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 |