Figure 1: Measures of Supply and Demand for C&I Loans,
by Size of Firm Seeking Loans
Panel 1: Net Percentage of Domestic Respondents
Tightening Standards for C&I Loans
Large
and
medium Small
------ ------
90:2 56.90 52.60
90:3 39.45 33.90
90:4 48.90 41.00
91:1 36.00 32.00
91:2 15.50 6.90
91:3 12.25 8.70
91:4 9.00 5.20
92:1 5.25 0.00
92:2 0.90 -7.30
92:3 -1.70 -1.70
92:4 4.35 -5.40
93:1 2.65 -1.80
93:2 -7.85 -1.80
93:3 -19.45 -11.70
93:4 -17.75 -8.50
94:1 -12.95 -12.30
94:2 -12.20 -8.90
94:3 -6.95 -7.00
94:4 -17.40 -17.50
95:1 -6.85 -5.30
95:2 -5.90 -6.90
95:3 -6.05 -1.80
95:4 -3.45 -1.80
96:1 6.95 3.50
96:2 -0.90 1.80
96:3 -3.70 -1.90
96:4 -7.80 -12.20
97:1 -5.45 -5.30
97:2 -6.95 -3.50
97:3 -5.70 -1.90
97:4 -7.00 -3.50
98:1 1.80 1.90
98:2 -7.10 -1.80
98:3 0.00 -5.20
98:4 36.40 14.80
99:1 7.40 3.70
99:2 10.00 8.30
99:3 5.40 1.90
99:4 9.10 1.90
00:1 10.90 9.40
00:2 24.60 21.40
00:3 33.90 23.60
00:4 43.80 27.30
01:1 59.70 45.40
01:2 50.90 36.40
01:3 40.40 31.60
01:4 50.90 40.40
02:1 45.40 41.80
02:2 25.00 14.50
02:3 21.40 5.50
02:4 20.00 18.20
03:1 22.00 13.80
03:2 8.90 12.70
03:3 3.50 3.50
03:4 0.00 -1.80
04:1 -17.90 -10.90
04:2 -23.20 -19.60
04:3 -20.00 -3.70
04:4 -21.10 -18.20
05:1 -23.60 -12.90
Figure 1: Measures of Supply and Demand for C&I Loans,
by Size of Firm Seeking Loans
Panel 2: Net Percentage of Domestic Respondents Increasing
Spreads of Loan Rates over Banks' Cost of Funds
Large
and
medium Small
------ ------
90:2 12.00 7.20
90:3 25.85 17.20
90:4 51.80 33.90
91:1 59.00 37.50
91:2 45.50 25.40
91:3 31.25 14.00
91:4 31.50 12.00
92:1 11.35 14.00
92:2 11.65 7.10
92:3 0.00 5.20
92:4 -3.60 -7.10
93:1 -0.90 0.00
93:2 -23.65 -10.70
93:3 -39.35 -16.90
93:4 -55.90 -31.00
94:1 -46.55 -19.30
94:2 -58.30 -26.80
94:3 -52.20 -21.10
94:4 -46.10 -24.50
95:1 -44.45 -28.10
95:2 -52.10 -29.30
95:3 -45.70 -19.30
95:4 -33.70 -12.20
96:1 -30.65 -7.00
96:2 -36.10 -17.40
96:3 -28.75 -5.60
96:4 -34.55 -27.20
97:1 -33.25 -11.10
97:2 -32.45 -12.30
97:3 -38.50 -25.50
97:4 -40.40 -40.40
98:1 -25.40 -24.10
98:2 -34.00 -25.00
98:3 -14.30 -30.40
98:4 47.30 18.90
99:1 31.40 5.70
99:2 7.10 1.80
99:3 21.50 5.50
99:4 23.60 -1.90
00:1 25.00 10.00
00:2 35.20 16.00
00:3 35.80 25.40
00:4 54.40 26.90
01:1 57.10 28.90
01:2 44.40 22.30
01:3 50.80 38.20
01:4 58.90 41.80
02:1 40.00 36.40
02:2 23.70 13.20
02:3 41.10 20.00
02:4 29.10 14.80
03:1 27.10 15.50
03:2 14.60 11.10
03:3 -12.30 -3.60
03:4 -13.80 -10.50
04:1 -26.80 -16.70
04:2 -39.30 -25.90
04:3 -30.80 -29.10
04:4 -50.00 -38.20
05:1 -45.50 -26.00
Figure 1: Measures of Supply and Demand for C&I Loans,
by Size of Firm Seeking Loans
Panel 3: Net Percentage of Domestic Respondents
Reporting Stronger Demand for C&I Loans
Large
and
medium Small
------ ------
91:4 -29.65 -25.40
92:1 -26.50 -11.60
92:2 6.25 25.00
92:3 -8.60 6.90
92:4 6.15 -1.80
93:1 20.20 32.20
93:2 -0.10 12.30
93:3 18.05 13.80
93:4 9.25 17.20
94:1 26.05 26.30
94:2 38.10 38.10
94:3 31.25 19.30
94:4 31.40 31.60
95:1 35.10 18.20
95:2 28.60 17.20
95:3 4.35 25.00
95:4 3.45 7.20
96:1 -3.45 14.00
96:2 10.20 24.00
96:3 12.05 17.70
96:4 0.90 3.60
97:1 4.70 14.70
97:2 5.35 10.70
97:3 13.40 19.60
97:4 19.30 19.30
98:1 25.90 15.40
98:2 28.50 21.10
98:3 -8.90 0.00
98:4 27.70 7.70
99:1 20.40 11.40
99:2 -0.00 10.10
99:3 0.00 0.10
99:4 -1.80 -3.80
00:1 9.10 -1.90
00:2 -8.80 5.30
00:3 -5.30 -3.60
00:4 -22.80 -12.80
01:1 -50.00 -29.70
01:2 -40.00 -34.50
01:3 -52.70 -42.10
01:4 -70.20 -50.00
02:1 -54.50 -45.40
02:2 -35.70 -29.00
02:3 -44.60 -36.40
02:4 -52.70 -48.20
03:1 -32.20 -20.60
03:2 -39.30 -21.80
03:3 -22.50 -12.30
03:4 -11.60 -3.90
04:1 10.70 21.80
04:2 28.60 38.10
04:3 31.40 38.90
04:4 26.30 25.50
05:1 45.50 29.60
Figure 2: Measures of Supply and Demand for Loans to Households
Panel 1: Net Percentage of Domestic Respondents Tightening
Standards on Consumer Loans
Other
Credit Consumer
cards loans
------ --------
96:1 25.00 15.70
96:2 23.50 12.00
96:3 48.90 24.50
96:4 48.80 23.10
97:1 36.90 20.00
97:2 45.90 19.30
97:3 23.30 8.40
97:4 25.00 12.00
98:1 22.20 16.30
98:2 16.30 6.10
98:3 20.00 7.80
98:4 15.90 8.00
99:1 7.40 -1.90
99:2 13.30 5.40
99:3 4.80 5.60
99:4 4.90 0.00
00:1 4.80 3.90
00:2 2.50 5.50
00:3 -2.60 3.70
00:4 8.30 7.40
01:1 11.80 18.60
01:2 20.00 18.90
01:3 11.40 9.10
01:4 20.00 20.00
02:1 18.20 17.00
02:2 8.60 20.00
02:3 14.70 9.00
02:4 15.20 16.80
03:1 16.20 8.80
03:2 9.70 12.90
03:3 0.00 5.50
03:4 2.90 1.80
04:1 6.30 5.70
04:2 3.30 -2.00
04:3 0.00 0.00
04:4 -2.90 -3.90
05:1 -3.00 -2.00
Figure 2: Measures of Supply and Demand for Loans to Households
Panel 2: Net Percentage of Domestic Respondents Reporting
Stronger Demand for Loans to Households
Residential Consumer
mortgages loans
----------- --------
90:4 -47.30 ND
91:1 -57.40 ND
91:2 59.70 ND
91:3 ND ND
91:4 5.30 -28.10
92:1 38.60 -30.30
92:2 25.90 22.20
92:3 24.60 14.30
92:4 34.00 14.50
93:1 3.60 1.80
93:2 43.80 10.70
93:3 45.80 22.40
93:4 24.10 26.80
94:1 17.20 24.50
94:2 -12.50 37.50
94:3 -57.20 16.10
94:4 -66.70 0.00
95:1 -76.80 -3.60
95:2 -14.50 -7.30
95:3 51.00 24.00
95:4 16.40 5.50
96:1 14.50 -7.70
96:2 22.00 12.00
96:3 -22.00 2.00
96:4 -11.70 -9.80
97:1 5.70 -15.60
97:2 -9.50 -15.10
97:3 20.00 -10.40
97:4 28.80 -4.00
98:1 57.70 4.00
98:2 63.50 9.80
98:3 35.30 0.00
98:4 47.00 -8.00
99:1 10.00 3.90
99:2 8.90 16.70
99:3 -33.40 11.40
99:4 -41.20 -7.90
00:1 -63.50 -9.60
00:2 -42.60 -22.20
00:3 -39.70 -9.30
00:4 -32.70 -12.80
01:1 0.00 -35.80
01:2 46.10 9.70
01:3 24.50 5.40
01:4 -1.90 -23.60
02:1 28.90 -3.80
02:2 5.60 3.80
02:3 27.50 -3.70
02:4 40.00 -5.60
03:1 7.40 3.50
03:2 17.00 -1.90
03:3 46.30 32.70
03:4 -18.60 3.60
04:1 -38.50 -13.20
04:2 -5.80 21.10
04:3 -7.70 -11.50
04:4 -24.50 -29.60
05:1 -27.50 -26.90
Figure 2: Measures of Supply and Demand for Loans to Households
Panel 3: Net Percentage of Domestic Respondents Tightening
Standards for Mortgages to Individuals
Mortgages
---------
90:3 8.70
90:4 22.80
91:1 32.70
91:2 22.90
91:3 12.50
91:4 6.90
92:1 3.50
92:2 0.00
92:3 -1.80
92:4 -5.30
93:1 -3.60
93:2 3.40
93:3 -11.70
93:4 -15.50
94:1 -5.50
94:2 -7.10
94:3 -5.50
94:4 -5.50
95:1 -1.80
95:2 -5.50
95:3 0.00
95:4 3.70
96:1 0.00
96:2 -2.00
96:3 4.00
96:4 3.90
97:1 3.80
97:2 -1.80
97:3 -2.00
97:4 1.90
98:1 0.00
98:2 -5.80
98:3 0.00
98:4 -1.90
99:1 2.00
99:2 0.00
99:3 -1.90
99:4 -2.00
00:1 -1.90
00:2 -5.60
00:3 0.00
00:4 0.00
01:1 0.00
01:2 3.80
01:3 3.80
01:4 3.80
02:1 1.90
02:2 1.90
02:3 3.90
02:4 10.00
03:1 11.10
03:2 5.70
03:3 1.90
03:4 0.00
04:1 -1.90
04:2 -7.80
04:3 -5.80
04:4 1.90
05:1 -7.80
Figure 2: Measures of Supply and Demand for Loans to Households
Old Panel 1: Net Percentage of Domestic Respondents Indicating
More Willingness to Make Consumer Installment Loans
Willingness
-----------
66:3 -25.00
66:4 4.00
67:1 25.00
67:2 34.00
67:3 19.00
67:4 19.00
68:1 24.00
68:2 0.00
68:3 13.00
68:4 17.00
69:1 -7.00
69:2 -20.00
69:3 -29.00
69:4 -27.00
70:1 -19.00
70:2 5.00
70:3 0.00
70:4 27.00
71:1 63.00
71:2 41.00
71:3 25.00
71:4 32.00
72:1 50.00
72:2 29.00
72:3 19.00
72:4 21.00
73:1 11.00
73:2 9.00
73:3 -7.00
73:4 13.00
74:1 13.00
74:2 -19.00
74:3 -34.00
74:4 -19.00
75:1 8.00
75:2 28.00
75:3 30.00
75:4 26.00
76:1 29.00
76:2 41.00
76:3 31.00
76:4 27.00
77:1 28.00
77:2 28.00
77:3 13.00
77:4 12.00
78:1 10.00
78:2 9.00
78:3 3.00
78:4 -8.00
79:1 0.00
79:2 -4.00
79:3 -7.00
79:4 -43.00
80:1 -45.00
80:2 -79.00
80:3 46.00
80:4 -16.00
81:1 -16.00
81:2 -21.00
81:3 -5.00
81:4 12.00
82:1 -8.00
82:2 3.00
82:3 12.00
82:4 59.00
83:1 53.00
83:2 50.00
83:3 33.00
83:4 33.00
84:1 37.00
84:2 24.00
84:3 21.00
84:4 25.00
85:1 33.00
85:2 39.00
85:3 26.00
85:4 19.00
86:1 45.00
86:2 44.00
86:3 42.00
86:4 21.00
87:1 19.00
87:2 25.00
87:3 32.00
87:4 13.00
88:1 12.00
88:2 17.00
88:3 10.00
88:4 25.00
89:1 16.00
89:2 26.00
89:3 7.00
89:4 3.00
90:1 7.00
90:2 9.00
90:3 12.00
90:4 2.00
91:1 -15.00
91:2 2.00
91:3 0.00
91:4 11.00
92:1 9.00
92:2 22.00
92:3 21.00
92:4 16.30
93:1 18.00
93:2 28.10
93:3 25.90
93:4 18.90
94:1 32.70
94:2 30.90
94:3 21.40
94:4 25.00
95:1 16.10
95:2 21.70
95:3 7.00
95:4 5.40
96:1 7.10
96:2 -2.00
96:3 -6.10
96:4 -3.80
97:1 1.90
97:2 0.00
97:3 10.40
97:4 10.00
98:1 0.00
98:2 2.00
98:3 11.80
98:4 5.80
99:1 13.50
99:2 14.50
99:3 11.40
99:4 9.80
00:1 3.90
00:2 -3.70
00:3 1.90
00:4 1.80
01:1 -5.50
01:2 0.00
01:3 0.00
01:4 -7.10
02:1 -5.70
02:2 1.80
02:3 9.30
02:4 5.50
03:1 5.30
03:2 3.70
03:3 16.40
03:4 14.30
04:1 11.30
04:2 17.30
04:3 9.10
04:4 13.00
05:1 11.50