0 0 0 0 5 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 13 0 0 0 0 13 0 0 0 0 13 0 0 0 0 18 0 0 0 0 0 -43 -15 -28 -14 17 -18 17 -5 0 -15 2 15 0 2 10 -2 -13 0 -12 0 -15 -15 0 -2 -10 Net Percentage Change : (Eased Somewhat+Eased Considerably)-(Tightened Somewhat+Tightened Considerably) Note: Since rounded numbers are used, sum of the ratios may not add up to 100 percent. * (wider margin=tightened, narrower margin=eased) 4
  5. Contents Table 4 -LOANS TO ENTERPRISES - DEMAND FOR LOANS AND CREDIT LINES QUARTERLY PERCENTAGE DISTRIBUTIONS - March 2017 - December 2017 Loans to Small and MediumLoans to Large Enterprises Sized Enterprises OVERALL Mar OVER THE PAST THREE MONTHS Decreased Considerably Decreased Somewhat Remained Basically Unchanged Increased Somewhat Increased Considerably Realized Net Change % (*) Number of Banks Responding OVER THE NEXT THREE MONTHS Decrease Considerably Decrease Somewhat Remain Basically Unchanged Increase Somewhat Increase Considerably Expected Net Change % (*) Number of Banks Responding Jun Sep Dec Mar Jun 0 17 83 0 0 0 0 56 44 0 0 15 85 0 0 0 0 80 20 0 0 0 85 15 0 0 0 40 60 0 -17 44 -15 20 15 15 15 15 15 15 0 0 62 38 0 38 15 0 3 72 25 0 22 15 0 0 53 47 0 47 15 0 0 62 38 0 38 15 0 0 50 37 13 50 15 Sep Dec Mar Jun 0 15 72 14 0 0 0 48 52 0 0 17 83 0 0 0 14 39 47 0 60 -1 52 -17 15 15 15 15 0 0 62 38 0 38 15 0 0 53 47 0 47 15 0 0 57 43 0 43 15 0 14 48 38 0 24 15 Sep Dec 0 15 72 14 0 0 15 59 26 0 33 -1 15 15 0 3 72 25 0 22 15 0 0 53 47 0 47 15 Short-Term Loans Mar Jun 0 0 100 0 0 0 0 49 51 0 12 0 15 15 0 0 81 19 0 19 15 0 0 52 48 0 48 15 Sep Long-Term Loans Dec Mar Jun Sep Turkish Lira Loans Dec 0 15 72 14 0 0 0 56 44 0 0 22 78 0 0 0 14 28 58 0 0 18 82 0 0 0 15 66 19 0 51 -1 44 -22 44 -18 15 15 15 15 15 15 0 3 72 25 0 22 15 0 0 63 37 0 37 15 0 0 49 51 0 51 15 0 14 62 24 0 10 15 0 3 78 19 0 16 15 0 0 53 47 0 47 15 0 15 64 22 0 7 15 Mar Jun 0 0 97 3 0 0 0 42 58 0 4 3 15 15 0 0 67 33 0 33 15 Sep Foreign Currency Loans Dec Mar Jun Sep Dec 0 15 69 16 0 0 0 50 50 0 0 30 70 0 0 0 29 52 19 0 0 28 72 0 0 0 28 66 5 0 58 2 50 -30 -10 -28 -23 15 15 15 15 15 15 15 0 3 73 24 0 21 15 0 0 66 34 0 34 15 0 0 49 51 0 51 15 0 42 39 19 0 -23 15 0 32 31 37 0 5 15 0 15 35 50 0 35 15 0 57 21 22 0 -35 15 (*) Net Percentage Change : (Increase Somewhat+Increase Considerably)-(Decrease Somewhat+Decrease Considerably) Note: Since rounded numbers are used, sum of the ratios may not add up to 100 percent. 5
  6. Contents Table 5 - LOANS TO ENTERPRISES - FACTORS AFFECTING DEMAND FOR LOANS AND CREDIT LINES QUARTERLY PERCENTAGE DISTRIBUTIONS - March 2017 - December 2017 Contributed Contributed Contributed to Somewhat to Higher Somewhat to Lower Basically Demand Demand Unchanged Demand Contributed Considerably to Lower Demand FACTORS A- FINANCING NEEDS Fixed Investment Inventories and Working Capital Mergers /Acquisitions and Corporate Restructuring Debt Restructuring B- USE OF ALTERNATIVE FINANCE Internal Financing Loans From Other Banks Loans From Non-Banks Issuance of Debt Securities Issuance of Equity C-TAX AND SIMILAR BURDENS ON LOANS D- OTHER FACTORS Discounts and Facilities for Cash Payments Contributed Considerably to Higher Demand Not Applicable Net Change % Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 37 14 8 0 30 0 14 0 33 0 15 0 33 0 15 0 63 53 72 51 55 50 45 37 67 53 85 53 67 94 66 51 0 34 19 49 15 50 2 44 0 47 0 47 0 6 19 49 0 0 0 0 0 0 19 19 0 0 0 0 0 0 0 0 0 0 1 0 0 0 21 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 20 20 18 18 0 0 0 0 0 0 0 0 22 0 0 0 0 0 15 0 0 0 0 99 46 46 48 35 55 79 100 70 64 65 86 65 86 52 73 53 73 99 72 72 72 73 73 0 19 19 19 19 19 20 0 5 5 5 0 0 0 0 0 0 0 1 0 15 15 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 15 15 15 28 27 1 30 30 30 43 47 0 14 14 14 27 27 0 14 14 14 27 27 0 0 0 0 0 0 0 0 71 65 81 15 1 15 5 0 0 0 0 14 34 14 14 72 0 -37 0 20 0 11 0 49 -15 50 7 63 -33 47 -15 47 -33 6 4 49 0 -1 -1 1 1 19 20 0 5 5 5 0 0 -22 0 0 0 0 1 -15 15 15 0 0 15 1 15 5 Net Percentage Change : (Higher Somewhat+Higher Considerably)-(Lower Somewhat+Lower Considerably) Note: Since rounded numbers are used, sum of the ratios may not add up to 100 percent. 6
  7. Contents Table 6 - CONSUMER LOANS - HOUSING LOANS - CREDIT STANDARDS QUARTERLY PERCENTAGE DISTRIBUTIONS - March 2017 - December 2017 Mar OVER THE PAST THREE MONTHS Tightened considerably Tightened somewhat Remained basically unchanged Eased somewhat Eased considerably Realized Net Change % (*) Number of Banks Responding OVER THE NEXT THREE MONTHS Tighten considerably Tighten somewhat Remain basically unchanged Ease somewhat Ease considerably Expected Net Change % (*) Number of Banks Responding Jun Sep Dec 0 20 80 0 0 -20 0 0 100 0 0 0 0 0 100 0 0 0 0 0 100 0 0 0 14 14 14 14 0 0 100 0 0 0 0 0 100 0 0 0 0 0 100 0 0 0 0 0 100 0 0 0 14 14 14 14 (*) Net Percentage Change : (Eased Somewhat+Eased Considerably)-(Tightened Somewhat+Tightened Considerably) Note: Since rounded numbers are used, sum of the ratios may not add up to 100 percent. 7
  8. Contents Table 7- CONSUMER LOANS-HOUSING LOANS - THE FACTORS AFFECTING CREDIT STANDARDS QUARTERLY PERCENTAGE DISTRIBUTIONS - March 2017 - December 2017 Contributed Considerably to Tightening of Credit Standards FACTORS A- COST OF FUNDS AND BALANCE SHEET CONSTRAINTS B- PRESSURE FROM COMPETITION Competition From Other Banks Competition From Non-Banks C- PERCEPTION OF RISK Expectations Regarding General Economic Activity Housing Market Prospects Mar Jun Contributed Somewhat to Tightening of Credit Standards Contributed to Basically Unchanged Credit Standards Contributed Somewhat to Easing of Credit Standards Contributed Considerably to Easing of Credit Standards Not Applicable Net Change % Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec 0 0 0 0 5 0 0 0 78 83 100 100 0 0 0 0 0 0 0 0 17 17 0 0 -5 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 80 80 80 100 80 100 80 80 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 20 20 20 20 0 0 20 20 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 20 0 20 0 0 0 0 80 80 100 100 0 100 100 100 100 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 -20 -20 0 0 0 0 0 0 0 Net Percentage Change : (Eased Somewhat+Eased Considerably)-(Tightened Somewhat+Tightened Considerably) Note: Since rounded numbers are used, sum of the ratios may not add up to 100 percent. 8
  9. Contents Table 8 - CONSUMER LOANS - HOUSING LOANS- CONDITIONS AND TERMS FOR CREDIT LINES QUARTERLY PERCENTAGE DISTRIBUTIONS - March 2017 - December 2017 Tightened Considerably /Increased FACTORS A- PRICE Margin on Average Loans* Margin on Riskier Loans* B- OTHER CONDITIONS AND TERMS Collateral Requirements Loan-to-Value Ratio Maturity Non-Interest Rate Charges Mar Jun Sep Dec Tightened Somewhat/Increased Mar Jun Sep 0 0 0 0 0 0 0 0 20 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 16 0 0 0 0 0 0 0 0 0 0 Remained Basically Unchanged Eased Somewhat/Decreased Dec Mar Jun Sep Dec Mar 23 64 8 100 65 80 80 80 Jun Sep Dec Eased Considerably/Decreased Mar Jun Sep Not Applicable Dec Net Change % Mar Jun Sep Dec Mar Jun Sep Dec 57 72 16 0 16 20 20 20 20 20 0 0 20 0 0 0 0 0 0 0 0 0 0 0 0 0 -4 0 35 20 20 20 -3 12 0 100 100 100 100 0 84 100 100 100 0 100 100 100 100 0 100 100 100 100 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 -16 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Net Percentage Change : (Eased Somewhat+Eased Considerably)-(Tightened Somewhat+Tightened Considerably) Note: Since rounded numbers are used, sum of the ratios may not add up to 100 percent. * (wider margin=tightened, narrower margin=eased) 9
  10. Table 9 - CONSUMER LOANS - HOUSING LOANS-DEMAND FOR LOANS AND CREDIT LINES Contents QUARTERLY PERCENTAGE DISTRIBUTIONS - March 2017 - December 2017 Mar OVER THE PAST THREE MONTHS Decreased Considerably Decreased Somewhat Remained Basically Unchanged Increased Somewhat Increased Considerably Realized Net Change % (*) Number of Banks Responding OVER THE NEXT THREE MONTHS Decrease Considerably Decrease Somewhat Remain Basically Unchanged Increase Somewhat Increase Considerably Expected Net Change % (*) Number of Banks Responding Jun Sep Dec 0 24 36 40 0 16 14 0 21 43 36 0 15 14 0 8 68 25 0 17 14 0 42 54 5 0 -37 14 0 0 84 16 0 16 14 0 8 76 16 0 8 14 0 8 59 33 0 25 14 0 34 66 0 0 -34 14 (*) Net Percentage Change : (Increase Somewhat+Increase Considerably)-(Decrease Somewhat+Decrease Considerably) Note: Since rounded numbers are used, sum of the ratios may not add up to 100 percent. 10
  11. Contents Table 10 - CONSUMER LOANS - HOUSING LOANS - FACTORS AFFECTING DEMAND FOR LOANS QUARTERLY PERCENTAGE DISTRIBUTIONS - March 2017 - December 2017 Contributed Contributed Contributed to Somewhat to Lower Basically Somewhat to Higher Demand Unchanged Demand Demand Contributed Considerably to Lower Demand Contributed Considerably to Higher Demand Not Applicable Net Change % Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec A- FINANCING NEEDS Housing Market Prospects Consumer Confidence Non-Housing Related Consumption Expenditure Taxes and Funds B- USE OF ALTERNATIVE FINANCE Household Savings Loans From Other Banks Other Sources of Finance C-TAX AND SIMILAR BURDENS ON LOANS 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 16 16 0 0 8 8 8 8 8 12 5 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 8 21 8 0 0 8 8 0 29 25 12 0 39 79 95 95 36 68 92 68 63 63 95 75 66 70 88 95 25 0 5 0 56 20 0 20 29 20 0 20 5 0 0 0 20 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 5 0 5 0 5 0 5 0 5 0 5 12 100 24 100 12 100 0 95 92 79 72 83 88 80 80 84 76 64 76 83 0 0 0 0 0 0 20 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 5 0 0 0 17 12 12 12 16 0 29 5 -16 0 5 5 0 12 12 12 17 0 0 0 0 48 12 -8 12 21 8 -5 20 -25 -25 -12 0 -8 -21 12 0 0 -8 -8 0 -12 -24 -12 0 Net Percentage Change : (Higher Somewhat+Higher Considerably)-(Lower Somewhat+Lower Considerably) Note: Since rounded numbers are used, sum of the ratios may not add up to 100 percent. 11
  12. Contents Table 11 - CONSUMER LOANS - VEHICLE LOANS - CREDIT STANDARDS QUARTERLY PERCENTAGE DISTRIBUTIONS - March 2017 - December 2017 Mar OVER THE PAST THREE MONTHS Tightened considerably Tightened somewhat Remained basically unchanged Eased somewhat Eased considerably Realized Net Change % (*) Number of Banks Responding OVER THE NEXT THREE MONTHS Tighten considerably Tighten somewhat Remain basically unchanged Ease somewhat Ease considerably Expected Net Change % (*) Number of Banks Responding Jun 0 Sep 0 Dec 0 0 0 0 0 0 100 100 100 100 0 0 0 0 0 0 0 0 0 0 0 0 14 14 14 14 0 0 0 0 0 0 0 0 100 100 100 87 0 0 0 13 0 0 0 0 0 0 0 13 14 14 14 14 (*) Net Percentage Change : (Eased Somewhat+Eased Considerably)-(Tightened Somewhat+Tightened Considerably) Note: Since rounded numbers are used, sum of the ratios may not add up to 100 percent. 12
  13. Contents Table 12 - CONSUMER LOANS - VEHICLE LOANS - THE FACTORS AFFECTING CREDIT STANDARDS QUARTERLY PERCENTAGE DISTRIBUTIONS - March 2017 - December 2017 Contributed Contributed Somewhat to Considerably to Tightening of Credit Tightening of Credit Standards Standards FACTORS A- COST OF FUNDS AND BALANCE SHEET CONSTRAINTS B- PRESSURE FROM COMPETITION Competition From Other Banks Competition From Non-Banks C- PERCEPTION OF RISK Expectations Regarding General Economic Activity Creditworthiness of Consumers Risk on the Collateral Demanded Contributed to Basically Unchanged Credit Standards Contributed Somewhat to Easing of Credit Standards Contributed Considerably to Easing of Credit Standards Not Applicable Net Change % Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec 0 0 0 0 0 0 0 0 99 100 100 100 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 64 63 100 99 100 100 54 54 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 36 1 37 0 0 0 46 46 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 35 0 0 37 0 0 0 0 0 0 0 0 64 63 100 100 99 100 100 61 99 100 100 61 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1 1 0 0 0 0 0 0 0 -35 39 0 39 0 -37 0 0 0 0 0 0 0 0 Net Percentage Change : (Eased Somewhat+Eased Considerably)-(Tightened Somewhat+Tightened Considerably) Note: Since rounded numbers are used, sum of the ratios may not add up to 100 percent. 13
  14. Contents Table 13 - CONSUMER LOANS - VEHICLE LOANS -CONDITIONS AND TERMS FOR CREDIT LINES QUARTERLY PERCENTAGE DISTRIBUTIONS - March 2017 - December 2017 Tightened Considerably /Increased FACTORS A- PRICE Margin on Average Loans* Margin on Riskier Loans* B- OTHER CONDITIONS AND TERMS Collateral Requirements Maturity Non-Interest Rate Charges Mar Jun Sep Dec Tightened Somewhat/Increased Mar Jun Sep Remained Basically Unchanged Dec Mar Jun Sep Dec Eased Somewhat/Decreased Mar Jun Sep Eased Considerably/Decreased Dec Mar Jun Sep Not Applicable Net Change % Dec Mar Jun Sep Dec Mar Jun Sep Dec 0 0 0 0 0 0 0 0 0 0 8 8 0 0 0 0 64 64 55 92 62 100 61 100 0 0 37 0 38 0 39 0 35 35 0 0 0 0 0 0 1 1 0 0 0 0 0 0 35 35 29 -8 38 0 39 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 99 99 99 100 100 100 100 100 100 100 100 100 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Net Percentage Change : (Eased Somewhat+Eased Considerably)-(Tightened Somewhat+Tightened Considerably) Note: Since rounded numbers are used, sum of the ratios may not add up to 100 percent. * (wider margin=tightened, narrower margin=eased) 14
  15. Table 14 - CONSUMER LOANS - VEHICLE LOANS- DEMAND FOR LOANS AND CREDIT LINES Contents QUARTERLY PERCENTAGE DISTRIBUTIONS - March 2017 - December 2017 Mar Jun Sep Dec OVER THE PAST THREE MONTHS Decreased Considerably 0 0 0 0 Decreased Somewhat 44 65 51 21 Remained Basically Unchanged 48 35 49 79 8 0 0 0 Increased Somewhat Increased Considerably 0 0 0 0 -36 -65 -51 -21 14 14 14 14 0 0 0 0 Decrease Somewhat 13 21 0 6 Remain Basically Unchanged 87 71 92 81 0 8 8 13 Realized Net Change % (*) Number of Banks Responding OVER THE NEXT THREE MONTHS Decrease Considerably Increase Somewhat Increase Considerably Expected Net Change % (*) Number of Banks Responding 0 0 0 0 -13 -13 8 6 14 14 14 14 (*) Net Percentage Change : (Increase Somewhat+Increase Considerably)-(Decrease Somewhat+Decrease Considerably) Note: Since rounded numbers are used, sum of the ratios may not add up to 100 percent. 15
  16. Contents Table 15 - CONSUMER LOANS - VEHICLE LOANS - FACTORS AFFECTING DEMAND FOR LOANS QUARTERLY PERCENTAGE DISTRIBUTIONS - March 2017 - December 2017 Contributed Considerably to Lower Demand Contributed Contributed to Contributed Somewhat to Lower Basically Somewhat to Higher Demand Unchanged Demand Demand Contributed Considerably to Higher Demand Not Applicable Net Change % Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec A- FINANCING NEEDS Vehicle Market Prospects Consumer Confidence Non-Vehicle Related Consumption Expenditure B- USE OF ALTERNATIVE FINANCE Household Savings Loans From Other Banks Other Sources of Finance C-TAX AND SIMILAR BURDENS ON LOANS 0 0 0 0 0 0 0 0 0 0 0 0 35 35 35 58 45 9 38 38 51 8 8 8 56 65 65 42 55 91 62 62 49 84 92 92 8 0 0 0 0 0 0 0 0 8 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 -27 0 -35 0 -35 -58 -45 -9 -38 -38 -51 -1 -8 -8 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 35 35 35 0 45 16 45 9 0 46 38 0 8 14 8 6 65 65 65 91 55 84 55 84 62 54 62 55 92 86 92 79 0 0 0 8 0 0 0 0 0 0 0 0 0 0 0 8 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 7 38 0 0 45 0 -35 0 -35 0 -35 7 8 -45 -16 -45 -9 0 -46 -38 0 -8 -14 -8 1 Net Percentage Change : (Higher Somewhat+Higher Considerably)-(Lower Somewhat+Lower Considerably) Note: Since rounded numbers are used, sum of the ratios may not add up to 100 percent. 16
  17. Table 16 - CONSUMER LOANS - OTHER CONSUMER LOANS - CREDIT STANDARDS Contents QUARTERLY PERCENTAGE DISTRIBUTIONS - March 2017 - December 2017 Mar Jun Sep Dec OVER THE PAST THREE MONTHS Tightened considerably 0 0 0 Tightened somewhat 0 0 0 0 100 100 87 100 Eased somewhat 0 0 13 0 Eased considerably 0 0 0 0 Remained basically unchanged Realized Net Change % (*) 0 0 0 13 0 14 14 14 14 OVER THE NEXT THREE MONTHS Tighten considerably 0 0 0 0 Tighten somewhat 0 0 0 0 100 100 87 100 0 0 13 0 Number of Banks Responding Remain basically unchanged Ease somewhat Ease considerably 0 0 0 0 Expected Net Change % (*) 0 0 13 0 14 14 14 14 Number of Banks Responding (*) Net Percentage Change : (Eased Somewhat+Eased Considerably)-(Tightened Somewhat+Tightened Considerably) Note: Since rounded numbers are used, sum of the ratios may not add up to 100 percent. 17
  18. Contents Table 17 - CONSUMER LOANS - OTHER CONSUMER LOANS- THE FACTORS AFFECTING CREDIT STANDARDS QUARTERLY PERCENTAGE DISTRIBUTIONS - March 2017 - December 2017 Contributed Considerably to Tightening of Credit Standards FACTORS A- COST OF FUNDS AND BALANCE SHEET CONSTRAINTS B- PRESSURE FROM COMPETITION Competition From Other Banks Competition From Non-Banks C- PERCEPTION OF RISK Expectations Regarding General Economic Activity Creditworthiness of Consumers Risk on the Collateral Demanded Contributed Somewhat to Tightening of Credit Standards Contributed to Basically Unchanged Credit Standards Contributed Somewhat to Easing of Credit Standards Contributed Considerably to Easing of Credit Standards Not Applicable Net Change % Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec 0 0 0 0 6 0 0 0 55 77 80 92 0 0 13 0 0 0 0 0 39 23 7 8 -6 0 13 0 0 0 0 0 0 0 0 0 0 0 0 0 16 0 0 0 84 100 69 85 56 87 77 93 0 0 0 0 28 13 15 0 0 0 0 0 0 0 0 0 16 31 0 15 0 0 7 7 0 0 0 0 12 13 15 0 0 0 0 0 0 0 0 0 0 0 0 0 15 16 0 15 16 0 0 0 0 0 0 0 84 84 84 87 100 87 100 87 100 0 0 0 0 0 0 13 13 13 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1 16 0 0 15 0 0 0 0 -15 0 -16 0 0 -15 -16 0 13 13 13 0 0 0 85 84 85 Net Percentage Change : (Eased Somewhat+Eased Considerably)-(Tightened Somewhat+Tightened Considerably) Note: Since rounded numbers are used, sum of the ratios may not add up to 100 percent. 18
  19. Contents Table 18 - CONSUMER LOANS- OTHER CONSUMER LOANS -CONDITIONS AND TERMS FOR CREDIT LINES QUARTERLY PERCENTAGE DISTRIBUTIONS - March 2017 - December 2017 Tightened Considerably /Increased FACTORS A- PRICE Margin on Average Loans* Margin on Riskier Loans* B- OTHER CONDITIONS AND TERMS Collateral Requirements Maturity Non-Interest Rate Charges Mar Jun Sep Tightened Somewhat/Increased Dec Mar Jun Sep Remained Basically Unchanged Dec Mar Jun Sep Dec Eased Somewhat/Decreased Mar Jun Sep Eased Considerably/Decreased Dec Mar Jun Sep Not Applicable Dec Net Change % Mar Jun Sep Dec Mar Jun Sep Dec 0 0 0 0 0 0 0 0 15 0 0 0 15 0 19 4 84 99 100 100 85 100 81 96 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1 0 0 0 0 0 -15 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 17 0 0 0 0 0 0 0 4 0 0 99 59 99 100 77 100 100 100 100 96 100 100 0 23 0 0 23 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 6 0 0 0 -15 0 -19 -4 0 23 0 0 0 0 -4 0 0 Net Percentage Change : (Eased Somewhat+Eased Considerably)-(Tightened Somewhat+Tightened Considerably) Note: Since rounded numbers are used, sum of the ratios may not add up to 100 percent. * (wider margin=tightened, narrower margin=eased) 19
  20. Table 19 - CONSUMER LOANS - OTHER CONSUMER LOANSDEMAND FOR LOANS AND CREDIT LINES Contents QUARTERLY PERCENTAGE DISTRIBUTIONS - March 2017 - December 2017 Mar OVER THE PAST THREE MONTHS Decreased Considerably Decreased Somewhat Remained Basically Unchanged Increased Somewhat Increased Considerably Realized Net Change % (*) Number of Banks Responding OVER THE NEXT THREE MONTHS Decrease Considerably Decrease Somewhat Remain Basically Unchanged Increase Somewhat Increase Considerably Expected Net Change % (*) Number of Banks Responding Jun Sep Dec 0 0 94 6 0 6 0 4 79 17 0 13 0 0 56 44 0 44 0 0 73 27 0 27 14 14 14 14 0 0 77 23 0 23 0 4 73 23 0 19 0 0 40 60 0 60 0 7 93 0 0 -7 14 14 14 14 (*) Net Percentage Change : (Increase Somewhat+Increase Considerably)-(Decrease Somewhat+Decrease Considerably) Note: Since rounded numbers are used, sum of the ratios may not add up to 100 percent. 20