| ALN |
Covering acute liquidity needs |
| APP |
Expanded asset purchase programme |
| AVEL |
Risk weighted assets of which Average loans |
| BC |
Impact of bank competition |
| BDR |
Bank deposit rate |
| BDV |
Bank deposit volume |
| BFC |
Impact on banks funding conditions |
| BFW |
Financial situation - ability to raise funding in wholesale markets |
| BICP |
Financial situation - ability to improve its capital position |
| BIP |
Financial situation - ability to improve its profitability |
| BLM |
Bank lending margin |
| BLP |
Financial situation - liquidity position |
| BLR |
Bank lending rate |
| BLV |
Bank lending volume |
| BMFC |
Financial situation - market financing conditions |
| BPRO |
Financial situation - profitability |
| BSC |
Impact of cost of funds and balance sheet constraints |
| C |
Manufacturing |
| CACR |
Capital constraints |
| CAPL |
Capital release |
| CAPR |
Capital ratio |
| CBCO |
Costs related to balance sheet clean-up operations |
| CCF |
Impact of consumer confidence |
| CDB |
Purchasing assets - covered bonds |
| CGL |
Capital gains/losses |
| CGSA |
Capital gains/losses out of sales of marketable assets |
| CMP |
Pressure from competition |
| COCR |
Collateral constraints |
| COHL |
Cost of holding liquidity due to negative ECB deposit facility rate |
| CP |
Impact of capital position |
| CPED |
Purchasing assets - corporate bonds denominated in euro |
| CPRE |
Capital position of which Retained earnings |
| CRD |
Impact of the introduction of the more risk-sensitive Basel II-based capital adequacy framework (Directive 2006/48/EC; CRD henceforth), via the potential impact on the bank capital position |
| CRE |
Impact of consumption expenditure (mortgage equity withdrawal) |
| CRQ |
Collateral requirements |
| CWB |
Impact of creditworthiness of borrower |
| CWC |
Impact of creditworthiness of consumers |
| DEPS |
Increased deposits from enterprises and households |
| DR |
Impact of debt refinancing/restructuring/renegotiation |
| DSB |
Purchasing assets - Domestic sovereign bonds |
| DSI |
Impact of debt securities issuance |
| EABH |
Euro area sovereign bond holdings |
| EAMA |
Purchasing assets - euro area marketable assets |
| EASB |
Purchasing assets - sovereign bonds issued by other euro area member states |
| EQI |
Impact of equity issuance |
| ESD |
Direct exposure to sovereign debt |
| FABS |
Financing via asset-backed securities |
| FCOB |
Financing via covered bonds |
| FCON |
Funding constraints (no alternative sources of financing available to your bank) |
| FDIF |
Funding difficulties (financing via financial markets only available at high prices) |
| FEQI |
Financing via equity issued |
| FIX |
Impact of fixed investment |
| FMC |
Funding mix considerations |
| FUBB |
Financing via unsecured bank bonds |
| FX |
Construction (eXcluding real estate) |
| G |
Wholesale and retail trade |
| GEA |
Impact of general economic activity |
| GL |
Granting loans |
| GLI |
Impact of general level of interest rates |
| HMP |
Impact of housing market prospects |
| HSV |
Impact of household savings |
| HTNX |
Services (H to N eXcluding financial services and real estate) |
| IF |
Impact of internal financing |
| IFO |
Impact of industry or firm specific situation |
| IFS |
Impact of internal finance out of savings |
| INV |
Impact of inventories and working capital |
| L |
Real estate |
| LCOL |
Lack of collateral |
| LCRE |
Commercial real estate |
| LCV |
Loan covenants |
| LD |
Insufficient loan demand |
| LE |
Large enterprises |
| LEV |
Level of credit standards |
| LEVR |
Leverage ratio |
| LIQA |
Total assets of which liquid assets |
| LIQE |
Holding liquidity with the Eurosystem |
| LME |
Large and medium enterprises |
| LNB |
Impact of loans from non-banks |
| LOB |
Impact of loans from other banks |
| LP |
Impact of liquidity position |
| LRRE |
Residential real estate |
| LTL |
Long-term loans |
| LTRO |
Impact of 3-year LTRO |
| LVR |
Impact of loan to value ratio |
| MAA |
Impact of mergers and acquisitions and corporate restructuring |
| MAL |
Margin on average loans |
| MF |
Impact of ability to access market financing |
| MFC |
Impact of market financing competition |
| MKTA |
Sales of marketable assets |
| MLTD |
Refinancing - substituting maturing medium to long-term debt |
| MRL |
Margin on riskier loans |
| MSTG |
Concerns about market stigma |
| MTY |
Maturity |
| NBC |
Impact of non-bank competition |
| NDL |
Financial situation - need to deleverage |
| NEDA |
Purchasing assets - non-euro denominated assets |
| NEMA |
Purchasing assets - non-euro area marketable assets |
| NFCO |
No funding constraints or comfortable liquidity position |
| NHC |
Impact of non-housing related consumption |
| NIC |
Non interest rate charges, lending |
| NICD |
Non interest rate charges, deposits |
| NII |
Net interest income |
| NIM |
Net interest margin |
| NPAR |
Non-participation in the LTRO |
| NPL |
Non-performing loan (NPL) ratio |
| NSMF |
Funding sought via ABSPP and/or CBPP |
| NTMG |
Non-traditional mortgage loans |
| O |
Overall |
| OF1 |
First other factor (see OBS_COM) |
| OF2 |
Second other factor (see OBS_COM) |
| OF3 |
Third other factor (see OBS_COM) |
| OFA |
Purchasing assets - other financial assets |
| OFN |
Other factor NO |
| OFY |
Other factor YES |
| OPC |
Bank`s operating cost |
| OPEN |
Answer to open question (see OBS_COM) |
| OSF |
Impact of other sources of finance |
| OSL |
Other loan size limits |
| OT1 |
First other factor for terms and conditions (see OBS_COM) |
| OT2 |
Second other factor for terms and conditions (see OBS_COM) |
| OT3 |
Third other factor for terms and conditions (see OBS_COM) |
| OTHE |
Other effects |
| PAR |
Participation in the LTRO |
| PLB |
Precautionary liquidity buffer |
| PMG |
Prime mortgage loans |
| PRAC |
Profitability reasons linked to attractive conditions |
| PRMO |
Precautionary motive (to secure financing given the uncertainty on financial markets) |
| PRT |
Bank`s profitability target |
| PSR |
Pressure related to supervisory or regulatory requirements |
| QUES |
A questionnaire was received from that bank (1=yes, else=no) |
| RCD |
Impact of risk on the collateral demanded |
| REGR |
Fulfilment of regulatory and supervisory requirements |
| RFR |
Impact of regulatory and fiscal regime |
| RLR |
Regulatory liquidity requirements |
| RMG |
All residential mortgage loans |
| RSK |
Perception of risk |
| RSKL |
Risk weighted assets of which Riskier loans |
| RTO |
Impact of bank`s risk tolerance |
| RWA |
Risk weighted assets |
| SC |
Secured credit |
| SCP |
Impact of securities purchases |
| SCW |
Sovereign collateral available for wholesale market transactions |
| SDC |
Impact of spending on durable consumer goods |
| SDWD |
Refinancing - substituting deposit shortfalls |
| SEL |
Substituting existing loans |
| SELO |
Refinancing - substituting other Eurosystem liquidity operations |
| SIBL |
Refinancing - substituting interbank lending |
| SIZE |
Bank size category (1=big, else=other) |
| SMD |
Refinancing - substituting maturing debt securities |
| SME |
Small- and medium-sized enterprises |
| ST2 |
Refinancing - substituting TLTRO-II funding |
| STD |
Refinancing - substituting maturing short-term debt |
| STL |
Short-term loans |
| SZL |
Size of loans |
| TCON |
Less attractive TLTRO conditions compared with market funding conditions |
| TOIB |
Impact of the 2007-08 turmoil in the credit markets |
| TOIL |
Impact of financial and sovereign debt crisis 2009 onwards |
| TOTA |
Total assets |
| TTRO |
Impact of TLTRO - refers to TLTRO I (BLS rounds 2014Q4 - 2016Q1), TLTRO II (BLS rounds 2016Q3 - 2017Q3) and TLTRO III (BLS rounds 2020Q1 onwards) |
| UND |
Currently undecided about participation |
| UNRR |
Reduction uncertainty due to fulfilment regulatory requirements |
| Z |
Not applicable |