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Turkey: Bank Loans Tendency Survey, July- September 2017

IM Research
By IM Research
6 years ago
Turkey: Bank Loans Tendency Survey, July- September 2017

Ard, Mal

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  1. BANK LOANS TENDENCY SURVEY July - September 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. Table 1- LOANS TO ENTERPRISES - CREDIT STANDARDS QUARTERLY PERCENTAGE DISTRIBUTIONS - September 2016 - June 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 Dec Mar June Sep Dec Mar June Sep Dec Mar June Sep Dec Mar June Sep Dec Mar June Sep Dec Mar June Sep Dec Mar June Sep 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 12 0 88 100 0 0 0 0 0 0 0 0 75 100 25 0 0 0 0 6 94 0 0 0 0 78 22 0 0 0 61 39 0 0 0 95 5 0 0 0 6 0 94 100 0 0 0 0 0 0 80 20 0 0 0 95 5 0 0 6 94 0 0 0 0 81 19 0 0 0 0 0 79 100 21 0 0 0 0 15 25 15 0 15 -6 15 22 15 39 15 5 15 -6 15 0 15 20 15 5 15 -6 15 19 15 0 0 12 0 88 100 0 0 0 0 -12 0 0 1 99 0 0 -1 0 0 85 15 0 15 0 1 99 0 0 -1 0 0 97 3 0 3 0 1 99 0 0 -1 0 0 85 15 0 15 0 0 6 0 94 100 0 0 0 0 -6 0 0 1 99 0 0 -1 0 0 85 15 0 15 15 15 15 15 15 15 15 15 15 -12 15 15 15 15 0 34 66 0 0 0 0 81 19 0 0 0 0 0 94 100 6 0 0 0 21 15 0 -34 15 15 19 15 6 15 0 0 6 0 94 100 0 0 0 0 -6 0 0 1 99 0 0 -1 0 0 0 0 0 39 14 15 85 61 86 85 15 0 0 0 0 0 0 0 15 -39 -14 -15 15 15 15 15 15 15 15 0 12 88 0 0 0 0 81 19 0 0 0 0 0 79 100 21 0 0 0 0 -12 15 15 19 15 21 15 0 -19 -10 15 15 15 0 0 85 15 0 15 0 0 6 0 94 100 0 0 0 0 -6 0 0 1 99 0 0 -1 0 0 0 0 0 0 39 42 15 29 85 61 58 85 57 15 0 0 0 15 0 0 0 0 0 15 -39 -42 -15 -14 15 15 15 15 15 0 19 81 0 0 15 0 28 53 19 0 15 0 18 62 20 0 0 29 71 0 0 2 -29 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. 1
  3. Table 2 - LOANS TO ENTERPRISES - THE FACTORS AFFECTING CREDIT STANDARDS QUARTERLY PERCENTAGE DISTRIBUTIONS - September 2016 - June 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 Dec Contributed Considerably to Easing of Credit Standarts Not Applicable Net Change % Mar June Sep Dec Mar June Sep Dec Mar June Sep Dec Mar June Sep Dec Mar June Sep Dec Mar June Sep Dec Mar June Sep 0 0 0 0 0 0 0 0 0 0 0 0 1 1 1 0 0 0 0 0 0 0 0 0 97 85 85 99 86 86 79 100 66 87 51 72 0 0 0 0 0 0 15 0 0 0 0 15 0 0 0 0 0 0 0 0 0 0 0 0 2 14 14 1 14 14 6 34 49 0 13 13 -1 -1 -1 0 0 0 15 0 0 0 0 15 0 0 0 0 0 0 0 0 0 0 0 0 1 1 1 0 0 0 0 0 0 0 0 0 82 82 70 84 84 71 78 79 60 85 85 87 0 0 0 0 0 0 21 0 6 15 15 0 0 0 0 0 0 0 0 0 0 0 0 0 16 16 29 16 16 29 1 21 34 0 0 13 -1 -1 -1 0 0 0 21 0 6 15 15 0 5 5 0 0 0 0 0 0 0 0 0 0 74 43 35 27 14 0 0 0 0 13 0 0 80 87 80 100 80 100 0 0 0 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 -79 -48 -35 -27 -14 0 20 20 15 -13 0 0 21 73 52 86 65 100 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
  4. Table 3 - LOANS TO ENTERPRISES - CONDITIONS AND TERMS FOR LOANS AND CREDIT LINES QUARTERLY PERCENTAGE DISTRIBUTIONS - September 2016 - June 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 Dec Mar June Sep Tightened Somewhat/Increased Dec Mar June Remained Basically Unchanged Sep Dec Mar June Eased Somewhat/Decreased Sep Dec Mar June Eased Considerably/Decreased Sep Dec Mar June Sep Not Applicable Dec Mar June Net Change % Sep Dec Mar June Sep 0 0 0 0 0 0 0 0 1 6 0 17 0 18 0 5 68 81 82 70 70 69 70 82 19 0 5 0 17 0 17 0 0 0 0 0 0 0 0 0 13 13 13 13 13 13 13 13 17 -6 5 -17 17 -18 17 -5 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 48 0 20 5 0 43 15 28 14 0 0 0 0 0 2 13 0 13 0 87 52 100 65 80 87 57 85 72 86 85 85 100 98 90 85 87 100 85 100 0 0 0 15 15 0 0 0 0 0 2 15 0 2 10 0 0 0 2 0 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 13 0 0 -48 0 0 0 -5 0 10 0 -43 -15 -28 -14 2 15 0 2 10 -2 -13 0 -12 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) 3
  5. Table 4 -LOANS TO ENTERPRISES - DEMAND FOR LOANS AND CREDIT LINES QUARTERLY PERCENTAGE DISTRIBUTIONS - September 2016 - June 2017 Loans to Small and MediumLoans to Large Enterprises Sized Enterprises OVERALL Dec 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 Mar June Sep Dec Mar June Sep 0 35 43 22 0 0 17 83 0 0 0 0 56 44 0 0 15 85 0 0 0 1 80 19 0 0 0 85 15 0 0 0 40 60 0 0 15 72 14 0 -13 -17 44 -15 17 15 60 15 15 15 15 15 15 15 0 1 59 40 0 38 15 0 0 62 38 0 38 15 0 3 72 25 0 22 15 0 0 53 47 0 47 15 0 1 59 40 0 38 15 0 0 50 37 13 50 15 0 0 62 38 0 38 15 0 0 53 47 0 47 15 Dec Mar June Sep 0 15 72 14 0 Short-Term Loans Dec 0 21 57 22 0 0 17 83 0 0 0 14 39 47 0 0 20 58 22 0 -1 1 -17 33 -1 15 15 15 15 15 0 16 51 33 0 17 15 0 14 48 38 0 24 15 0 3 72 25 0 22 15 0 0 53 47 0 47 15 0 1 44 54 0 53 15 Mar June 0 0 100 0 0 0 0 49 51 0 2 0 15 15 0 0 52 48 0 48 15 Long-Term Loans Sep Dec Mar June Turkish Lira Loans Sep Dec 0 15 72 14 0 0 35 46 19 0 0 22 78 0 0 0 14 28 58 0 0 18 82 0 0 0 6 72 22 0 51 -1 -16 -22 44 -18 15 15 15 15 15 15 0 3 72 25 0 22 15 0 0 63 37 0 37 15 0 30 39 31 0 1 15 0 14 62 24 0 10 15 0 3 78 19 0 16 15 0 0 53 47 0 47 15 Mar June 0 0 97 3 0 0 0 42 58 0 15 3 15 15 0 1 51 48 0 47 15 0 0 67 33 0 33 15 Foreign Currency Loans Sep Dec Mar June Sep 0 15 69 16 0 0 51 31 19 0 0 30 70 0 0 0 29 52 19 0 0 28 72 0 0 58 2 -32 -30 -10 -28 15 15 15 15 15 15 0 3 73 24 0 21 15 0 0 66 34 0 34 15 0 50 31 19 0 -31 15 0 42 39 19 0 -23 15 0 32 31 37 0 5 15 0 15 35 50 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. 4
  6. Table 5 - LOANS TO ENTERPRISES - FACTORS AFFECTING DEMAND FOR LOANS AND CREDIT LINES QUARTERLY PERCENTAGE DISTRIBUTIONS - September 2016 - June 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 % Dec Mar June Sep Dec Mar June Sep Dec Mar June Sep Dec Mar June Sep Dec Mar June Sep Dec Mar June Sep Dec Mar June Sep 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 76 6 24 0 37 14 8 0 30 0 14 0 33 0 15 0 23 57 56 37 63 53 72 51 55 50 45 37 67 53 85 53 0 37 19 24 0 34 19 49 15 50 2 44 0 47 0 47 0 0 0 39 0 0 0 0 0 0 19 19 0 0 0 0 0 0 2 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 6 1 5 8 8 1 0 20 20 18 18 0 0 0 0 0 0 0 0 22 0 0 0 0 59 57 56 58 45 49 99 46 46 48 35 55 79 100 70 64 65 86 65 86 52 73 53 73 19 8 5 0 0 19 0 19 19 19 19 19 20 0 5 5 5 0 0 0 0 0 0 0 0 19 19 19 19 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 16 15 15 15 28 31 1 15 15 15 28 27 1 30 30 30 43 47 0 14 14 14 27 27 0 0 0 0 0 0 0 0 54 71 65 22 15 1 15 5 0 0 0 19 14 34 14 72 0 -77 0 30 0 -5 0 63 -37 20 11 49 -15 50 7 63 -33 47 -15 47 12 25 19 11 11 17 0 -1 -1 1 1 19 20 0 5 5 5 0 0 -22 0 0 0 0 27 15 1 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. 5
  7. Table 6 - CONSUMER LOANS - HOUSING LOANS - CREDIT STANDARDS QUARTERLY PERCENTAGE DISTRIBUTIONS - September 2016 - June 2017 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 Mar June Sep 0 19 81 0 0 -19 14 0 20 80 0 0 -20 14 0 0 100 0 0 0 14 0 0 100 0 0 0 14 0 0 84 16 0 15 14 0 0 100 0 0 0 14 0 0 100 0 0 0 14 0 0 100 0 0 0 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. 6
  8. Table 7- CONSUMER LOANS-HOUSING LOANS - THE FACTORS AFFECTING CREDIT STANDARDS QUARTERLY PERCENTAGE DISTRIBUTIONS - September 2016 - June 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 Contributed Somewhat to Tightening of Credit Standards Contributed to Basically Unchanged Credit Standards Contributed Considerably to Easing of Credit Standards Contributed Somewhat to Easing of Credit Standards Not Applicable Net Change % Dec Mar June Sep Dec Mar June Sep Dec Mar June Sep Dec Mar June Sep Dec Mar June Sep Dec Mar June Sep Dec Mar June Sep 0 0 0 0 5 5 0 0 78 78 83 100 0 0 0 0 0 0 0 0 17 17 17 0 -5 -5 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 81 80 80 80 80 100 80 100 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 19 19 20 20 20 20 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 19 0 20 0 20 0 0 81 80 80 100 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 -19 -20 0 0 0 -20 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. 7
  9. Table 8 - CONSUMER LOANS - HOUSING LOANS- CONDITIONS AND TERMS FOR CREDIT LINES QUARTERLY PERCENTAGE DISTRIBUTIONS - September 2016 - June 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 Dec Dec Mar June Sep Dec Mar June Sep Dec Mar June Sep Remained Basically Unchanged Eased Somewhat/Decreased Mar Eased Considerably/Decreased June Sep Dec Mar June Not Applicable Sep Net Change % Dec Mar June Sep Dec Mar June Sep 0 0 0 0 0 0 0 0 19 0 20 0 0 0 0 52 64 0 100 100 65 80 80 80 29 0 16 0 16 20 20 20 0 0 0 0 20 0 0 0 0 0 0 0 0 0 0 0 9 0 -4 0 35 20 20 20 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 16 0 0 0 16 0 0 0 0 0 0 0 100 100 100 0 51 84 100 0 100 100 100 0 100 100 100 100 100 100 100 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 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) 8
  10. Table 9 - CONSUMER LOANS - HOUSING LOANS- DEMAND FOR LOANS AND CREDIT LINES QUARTERLY PERCENTAGE DISTRIBUTIONS - September 2016 - June 2017 Dec 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 Mar June Sep 0 20 40 40 0 19 14 0 24 36 40 0 16 14 0 21 43 36 0 15 14 0 8 68 25 0 17 14 0 8 71 21 0 13 14 0 0 84 16 0 16 14 0 8 76 16 0 8 14 0 8 59 33 0 25 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. 9
  11. Table 10 - CONSUMER LOANS - HOUSING LOANS - FACTORS AFFECTING DEMAND FOR LOANS QUARTERLY PERCENTAGE DISTRIBUTIONS - September 2016 - June 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 % Dec Mar June Sep Dec Mar June Sep Dec Mar June Sep Dec Mar June Sep Dec Mar June Sep Dec Mar June Sep Dec Mar June Sep 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 20 20 0 0 16 16 0 0 8 8 8 8 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 5 5 5 0 0 0 0 0 8 21 8 0 8 40 12 75 5 100 0 95 0 8 8 0 39 79 95 95 36 68 92 68 63 63 95 75 21 0 0 0 25 0 5 0 56 20 0 20 29 20 0 20 19 0 0 0 20 0 0 0 0 0 0 0 0 0 0 0 0 5 0 5 0 5 0 5 0 5 0 5 95 100 90 100 95 100 95 95 92 79 72 83 88 80 80 84 0 5 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 0 0 5 0 0 0 5 0 0 0 17 0 19 5 -20 0 0 5 0 12 12 12 16 -5 0 -5 0 29 -16 5 0 48 12 -8 12 21 8 -5 20 0 0 0 0 -8 -21 12 0 0 -8 -8 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. 10
  12. Table 11 - CONSUMER LOANS - VEHICLE LOANS - CREDIT STANDARDS QUARTERLY PERCENTAGE DISTRIBUTIONS - September 2016 - June 2017 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 Mar June Sep 0 0 0 0 33 0 0 0 67 100 100 100 0 0 0 0 0 0 0 0 -33 0 0 0 14 14 14 14 0 0 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 (*) 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. 11
  13. Table 12 - CONSUMER LOANS - VEHICLE LOANS - THE FACTORS AFFECTING CREDIT STANDARDS QUARTERLY PERCENTAGE DISTRIBUTIONS - September 2016 - June 2017 Contributed Contributed Considerably to Somewhat 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 % Dec Mar June Sep Dec Mar June Sep Dec Mar June Sep Dec Mar June Sep Dec Mar June Sep Dec Mar June Sep Dec Mar June Sep 0 0 0 0 0 0 0 0 99 99 100 100 0 0 0 0 0 0 0 0 1 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 58 91 64 63 100 99 100 100 9 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 33 9 36 1 37 0 0 0 9 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 33 0 0 35 0 0 37 0 0 0 67 0 100 0 100 64 63 100 99 100 100 99 100 100 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 1 1 1 0 0 0 0 -33 0 0 0 0 -35 0 0 -37 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. 12
  14. Table 13 - CONSUMER LOANS - VEHICLE LOANS -CONDITIONS AND TERMS FOR CREDIT LINES QUARTERLY PERCENTAGE DISTRIBUTIONS - September 2016 - June 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 Dec Mar June Sep Tightened Somewhat/Increased Dec Mar June Remained Basically Unchanged Sep Dec Mar June Sep Eased Somewhat/Decreased Dec Mar June Eased Considerably/Decreased Sep Dec Mar June Sep Not Applicable Net Change % Dec Mar June Sep Dec Mar June Sep 0 0 0 0 0 0 0 0 9 9 0 0 8 8 0 0 83 91 64 64 55 92 62 100 9 0 0 0 37 0 38 0 0 0 35 35 0 0 0 0 0 0 1 1 0 0 0 0 0 -9 35 35 29 -8 38 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 100 67 100 99 99 99 100 100 100 100 100 100 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 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) 13
  15. Table 14 - CONSUMER LOANS - VEHICLE LOANS- DEMAND FOR LOANS AND CREDIT LINES QUARTERLY PERCENTAGE DISTRIBUTIONS - September 2016 - June 2017 Dec Mar June Sep OVER THE PAST THREE MONTHS Decreased Considerably 0 0 0 0 Decreased Somewhat 17 44 65 51 Remained Basically Unchanged 49 48 35 49 Increased Somewhat 33 8 0 0 Increased Considerably 0 0 0 0 Realized Net Change % (*) 16 -36 -65 -51 Number of Banks Responding 14 14 14 14 0 OVER THE NEXT THREE MONTHS Decrease Considerably 0 0 0 Decrease Somewhat 42 13 21 0 Remain Basically Unchanged 36 87 71 92 Increase Somewhat 22 0 8 8 0 0 0 0 -20 -13 -13 8 14 14 14 14 Increase Considerably Expected Net Change % (*) Number of Banks Responding (*) 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. 14
  16. Table 15 - CONSUMER LOANS - VEHICLE LOANS - FACTORS AFFECTING DEMAND FOR LOANS QUARTERLY PERCENTAGE DISTRIBUTIONS - September 2016 - June 2017 Contributed to Contributed Contributed Basically Somewhat to Lower Somewhat to Higher Unchanged Demand Demand Demand Contributed Considerably to Lower Demand Contributed Considerably to Higher Demand Not Applicable Net Change % Dec Mar June Sep Dec Mar June Sep Dec Mar June Sep Dec Mar June Sep Dec Mar June Sep Dec Mar June Sep Dec Mar June Sep 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 35 35 35 58 45 9 38 38 51 58 58 58 56 65 65 42 55 91 62 62 49 0 33 0 8 0 0 0 0 0 0 0 0 33 0 0 0 0 0 0 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 9 42 42 33 35 35 35 0 45 16 45 9 0 46 38 0 58 58 58 66 65 65 65 91 55 84 55 84 62 54 62 55 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 33 0 0 1 0 0 0 0 0 0 0 7 0 0 0 24 24 -9 -27 -35 -35 -58 -45 -9 -38 -38 -51 38 -9 0 -42 0 -42 45 -33 -35 -35 -35 8 -45 -16 -45 -9 0 -46 -38 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. 15
  17. Table 16 - CONSUMER LOANS - OTHER CONSUMER LOANS - CREDIT STANDARDS QUARTERLY PERCENTAGE DISTRIBUTIONS - September 2016 - June 2017 Dec OVER THE PAST THREE MONTHS Tightened considerably Mar 0 June 0 Sep 0 0 Tightened somewhat 16 0 0 0 Remained basically unchanged 78 100 100 87 6 0 0 13 Eased somewhat Eased considerably Realized Net Change % (*) 0 0 0 0 -10 0 0 13 14 14 14 14 OVER THE NEXT THREE MONTHS Tighten considerably 0 0 0 0 Tighten somewhat 0 0 0 0 100 100 100 87 Ease somewhat 0 0 0 13 Ease considerably 0 0 0 0 Number of Banks Responding Remain basically unchanged Expected Net Change % (*) Number of Banks Responding 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. 16
  18. Table 17 - CONSUMER LOANS - OTHER CONSUMER LOANS- THE FACTORS AFFECTING CREDIT STANDARDS QUARTERLY PERCENTAGE DISTRIBUTIONS - September 2016 - June 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 % Dec Mar June Sep Dec Mar June Sep Dec Mar June Sep Dec Mar June Sep Dec Mar June Sep Dec Mar June Sep Dec Mar June Sep 0 0 0 0 1 6 0 0 55 55 77 80 6 0 0 13 0 0 0 0 38 39 23 7 5 -6 0 13 0 0 0 0 0 0 0 0 1 1 0 0 0 0 16 0 63 54 84 100 69 85 56 87 21 15 0 0 0 0 28 13 0 0 0 0 0 0 0 0 15 30 16 31 0 15 0 0 20 14 0 0 0 0 12 13 0 0 0 0 0 0 0 0 0 0 0 0 16 16 1 15 16 0 15 16 0 0 0 0 84 78 84 84 84 84 87 87 87 0 6 0 0 0 0 0 0 0 13 13 13 0 0 0 0 0 0 0 0 0 0 0 0 0 0 15 1 1 16 0 0 15 0 -16 0 -10 0 -1 -15 -16 0 -15 -16 0 13 13 13 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. 17
  19. Table 18 - CONSUMER LOANS- OTHER CONSUMER LOANS -CONDITIONS AND TERMS FOR CREDIT LINES QUARTERLY PERCENTAGE DISTRIBUTIONS - September 2016 - June 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 Dec Mar June Tightened Somewhat/Increased Sep Dec Mar June Remained Basically Unchanged Sep Dec Mar June Sep Eased Somewhat/Decreased Dec Mar June Eased Considerably/Decreased Sep Dec Mar June Not Applicable Sep Net Change % Dec Mar June Sep Dec Mar June Sep 0 0 0 0 0 0 0 0 15 0 15 0 0 0 15 0 51 100 84 99 100 100 85 100 34 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1 0 0 0 0 19 0 -15 0 0 0 -15 0 0 0 0 0 0 0 0 0 0 0 0 0 0 30 0 0 17 0 0 0 0 0 0 0 100 34 100 99 59 99 100 77 100 100 100 100 0 37 0 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 7 0 0 6 0 0 23 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) 18
  20. Table 19 - CONSUMER LOANS - OTHER CONSUMER LOANS- DEMAND FOR LOANS AND CREDIT LINES QUARTERLY PERCENTAGE DISTRIBUTIONS - September 2016 - June 2017 Dec 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 Mar June Sep 0 0 85 0 15 15 0 0 94 6 0 6 0 4 79 17 0 13 0 0 56 44 0 44 14 14 14 14 0 4 67 29 0 25 0 0 77 23 0 23 0 4 73 23 0 19 0 0 40 60 0 60 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. 19