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Turkey: Bank Loans Tendency Survey, January - March 2017

IM Research
By IM Research
9 years ago
Turkey: Bank Loans Tendency Survey, January - March 2017

Ard, Mal

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  1. BANK LOANS TENDENCY SURVEY JANUARY - MARCH 2017 07 April 2017 Department of Statistics Real Sector Data Division
  2. CONTENTS TABLES Table 1 Pages Loans to Enterprises - Credit Standards 1 Quarterly Percentage Distributions - June 2016 - March 2017 Table 2 Loans to Enterpries - The Factors Affecting Credit Standards 2 Quarterly Percentage Distributions - June 2016 - March 2017 Table 3 Loans to Enterprises - Conditions and Terms for Loans and Credit Lines 3 Quarterly Percentage Distributions - June 2016 - March 2017 Table 4 Loans to Enterprises - Demand for Loans and Credit Lines 4 Quarterly Percentage Distributions - June 2016 - March 2017 Table 5 Loans to Enterprises - Factors Affecting Demand for Loans and Credit Lines 5 Quarterly Percentage Distributions - June 2016 - March 2017 Table 6 Consumer Loans - Housing Loans - Credit Standards 6 Quarterly Percentage Distributions - June 2016 - March 2017 Table 7 Consumer Loans - Housing Loans - The Factors Affecting Credit Standards 7 Quarterly Percentage Distributions - June 2016 - March 2017 Table 8 Consumer Loans - Housing Loans - Conditions And Terms for Credit Lines 8 Quarterly Percentage Distributions - June 2016 - March 2017 Table 9 Consumer Loans - Housing Loans - Demand for Loans and Credit Lines 9 Quarterly Percentage Distributions - June 2016 - March 2017 Table 10 Consumer Loans - Housing Loans - Factors Affecting Demand For Loans 10 Quarterly Percentage Distributions - June 2016 - March 2017 Table 11 Consumer Loans - Vehicle Loans - Credit Standards 11 Quarterly Percentage Distributions - June 2016 - March 2017 Table 12 Consumer Loans - Vehicle Loans - The Factors Affecting Credit Standards 12 Quarterly Percentage Distributions - June 2016 - March 2017 Table 13 Consumer Loans - Vehicle Loans - Conditions And Terms for Credit Lines 13 Quarterly Percentage Distributions - June 2016 - March 2017 Table 14 Consumer Loans - Vehicle Loans - Demand for Loans and Credit Lines 14 Quarterly Percentage Distributions - June 2016 - March 2017 Table 15 Consumer Loans - Vehicle Loans - Factors Affecting Demand For Loans 15 Quarterly Percentage Distributions - June 2016 - March 2017 Table 16 Consumer Loans - Other Consumer Loans - Credit Standards 16 Quarterly Percentage Distributions - June 2016 - March 2017 Table 17 Consumer Loans - Other Consumer Loans - The Factors Affecting Credit Standards 17 Quarterly Percentage Distributions - June 2016 - March 2017 Table 18 Consumer Loans - Other Consumer Loans - Conditions And Terms for Credit Lines 18 Quarterly Percentage Distributions - June 2016 - March 2017 Table 19 Consumer Loans - Other Consumer Loans - Demand for Loans and Credit Lines 19 Quarterly Percentage Distributions - June 2016 - March 2017 Table 20 Consumer Loans - Other Consumer Loans - Factors Affecting Demand For Loans 20 Quarterly Percentage Distributions - June 2016 - March 2017 Table 21 Funding Conditions 21 Quarterly Percentage Distributions - June 2016 - March 2017 Table 22 Funding Conditions -The Factors Affecting Funding Conditions in International Markets Quarterly Percentage Distributions - June 2016 - March 2017 22
  3. CHARTS Chart 1 Loans to Enterprises Net Percentage Change in the Factors Affecting Credit Standards 2 Chart 2 Loans to Enterprises Net Percentage Change in Terms and Conditions for Loans and Credit Lines 3 Chart 3 Loans to Enterprises - Demand for Loans - Overall 4 Chart 4 Loans to Enterprises - Demand for Loans - Small and Medium Sized Enterprises 4 Chart 5 Loans to Enterprises - Demand for Loans - Large Enterprises 4 Chart 6 Loans to Enterprises - Demand for Loans - Short-Term 4 Chart 7 Loans to Enterprises - Demand for Loans - Long-Term 4 Chart 8 Loans to Enterprises - Demand for Loans - Turkish Lira 4 Chart 9 Loans to Enterprises - Demand for Loans - Foreign Currency 4 Chart 10 Loans to Enterprises Net Percentage Change in the Factors Affecting Demand for Loans 5 Chart 11 Consumer Loans - Housing Loans Net Percentage Change in the Factors Affecting Credit Standards 7 Chart 12 Consumer Loans - Housing Loans Net Percentage Change in Terms and Conditions for Credit Lines 8 Chart 13 Consumer Loans - Demand for Loans - Housing Loans 9 Chart 14 Consumer Loans - Housing Loans Net Percentage Change in the Factors Affecting Demand for Loans 10 Chart 15 Consumer Loans - Vehicle Loans Net Percentage Change in the Factors Affecting Credit Standards 12 Chart 16 Consumer Loans - Vehicle Loans Net Percentage Change in Terms and Conditions for Credit Lines 13 Chart 17 Consumer Loans - Demand for Loans - Vehicle Loans 14 Chart 18 Consumer Loans - Vehicle Loans Net Percentage Change in the Factors Affecting Demand for Loans 15 Chart 19 Consumer Loans - Other Consumer Loans Net Percentage Change in the Factors Affecting Credit Standards 17 Chart 20 Consumer Loans - Other Consumer Loans Net Percentage Change in Terms and Conditions for Credit Lines 18 Chart 21 Consumer Loans - Demand for Loans - Other Consumer Loans 19 Chart 22 Consumer Loans - Other Consumer Loans Net Percentage Change in the Factors Affecting Demand for Loans 20
  4. Table 1- LOANS TO ENTERPRISES - CREDIT STANDARDS QUARTERLY PERCENTAGE DISTRIBUTIONS - June 2016 - March 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 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 Mar 1 OVER THE PAST THREE MONTHS Tightened considerably Tightened somewhat Remained basically unchanged Eased somewhat Eased considerably 0 6 94 0 0 0 27 73 0 0 Realized Net Change % (*) Number of Banks Responding -6 15 -27 15 -12 15 0 17 83 0 0 -17 15 0 19 81 0 0 -19 15 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 12 0 88 100 0 0 0 0 0 12 70 19 0 0 39 61 0 0 0 6 94 0 0 0 0 78 22 0 0 5 95 0 0 0 19 80 1 0 0 0 6 0 94 100 0 0 0 0 0 5 76 19 0 0 19 81 0 0 0 6 94 0 0 0 0 81 19 0 0 17 64 19 0 0 44 56 0 0 0 34 66 0 0 0 0 81 19 0 0 5 76 19 0 0 19 81 0 0 0 12 88 0 0 0 0 81 19 0 0 34 48 19 0 0 39 61 0 0 0 19 81 0 0 0 28 53 19 0 0 15 7 15 -39 15 -6 15 22 15 -5 15 -17 15 -6 15 14 15 -19 15 -6 15 19 15 1 15 -44 15 -34 15 19 15 14 15 -19 15 -12 15 19 15 -15 15 -39 15 -19 15 -10 15 0 0 12 0 88 100 0 0 0 0 -12 0 15 15 0 14 86 0 0 -14 15 0 23 77 0 0 -23 15 0 1 99 0 0 -1 15 0 0 97 3 0 3 15 0 12 88 0 0 -12 15 0 19 81 0 0 -19 15 0 0 0 6 0 0 94 100 100 0 0 0 0 0 0 -6 0 0 15 15 15 0 19 81 0 0 -19 15 0 0 6 0 94 100 0 0 0 0 -6 0 15 15 0 16 84 0 0 -16 15 0 36 64 0 0 -36 15 0 39 61 0 0 -39 15 0 14 86 0 0 -14 15 0 12 88 0 0 -12 15 0 19 81 0 0 -19 15 0 0 6 0 94 100 0 0 0 0 -6 0 15 15 12 20 68 0 0 -32 15 0 31 69 0 0 -31 15 0 39 61 0 0 -39 15 0 42 58 0 0 -42 15 0 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.
  5. Table 2 - LOANS TO ENTERPRISES - THE FACTORS AFFECTING CREDIT STANDARDS QUARTERLY PERCENTAGE DISTRIBUTIONS - June 2016 - March 2017 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 Contributed Considerably to Tightening of Credit Standarts Contributed Contributed to Contributed Somewhat to Basically Unchanged Somewhat to Easing Tightening of Credit Credit Standards of Credit Standarts Standarts Contributed Considerably to Easing of Credit Standarts 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 Mar Not Applicable Net Change % 0 0 0 0 0 0 0 0 0 0 0 0 5 5 5 0 0 0 1 1 1 0 0 0 93 81 81 93 81 81 97 85 85 99 86 86 0 0 0 5 0 5 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2 14 14 2 19 14 2 14 14 1 14 14 -5 -5 -5 5 0 5 -1 -1 -1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 5 5 5 0 0 0 1 1 1 0 0 0 93 93 81 93 78 66 82 82 70 84 84 71 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2 2 14 7 22 34 16 16 29 16 16 29 -5 -5 -5 0 0 0 -1 -1 -1 0 0 0 1 1 0 0 0 0 5 5 0 0 0 0 31 24 6 54 20 24 74 43 35 27 14 0 68 75 94 46 80 76 21 73 52 86 65 100 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 -32 -25 -6 -54 -20 -24 -79 -48 -35 -27 -14 0 2 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. Chart 1- LOANS TO ENTERPRISES Net Percentage Change in the Factors Affecting Credit Standards (>0; Easing Effect; <0;Tightening Effect) % 2016-II 10 2016-III 2016-IV Costs Related to Your Bank's Capital Position 2017-I Your Bank's Ability to Access Money or Bond Market Financing Your Bank's Liquidity Position 0 -10 -20 Competition From Other Banks Competition From Non-Banks -30 -40 -50 -60 -70 -80 -90 Competition From Market Financing Expectations Regarding General Economic Activity Industry or Firm-Specific Outlook Risk on the Collateral Demanded
  6. Table 3 - LOANS TO ENTERPRISES - CONDITIONS AND TERMS FOR LOANS AND CREDIT LINES QUARTERLY PERCENTAGE DISTRIBUTIONS - June 2016 - March 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 Jun Sep Dec Mar Tightened Somewhat/Increased Jun Sep Dec Mar Remained Basically Unchanged Jun Sep Dec Eased Somewhat/Decreased Mar Jun Sep Dec Eased Considerably/Decreased Mar Jun Sep Dec Mar Not Applicable Jun Sep Dec Net Change % Mar Jun Sep Dec Mar 0 2 0 0 0 0 0 0 2 0 0 15 1 6 0 17 71 86 83 68 68 81 82 70 15 0 0 0 19 0 5 0 0 0 0 0 0 0 0 0 12 12 17 17 13 13 13 13 13 -2 0 -15 17 -6 5 -17 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 7 21 0 18 16 0 68 19 42 20 0 48 0 20 5 0 43 15 28 14 81 61 81 64 66 88 32 81 58 80 87 52 100 65 80 87 57 85 72 86 0 19 19 19 19 0 0 0 0 0 0 0 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 12 0 0 0 0 12 0 0 0 0 13 0 0 0 0 13 0 0 0 0 -7 -2 19 1 3 0 -68 -19 -42 -20 0 -48 0 -5 10 0 -43 -15 -28 -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. * (wider margin=tightened, narrower margin=eased) 3 Y Chart 2- LOANS TO ENTERPRISES Net Percentage Change in Terms and Contions for Loans and Credit Lines (>0; Easing Effect; <0;Tightening Effect) % 2016-II 2016-III 2016-IV Margin on Average Loans 2017-I Margin on Riskier Loans 30 20 Non-Interest Rate Charges 10 0 Collateral Requirements -10 -20 -30 Special Conditions of Loan Covenants -40 -50 Maturity -60 -70 -80 Size of the Loan or Credit Line
  7. Table 4 -LOANS TO ENTERPRISES - DEMAND FOR LOANS AND CREDIT LINES QUARTERLY PERCENTAGE DISTRIBUTIONS - June 2016 - March 2017 Loans to Small and MediumLoans to Large Enterprises Sized Enterprises OVERALL Jun OVER THE PAST THREE MONTHS Decreased Considerably Decreased Somewhat Remained Basically Unchanged Increased Somewhat Increased Considerably Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Short-Term Loans Jun Sep Dec Long-Term Loans Mar Jun Sep Dec Turkish Lira Loans Mar Jun Sep Dec Foreign Currency Loans Mar Jun Sep Dec Mar 4 0 0 100 0 0 0 5 62 33 0 0 35 43 22 0 0 17 83 0 0 0 1 84 15 0 0 5 62 33 0 0 1 80 19 0 0 0 85 15 0 0 0 100 0 0 0 5 62 33 0 0 21 57 22 0 0 17 83 0 0 0 0 100 0 0 0 0 67 33 0 0 20 58 22 0 0 0 100 0 0 0 14 59 27 0 0 24 43 33 0 0 35 46 19 0 0 22 78 0 0 0 0 73 27 0 0 0 67 33 0 0 6 72 22 0 0 0 97 3 0 0 26 74 0 0 0 31 36 33 0 0 51 31 19 0 0 30 70 0 0 Realized Net Change % (*) Number of Banks Responding 0 15 28 15 -13 15 -17 15 13 15 28 15 17 15 15 15 0 15 28 15 1 15 -17 15 0 15 33 15 2 15 0 15 14 15 9 15 -16 15 -22 15 27 15 33 15 15 15 3 15 -26 15 2 15 -32 15 -30 15 OVER THE NEXT THREE MONTHS Decrease Considerably Decrease Somewhat Remain Basically Unchanged Increase Somewhat Increase Considerably 0 0 51 49 0 0 5 47 48 0 0 1 59 40 0 0 0 62 38 0 0 0 51 49 0 0 5 33 62 0 0 1 59 40 0 0 0 50 37 13 0 0 66 34 0 0 5 62 33 0 0 16 51 33 0 0 14 48 38 0 0 0 75 25 0 0 5 59 36 0 0 1 44 54 0 0 0 52 48 0 0 0 48 52 0 0 5 40 54 0 0 30 39 31 0 0 14 62 24 0 0 0 50 50 0 0 0 51 49 0 0 1 51 48 0 0 0 67 33 0 0 27 53 20 0 0 20 56 23 0 0 50 31 19 0 0 42 39 19 0 Expected Net Change % (*) Number of Banks Responding 49 15 43 15 38 15 38 15 49 15 58 15 38 15 50 15 34 15 27 15 17 15 24 15 25 15 31 15 53 15 48 15 52 15 49 15 1 15 10 15 50 15 49 15 47 15 33 15 -8 15 3 15 -31 15 -23 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. Chart 3- Loans to EnterprisesDemand for Loans OVERALL Chart 4-Loans to EnterprisesDemand for Loans SMALL AND MEDIUM-SIZED ENTERPRISES % % Chart 5- Loans to EnterprisesDemand for Loans LARGE ENTERPRISES % Chart 6- Loans to EnterprisesDemand for Loans SHORT-TERM % Chart 7- Loans to EnterprisesDemand for Loans LONG-TERM % % 50 60 40 60 40 50 30 50 40 20 40 Chart 8- Loans to EnterprisesDemand for Loans TURKISH LIRA % 60 60 Chart 9- Loans to EnterprisesDemand for Loans FOREIGN CURRENCY 10 50 50 0 40 30 40 30 20 -10 20 30 10 30 20 0 20 -10 10 -10 10 -20 0 -20 0 30 10 10 -20 20 0 0 -10 Net Change -30 10 -20 Exp Rea Exp Rea Exp Rea 2016-II 2016-III 2017-I 49 28 43 -13 38 -17 Net Change Exp Rea Exp Rea Exp Rea 2016-II 2016-III 2017-I 49 28 58 17 38 15 Net Change Exp Rea Exp Rea Exp Rea 2016-II 2016-III 2017-I 34 28 27 1 17 -17 Net Change 0 -30 Exp Rea Exp Rea Exp Rea 2016-II 2016-III 2017-I 25 33 31 2 53 0 Net Change Exp Rea Exp Rea Exp Rea 2016-II 2016-III 2017-I 52 9 49 -16 1 -22 Net Change -40 Exp Rea Exp Rea Exp Rea 2016-II 2016-III 2017-I 50 33 49 15 47 3 Net Change Exp Rea Exp Rea Exp Rea 2016-II 2016-III 2017-I -8 2 3 -32 -31 -30
  8. Table 5 - LOANS TO ENTERPRISES - FACTORS AFFECTING DEMAND FOR LOANS AND CREDIT LINES QUARTERLY PERCENTAGE DISTRIBUTIONS - June 2016 - March 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 % 5 FACTORS 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 Mar A- FINANCING NEEDS Fixed Investment 0 0 1 0 20 56 76 37 80 44 23 63 0 0 0 0 0 0 0 0 0 0 0 0 -20 -56 -77 -37 Inventories and Working Capital 0 0 0 0 0 0 6 14 58 82 57 53 42 18 37 34 0 0 0 0 0 0 0 0 42 18 30 20 Mergers/Acquisitions and Corporate Restructuring 0 0 0 0 18 8 24 8 80 72 56 72 0 19 19 19 0 0 0 0 2 2 2 1 -18 10 -5 11 Debt Restructuring 0 0 0 0 0 0 0 0 47 43 37 51 53 38 24 49 0 19 39 0 0 0 0 0 53 57 63 49 B- USE OF ALTERNATIVE FINANCE Internal Financing 0 0 0 0 0 5 6 0 98 75 59 99 0 19 19 0 0 0 0 0 2 2 16 1 0 14 12 0 Loans From Other Banks 0 0 0 0 0 5 1 20 48 58 57 46 37 3 8 19 0 19 19 0 16 16 15 15 37 17 25 -1 Loans From Non-Banks 0 0 0 0 0 5 5 20 66 61 56 46 19 0 5 19 0 19 19 0 16 16 15 15 19 14 19 -1 Issuance of Debt Securities 0 0 0 0 3 8 8 18 62 58 58 48 19 0 0 19 0 19 19 0 16 16 15 15 15 10 11 1 Issuance of Equity 0 0 0 0 3 8 8 18 69 45 45 35 0 0 0 19 0 19 19 0 28 28 28 28 -3 10 11 1 C-TAX AND SIMILAR BURDENS ON LOANS 0 0 0 0 0 0 1 0 74 55 49 55 0 19 19 19 0 0 0 0 26 26 31 27 0 19 17 19 D- OTHER FACTORS Discounts and Facilities for Cash Payments 0 0 0 0 0 0 0 0 83 64 54 71 3 22 22 15 0 0 5 0 14 14 19 14 3 22 27 15 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. Yüzde Chart 10- LOANS TO ENTERPRISES Net Percentage Change in The Factors Affecting Demand for Loans and Credit Lines (>0; Increasing Effect; <0;Decreasing Effect) % 2016-II 2016-III 2016-IV 2017-I 70 60 50 40 30 20 10 0 -10 -20 -30 -40 -50 -60 -70 -80 -90 Fixed Investment Debt Restructuring Loans From Non-Banks Tax and Similar Burdens on Loans Inventories and Working Capital Internal Financing Issuance of Debt Securities Discounts and Facilities for Cash Payments Mergers/Acquisitions and Corporate Restructuring Loans From Other Banks Issuance of Equity
  9. Table 6 - CONSUMER LOANS - HOUSING LOANS - CREDIT STANDARDS QUARTERLY PERCENTAGE DISTRIBUTIONS - June 2016 - March 2017 Jun OVER THE PAST THREE MONTHS Tightened considerably Tightened somewhat Remained basically unchanged Eased somewhat Eased considerably Realized Net Change % (*) Number of Banks Responding 6 OVER THE NEXT THREE MONTHS Tighten considerably Tighten somewhat Remain basically unchanged Ease somewhat Ease considerably Expected Net Change % (*) Number of Banks Responding Sep Dec Mar 0 0 100 0 0 0 14 0 6 94 0 0 -6 14 0 17 83 0 0 -17 14 0 18 82 0 0 -18 14 0 0 100 0 0 0 14 0 6 94 0 0 -6 14 0 0 79 21 0 21 14 0 0 84 16 0 16 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.
  10. Table 7- CONSUMER LOANS-HOUSING LOANS - THE FACTORS AFFECTING CREDIT STANDARDS QUARTERLY PERCENTAGE DISTRIBUTIONS - June 2016 - March 2017 Contributed Considerably to Tightening of Credit Standards FACTORS 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 % 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 Mar 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 0 0 0 0 5 0 5 5 77 88 78 78 0 0 0 0 0 0 0 0 18 12 17 17 -5 0 -5 -5 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 64 69 69 53 81 80 80 80 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 36 31 31 47 19 19 20 20 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 8 8 27 0 19 0 20 0 74 73 81 80 74 100 100 100 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 19 19 0 0 0 0 0 0 -8 -27 -8 0 -19 0 -20 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. 7 Chart 11- CONSUMER LOANS - HOUSING LOANS Net Percentage Change in the Factors Affecting Credit Standards (>0; Easing Effect; <0;Tightening Effect) % 2016-II 10 0 2016-III 2016-IV Costs of Funds and Balance Sheet Constraints 2017-I Competition From Other Banks Competition From NonBanks -10 Expectations Regarding General Economic Activity -20 Housing Market Prospects -30
  11. Table 8 - CONSUMER LOANS - HOUSING LOANS- CONDITIONS AND TERMS FOR CREDIT LINES QUARTERLY PERCENTAGE DISTRIBUTIONS - June 2016 - March 2017 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 Tightened Considerably/Increased Tightened Somewhat/Increased Remained Basically Unchanged Eased Somewhat/Decreased Eased Considerably/Decreased Jun Jun Sep Jun Sep Dec Mar Jun Jun Sep Dec Mar Dec Mar Sep Dec Mar Sep Dec Not Applicable Mar Net Change % Jun Sep Dec Mar Jun Sep Dec Mar 0 0 0 0 0 0 0 0 0 0 19 0 19 0 20 0 85 85 53 52 64 84 100 100 15 15 28 15 29 0 16 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 15 15 9 15 9 0 -4 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 16 0 0 100 100 100 100 100 100 100 100 51 84 100 100 100 100 100 100 0 0 0 0 0 0 0 0 0 34 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 18 0 0 0 -16 0 0 8 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) Yüzde Yüzde Chart 12- CONSUMER LOANS- HOUSING LOANS Net Percentage Change in Terms and Conditions for Credit Lines (>0; Easing Effect; <0;Tightening Effect) Margin on Average Loans % 2016-II 20 10 2016-III 2016-IV 2017-I Margin on Riskier Loans Collateral Requirements Loan-to-Value Ratio 0 Maturity -10 Non-Interest Rate Charges -20
  12. Table 9 - CONSUMER LOANS - HOUSING LOANS- DEMAND FOR LOANS AND CREDIT LINES QUARTERLY PERCENTAGE DISTRIBUTIONS - June 2016 - March 2017 Jun OVER THE PAST THREE MONTHS Decreased Considerably Decreased Somewhat Remained Basically Unchanged Increased Somewhat Increased Considerably Realized Net Change % (*) Number of Banks Responding Sep Dec Mar 0 17 83 0 0 0 6 81 13 0 0 22 57 22 0 0 22 39 39 0 -17 14 7 14 0 14 18 14 OVER THE NEXT THREE MONTHS Decrease Considerably Decrease Somewhat Remain Basically Unchanged Increase Somewhat Increase Considerably 9 0 0 0 0 17 12 6 6 77 88 32 72 6 0 62 22 0 0 0 0 Expected Net Change % (*) -11 -12 56 16 Number of Banks Responding 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. Chart 13- Consumer Loans-Demand for Loans- HOUSING LOANS % 60 40 20 0 -20 Net Change Exp Rea 2016-II -11 7 Exp Rea 2016-III -12 0 Exp Rea 2017-I 56 18
  13. Table 10 - CONSUMER LOANS - HOUSING LOANS - FACTORS AFFECTING DEMAND FOR LOANS QUARTERLY PERCENTAGE DISTRIBUTIONS - June 2016 - March 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 % 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 Mar 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 5 5 5 0 23 23 8 0 20 20 0 0 16 16 0 0 95 76 95 82 56 40 72 75 87 100 90 95 39 79 95 95 0 13 0 0 21 0 0 0 21 0 0 0 25 0 5 0 0 0 0 0 0 0 0 0 19 0 0 0 20 0 0 0 0 5 0 18 0 5 5 10 0 5 0 5 0 5 0 5 -5 8 -5 0 -3 -23 -8 0 19 -20 0 0 29 -16 5 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 5 5 5 5 8 8 8 0 5 5 5 0 0 0 0 0 95 95 95 77 92 68 92 95 95 100 90 100 95 100 95 95 0 0 0 0 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 0 0 0 0 0 18 0 24 0 5 0 0 0 5 0 0 0 5 -5 -5 -5 -5 -8 -8 -8 0 -5 0 -5 0 0 0 0 0 10 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. Yüzd Chart 14- Consumer Loans- Housing Loans Net Percentage Change in The Factors Affecting Demand for Loans (>0; Increasing Effect; <0;Decreasing Effect) Housing Market Prospects % Consumer Confidence 2016-II 2016-III 2016-IV 2017-I 40 Non-Housing Related Consumption Expenditure 30 Taxes and Funds 20 Household Savings 10 0 Loans From Other Banks -10 Other Sources of Finance -20 Tax and Similar Burdens On Loans -30
  14. Table 11 - CONSUMER LOANS - VEHICLE LOANS - CREDIT STANDARDS QUARTERLY PERCENTAGE DISTRIBUTIONS - June 2016 - March 2017 Jun 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 11 Tighten somewhat Sep 0 Dec Mar 0 0 0 0 6 17 18 100 94 83 82 0 0 0 0 0 0 0 0 0 -6 -17 -18 14 14 14 14 0 0 0 0 0 6 0 0 100 94 100 100 Ease somewhat Ease considerably 0 0 0 0 0 0 0 0 Expected Net Change % (*) Number of Banks Responding 0 -6 0 0 14 14 14 14 Remain basically unchanged (*) 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.
  15. Table 12 - CONSUMER LOANS - VEHICLE LOANS - THE FACTORS AFFECTING CREDIT STANDARDS QUARTERLY PERCENTAGE DISTRIBUTIONS - June 2016 - March 2017 Contributed Contributed Considerably to Somewhat to Tightening of Credit Tightening of Credit Standards Standards FACTORS Contributed to Basically Unchanged Credit Standards Contributed Somewhat to Easing of Credit Standards Contributed Considerably to Easing of Credit Standards Not Applicable Net Change % 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 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 Sep Dec Mar 0 0 0 0 9 0 0 0 90 91 99 99 0 0 0 0 0 0 0 0 1 9 1 1 -9 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 71 0 100 60 91 58 91 64 99 0 0 0 0 9 0 0 0 0 0 0 0 0 0 0 0 29 0 40 9 33 9 36 1 0 0 0 0 9 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 8 0 0 31 9 0 33 0 0 35 92 69 67 0 100 91 100 0 100 100 100 64 99 99 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 1 1 1 -8 0 0 -31 -9 0 -33 0 0 -35 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. 12 Chart 15- CONSUMER LOANS -VEHICLE LOANS Net Percentage Change in the Factors Affecting Credit Standards (>0; Easing Effect; <0;Tightening Effect) % 2016-II 20 10 2016-III 2016-IV Costs of Funds and Balance Sheet Constraints 2017-I Competition From Other Banks Competition From NonBanks 0 -10 -20 Expectations Regarding General Economic Activity Creditworthiness of Consumers -30 Risk on the Collateral Demanded -40
  16. Table 13 - CONSUMER LOANS - VEHICLE LOANS -CONDITIONS AND TERMS FOR CREDIT LINES QUARTERLY PERCENTAGE DISTRIBUTIONS - June 2016 - March 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 Jun Sep Dec Mar Tightened Somewhat/Increased Jun Sep Dec Remained Basically Unchanged Mar Jun Sep Dec Eased Somewhat/Decreased Mar Jun Sep Dec Eased Considerably/Decreased Mar Jun Sep Dec Mar Not Applicable Net Change % Jun Sep Dec Mar Jun Sep Dec Mar 0 0 0 0 0 0 0 0 0 0 31 0 9 9 0 0 100 100 61 100 83 91 64 64 0 0 9 0 9 0 0 0 0 0 0 0 0 0 35 35 0 0 0 0 0 0 1 1 0 0 -22 0 0 -9 35 35 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 100 100 100 100 100 100 100 67 100 99 99 99 0 0 0 0 0 0 0 33 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 1 1 0 0 0 0 0 0 0 33 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) 13 Chart 16- CONSUMER LOANS - VEHICLE LOANS Net Percentage Change in Terms and Conditions for Credit Lines (>0; Easing Effect; <0;Tightening Effect) % 2016-II 2016-III 2016-IV Margin on Average Loans 2017-I 40 Margin on Riskier Loans 30 20 Collateral Requirements 10 0 Maturity -10 -20 -30 Non-Interest Rate Charges
  17. Table 14 - CONSUMER LOANS - VEHICLE LOANS- DEMAND FOR LOANS AND CREDIT LINES QUARTERLY PERCENTAGE DISTRIBUTIONS - June 2016 - March 2017 Jun Sep Dec Mar OVER THE PAST THREE MONTHS Decreased Considerably 0 0 0 0 Decreased Somewhat 17 6 39 21 Remained Basically Unchanged 83 94 61 61 0 0 0 0 0 0 18 0 -17 -6 -39 -3 14 14 14 14 Increased Somewhat Increased Considerably Realized Net Change % (*) Number of Banks Responding OVER THE NEXT THREE MONTHS Decrease Considerably 0 0 0 0 Decrease Somewhat 0 12 6 24 94 88 61 45 6 0 0 0 33 0 32 0 6 -12 27 8 14 14 14 14 Remain Basically Unchanged Increase Somewhat Increase Considerably Expected Net Change % (*) Number of Banks Responding 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. Chart 17- Consumer Loans-Demand for Loans-VEHICLE LOANS % 40 20 0 -20 -40 Net Change Exp Rea 2016-II 6 -6 Exp Rea 2016-III -12 -39 Exp Rea 2017-I 27 -3
  18. Table 15 - CONSUMER LOANS - VEHICLE LOANS - FACTORS AFFECTING DEMAND FOR LOANS QUARTERLY PERCENTAGE DISTRIBUTIONS - June 2016 - March 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 % 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 Mar 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 9 9 9 9 39 57 9 9 9 35 35 35 91 91 62 91 61 43 58 58 58 56 65 65 0 0 0 0 0 0 0 33 0 8 0 0 0 0 0 0 0 0 33 0 0 0 0 0 0 0 29 0 0 0 0 0 33 0 0 0 -9 -9 -9 -9 -39 -57 24 24 -9 -27 -35 -35 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 9 9 24 9 9 9 9 31 9 42 42 33 35 35 35 0 91 62 76 53 82 82 82 69 58 58 58 66 65 65 65 91 0 0 0 0 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 29 0 38 9 9 9 1 33 0 0 1 0 -9 0 -9 0 -24 0 -9 -9 -9 -9 -31 -9 -42 -42 -33 -35 -35 -35 8 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. 15 Chart 18 - Consumer Loans- Vehicle Loans Net Percentage Change in The Factors Affecting Demand for Loans (>0; Increasing Effect; <0;Decreasing Effect) % 2016-II 2016-III 2016-IV Vehicle Market Prospects 2017-I Consumer Confidence 30 20 Non-Vehicle Related Consumption Expenditure 10 0 Household Savings -10 -20 Loans From Other Banks -30 -40 Other Sources of Finance -50 -60 -70 Tax and Similar Burdens On Loans
  19. Table 16 - CONSUMER LOANS - OTHER CONSUMER LOANS - CREDIT STANDARDS QUARTERLY PERCENTAGE DISTRIBUTIONS - June 2016 - March 2017 Jun OVER THE PAST THREE MONTHS Tightened considerably Sep Dec Mar 0 0 0 0 Tightened somewhat 17 22 46 18 Remained basically unchanged 83 72 54 76 Eased somewhat 0 6 0 6 Eased considerably 0 0 0 0 -17 -16 -46 -13 14 14 14 14 Realized Net Change % (*) Number of Banks Responding OVER THE NEXT THREE MONTHS Tighten considerably 16 0 0 0 0 Tighten somewhat 17 6 0 0 Remain basically unchanged 83 94 87 100 0 0 0 0 13 0 0 0 -17 -6 13 0 14 14 14 14 Ease somewhat Ease considerably Expected Net Change % (*) 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.
  20. Table 17 - CONSUMER LOANS - OTHER CONSUMER LOANS- THE FACTORS AFFECTING CREDIT STANDARDS QUARTERLY PERCENTAGE DISTRIBUTIONS - June 2016 - March 2017 Contributed Considerably to Tightening of Credit Standards 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 % 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 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 Dec Mar 0 0 0 0 0 1 1 6 58 56 55 55 6 14 6 0 0 0 0 0 37 30 38 39 6 13 5 -6 0 0 0 0 0 0 0 0 0 0 1 1 1 1 0 0 80 71 85 69 63 54 84 69 6 0 0 0 21 15 0 0 0 0 0 0 0 0 0 0 14 29 14 30 15 30 16 31 6 0 -1 -1 20 14 0 0 0 0 0 0 0 0 0 0 0 0 0 0 4 21 4 20 29 1 16 16 1 15 16 0 96 73 81 64 71 84 84 78 84 84 84 84 0 6 0 15 0 0 0 6 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 15 0 0 15 0 0 15 1 -4 1 -16 16 -4 -5 -29 -1 -16 -10 -1 -15 -16 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. 17 Chart 19- CONSUMER LOANS - OTHER CONSUMER LOANS Net Percentage Change in the Factors Affecting Credit Standards (>0; Easing Effect; <0;Tightening Effect) Costs of Funds and Balance Sheet Constraints % 2016-II 2016-III 2016-IV 2017-I Competition From Other Banks 30 20 Competition From Non-Banks 10 0 Expectations Regarding General Economic Activity -10 Creditworthiness of Consumers -20 -30 -40 Risk on the Collateral Demanded
  21. Table 18 - CONSUMER LOANS- OTHER CONSUMER LOANS -CONDITIONS AND TERMS FOR CREDIT LINES QUARTERLY PERCENTAGE DISTRIBUTIONS - June 2016 - March 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 Jun Sep Dec Tightened Somewhat/Increased Mar Jun Sep Dec Mar Remained Basically Unchanged Jun Sep Dec Mar Eased Somewhat/Decreased Eased Considerably/Decreased Jun Jun Sep Dec Mar Sep Dec Not Applicable Mar Net Change % Jun Sep Dec Mar Jun Sep Dec Mar 0 0 0 0 0 0 0 0 0 0 16 1 15 0 15 0 94 100 65 99 51 100 84 99 6 0 19 0 34 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1 6 0 3 -1 19 0 -15 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 5 1 1 0 30 0 0 17 0 100 100 100 89 93 93 100 34 100 99 59 99 0 0 0 0 0 0 0 37 0 0 23 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 6 6 6 0 0 0 1 1 1 0 0 0 -5 -1 -1 0 7 0 0 6 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) 18 Chart 20 - CONSUMER LOANS - OTHER CONSUMER LOANS Net Percentage Change in Terms and Conditions for Credit Lines (>0; Easing Effect; <0;Tightening Effect) % 30 2016-II 2016-III 2016-IV Margin on Average Loans 2017-I Margin on Riskier Loans 20 Collateral Requirements 10 0 Maturity -10 Non-Interest Rate Charges -20
  22. Table 19 - CONSUMER LOANS - OTHER CONSUMER LOANS- DEMAND FOR LOANS AND CREDIT LINES QUARTERLY PERCENTAGE DISTRIBUTIONS - June 2016 - March 2017 Jun 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 Sep Dec Mar 0 34 53 13 0 0 29 66 6 0 0 39 56 6 0 0 0 84 0 16 -21 -23 -33 15 14 14 14 14 0 17 77 6 0 0 6 72 22 0 0 6 27 67 0 0 6 67 27 0 -11 16 61 21 14 14 14 14 (*) Net Percentage Change : (Increase Somewhat+Increase Considerably)-(Decrease Somewhat+Decrease Considerably) 19 Note: Since rounded numbers are used, sum of the ratios may not add up to 100 percent. Chart 21 - Consumer Loans-Demand for Loans-OTHER CONSUMER LOANS % 80 60 40 20 0 -20 -40 Net Change Exp Rea 2016-II -11 -23 Exp Rea 2016-III 16 -33 Exp Rea 2017-I 61 15
  23. Table 20 - CONSUMER LOANS - OTHER CONSUMER LOANS - FACTORS AFFECTING DEMAND FOR LOANS QUARTERLY PERCENTAGE DISTRIBUTIONS - June 2016 - March 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 % 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 Mar A- FINANCING NEEDS Spending on Durable Consumer Goods Consumer Confidence Securities Purchases 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 25 12 4 4 19 4 0 8 0 0 17 0 75 88 71 96 100 67 92 73 92 94 75 75 0 0 17 0 6 15 0 0 0 6 0 17 0 0 0 0 0 0 0 0 0 0 0 0 0 0 8 0 8 8 0 0 8 0 -25 8 -12 8 13 -4 -13 11 0 -8 0 6 -17 17 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 12 21 4 0 19 4 4 15 0 0 0 15 0 0 0 15 88 73 96 78 81 85 100 96 94 100 96 100 100 77 77 77 0 6 0 0 0 0 0 0 0 6 0 0 0 0 0 0 0 0 0 0 0 0 0 0 15 0 0 0 0 0 0 0 0 0 0 22 0 0 0 8 0 0 0 8 0 -12 0 -16 0 -4 8 0 -19 -4 -4 -15 15 6 0 -15 0 0 0 -15 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. 20 Chart 22 - Consumer Loans- Other Consumer Loans Net Percentage Change in The Factors Affecting Demand for Loans (>0; Increasing Effect; <0;Decreasing Effect) Spending on Durable Consumer Goods % Consumer Confidence 2016-II 2016-III 2016-IV 2017-I 20 Securities Purchases 10 Household Savings 0 Loans From Other Banks -10 Other Sources of Finance -20 Tax and Similar Burdens On Loans -30
  24. Table 21 - FUNDING CONDITIONS QUARTERLY PERCENTAGE DISTRIBUTIONS - June 2016 - March 2017 Funding Conditions in International Markets Local Funding Conditions Jun 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 21 Tighten somewhat Remain basically unchanged Ease somewhat Ease considerably Expected Net Change % (*) Number of Banks Responding Sep Dec Mar Jun Sep Dec Mar 0 0 23 77 0 77 15 0 0 0 0 38 47 15 62 15 0 0 0 53 28 19 0 -35 15 0 0 38 58 4 0 0 -96 15 0 0 0 14 39 47 0 32 15 0 0 2 76 22 0 0 -78 15 0 0 0 97 3 0 0 -97 15 0 0 0 56 14 30 0 -26 15 0 0 0 48 52 0 52 15 0 37 63 0 63 15 46 34 20 0 -26 15 71 23 6 0 -64 15 28 48 24 0 -4 15 42 41 17 0 -25 15 52 48 0 0 -52 15 44 56 0 0 -44 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.
  25. Table 22 - FUNDING CONDITIONS - THE FACTORS AFFECTING FUNDING CONDITIONS IN INTERNATIONAL MARKETS QUARTERLY PERCENTAGE DISTRIBUTIONS - June 2016 - March 2017 Tightened Considerably /Increased FACTORS 22 International Funding Costs International Funding Other Conditions and Terms Jun 0 0 Sep 2 2 Dec 0 0 Mar 0 0 Tightened Somewhat/Increased Jun 14 16 Sep 94 76 Dec 84 92 Remained Basically Unchanged Mar 56 33 Jun Sep 39 84 4 17 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. Dec Mar 16 8 29 37 Eased Somewhat/Decreased Jun 47 0 Sep 0 5 Dec 0 0 Mar 15 30 Eased Considerably/Decreased Jun 0 0 Sep 0 0 Dec 0 0 Mar Not Applicable Net Change % Jun Sep Dec Mar Jun Sep Dec Mar 0 0 0 0 0 0 0 0 0 32 -96 -84 -41 0 -16 -73 -92 -3